Mississippi · HMDA 2025
Mortgage lenders in Winston County, MS
66 lenders reported 498 home-loan applications in Winston County in 2025. 240 closed as loans ($28.5M), 118 were denied — a 30.6% denial rate on decided applications, above the Mississippi rate of 28.1%. The three most active lenders handled 43% of applications, led by Cadence Bank. 9 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 498
- Loans originated
- 240
- Purchase / refinance
- 114 / 86
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Winston County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | Cadence Bank | 105 | 21.1% | — |
| 2 | 21st Mortgage Corporation | 55 | 11.0% | — |
| 3 | Renasant Bank 64 out of 100, Moderate | 55 | 11.0% | 11.6% |
| 4 | The Citizens Bank of Philadelphia, Mississippi | 36 | 7.2% | — |
| 5 | TRIAD FINANCIAL SERVICES, INC. | 28 | 5.6% | — |
| 6 | Rocket Mortgage, LLC | 19 | 3.8% | — |
| 7 | Regions Bank 64 out of 100, Moderate | 16 | 3.2% | 43.1% |
| 8 | Mortgage Research Center, LLC | 13 | 2.6% | — |
| 9 | Trustmark National Bank 62 out of 100, Moderate | 13 | 2.6% | 14.7% |
| 10 | HOPE FEDERAL CREDIT UNION | 9 | 1.8% | — |
| 11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 9 | 1.8% | — |
| 12 | VANDERBILT MORTGAGE AND FINANCE, INC. | 7 | 1.4% | — |
| 13 | PENNYMAC LOAN SERVICES, LLC | 7 | 1.4% | — |
| 14 | AmeriSave Mortgage Corporation | 6 | 1.2% | — |
| 15 | CROSSCOUNTRY MORTGAGE, INC. | 6 | 1.2% | — |
| 16 | BankFirst Financial Services 69 out of 100, Moderate | 6 | 1.2% | 7.5% |
| 17 | FirstBank 59 out of 100, Moderate | 6 | 1.2% | 42.8% |
| 18 | NEWREZ LLC | 5 | 1.0% | — |
| 19 | UNITED SHORE FINANCIAL SERVICES, LLC | 5 | 1.0% | — |
| 20 | American Mortgage Bank, LLC | 5 | 1.0% | — |
| 21 | FIRST COMMUNITY MORTGAGE, INC. | 5 | 1.0% | — |
| 22 | Loandepot.Com, LLC | 4 | 0.8% | — |
| 23 | AMERIHOME MORTGAGE COMPANY, LLC | 4 | 0.8% | — |
| 24 | SOUTHWEST STAGE FUNDING, LLC | 4 | 0.8% | — |
| 25 | NATIONSTAR MORTGAGE LLC | 4 | 0.8% | — |
| 26 | TOWNE MORTGAGE COMPANY | 4 | 0.8% | — |
| 27 | The Citizens National Bank of Meridian | 4 | 0.8% | — |
| 28 | FIGURE LENDING LLC | 3 | 0.6% | — |
| 29 | ROYAL UNITED MORTGAGE LLC | 3 | 0.6% | — |
| 30 | Navy Federal Credit Union 66 out of 100, Moderate | 2 | 0.4% | 32.9% |
| 31 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 2 | 0.4% | 14.1% |
| 32 | Citizens Bank, National Association 54 out of 100, Below average | 2 | 0.4% | 32.5% |
| 33 | Discover Bank | 2 | 0.4% | — |
| 34 | Bank of America, National Association 59 out of 100, Moderate | 2 | 0.4% | 44.7% |
| 35 | Sierra Pacific Mortgage Company, Inc. | 2 | 0.4% | — |
| 36 | STANDARD MORTGAGE CORPORATION | 2 | 0.4% | — |
| 37 | TAMMAC HOLDINGS CORPORATION | 2 | 0.4% | — |
| 38 | STOCKTON MORTGAGE CORPORATION | 2 | 0.4% | — |
| 39 | CARRINGTON MORTGAGE SERVICES, LLC | 2 | 0.4% | — |
| 40 | MORTGAGE INVESTORS GROUP, INC. | 2 | 0.4% | — |
Top 40 of 66 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