Mississippi · HMDA 2025
Mortgage lenders in Smith County, MS
80 lenders reported 593 home-loan applications in Smith County in 2025. 277 closed as loans ($35.6M), 156 were denied — a 33.3% denial rate on decided applications, above the Mississippi rate of 28.1%. The three most active lenders handled 42% of applications, led by 21st Mortgage Corporation. 14 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 593
- Loans originated
- 277
- Purchase / refinance
- 128 / 91
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Smith County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | 21st Mortgage Corporation | 108 | 18.2% | — |
| 2 | Community Bank of Mississippi 64 out of 100, Moderate | 86 | 14.5% | 9.7% |
| 3 | Trustmark National Bank 62 out of 100, Moderate | 56 | 9.4% | 14.7% |
| 4 | TRIAD FINANCIAL SERVICES, INC. | 51 | 8.6% | — |
| 5 | VANDERBILT MORTGAGE AND FINANCE, INC. | 21 | 3.5% | — |
| 6 | Rocket Mortgage, LLC | 19 | 3.2% | — |
| 7 | Regions Bank 64 out of 100, Moderate | 14 | 2.4% | 43.1% |
| 8 | FirstBank 59 out of 100, Moderate | 14 | 2.4% | 42.8% |
| 9 | Cadence Bank | 13 | 2.2% | — |
| 10 | PriorityOne Bank 70 out of 100, Strong | 12 | 2.0% | 9.2% |
| 11 | NEWREZ LLC | 11 | 1.9% | — |
| 12 | UNITED SHORE FINANCIAL SERVICES, LLC | 11 | 1.9% | — |
| 13 | AmeriSave Mortgage Corporation | 9 | 1.5% | — |
| 14 | Peoples Bank 52 out of 100, Below average | 9 | 1.5% | 18.3% |
| 15 | BankFirst Financial Services 69 out of 100, Moderate | 8 | 1.3% | 7.5% |
| 16 | GUILD MORTGAGE COMPANY | 7 | 1.2% | — |
| 17 | NEW DAY FINANCIAL, LLC | 7 | 1.2% | — |
| 18 | Navy Federal Credit Union 66 out of 100, Moderate | 6 | 1.0% | 32.9% |
| 19 | Loandepot.Com, LLC | 6 | 1.0% | — |
| 20 | Mortgage Research Center, LLC | 6 | 1.0% | — |
| 21 | PLANET HOME LENDING, LLC | 6 | 1.0% | — |
| 22 | CREDIT HUMAN FEDERAL CREDIT UNION 43 out of 100, Below average | 6 | 1.0% | 74.7% |
| 23 | PENNYMAC LOAN SERVICES, LLC | 5 | 0.8% | — |
| 24 | SOUTHWEST STAGE FUNDING, LLC | 5 | 0.8% | — |
| 25 | NATIONSTAR MORTGAGE LLC | 5 | 0.8% | — |
| 26 | The Bank of Forest 68 out of 100, Moderate | 5 | 0.8% | 0.9% |
| 27 | FIRST FLORIDA Credit Union 72 out of 100, Strong | 4 | 0.7% | 27.8% |
| 28 | FREEDOM MORTGAGE CORPORATION | 4 | 0.7% | — |
| 29 | CONSUMER REAL ESTATE FINANCE CO. | 4 | 0.7% | — |
| 30 | Broker Solutions, Inc. | 3 | 0.5% | — |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 3 | 0.5% | — |
| 32 | FIGURE LENDING LLC | 3 | 0.5% | — |
| 33 | SUNBELT Federal Credit Union 85 out of 100, Very strong | 3 | 0.5% | 28.9% |
| 34 | TAMMAC HOLDINGS CORPORATION | 3 | 0.5% | — |
| 35 | UNION HOME MORTGAGE CORP. | 3 | 0.5% | — |
| 36 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 0.3% | 32.5% |
| 37 | SPRING EQ, LLC | 2 | 0.3% | — |
| 38 | The Federal Savings Bank 51 out of 100, Below average | 2 | 0.3% | 19.1% |
| 39 | HOPE FEDERAL CREDIT UNION | 2 | 0.3% | — |
| 40 | Grand Bank for Savings, FSB | 2 | 0.3% | — |
Top 40 of 80 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Mississippi
- DeSoto County 10,088 apps
- Harrison County 9,953 apps
- Rankin County 7,923 apps
- Hinds County 7,772 apps
- Jackson County 6,516 apps
- Madison County 5,275 apps
- Lee County 3,545 apps
- Lamar County 2,915 apps
- Forrest County 2,898 apps
- Pearl River County 2,636 apps
- Lafayette County 2,627 apps
- Hancock County 2,459 apps