Largest lenders in Copiah County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 129 | 26 | 38.0% | 9.35% |
| 2 | Trustmark National Bank | C | 69 | 49 | 15.9% | 7.50% |
| 3 | Regions Bank | C | 65 | 17 | 53.9% | 4.99% |
| 4 | Vanderbilt Mortgage and Finance | F | 49 | 6 | 55.1% | 10.99% |
| 5 | Triad Financial Services | D | 48 | 17 | 37.5% | 9.16% |
| 6 | Copiah Bank | C | 37 | 33 | 8.1% | — |
| 7 | Rocket Mortgage | C | 29 | 20 | 24.1% | 6.56% |
| 8 | American Mortgage Bank | C | 19 | 13 | 10.5% | 6.63% |
| 9 | FirstBank | C | 16 | 4 | 56.3% | 9.49% |
| 10 | Cadence Bank | B | 15 | 7 | 46.7% | 7.50% |
| 11 | Guild Mortgage | A | 14 | 10 | 0.0% | 6.50% |
| 12 | Hope Federal Credit Union | D | 12 | 12 | 0.0% | 7.19% |
| 13 | Loansteady | A | 11 | 9 | 0.0% | 6.50% |
| 14 | Crosscountry Mortgage | B | 10 | 6 | 10.0% | 6.47% |
| 15 | PriorityOne Bank | B | 10 | 8 | 10.0% | 7.13% |
| 16 | Southwest Stage Funding | F | 9 | 2 | 0.0% | 9.78% |
| 17 | AmeriSave Mortgage | D | 8 | 0 | 62.5% | — |
| 18 | Mortgage Research Center | C | 8 | 3 | 37.5% | 6.63% |
| 19 | Newrez | D | 7 | 4 | 0.0% | 6.25% |
| 20 | Broker Solutions | D | 7 | 4 | 0.0% | 7.25% |
| 21 | Freedom Mortgage | B | 6 | 3 | 0.0% | 5.75% |
| 22 | Tammac Holdings | D | 6 | 0 | 66.7% | — |
| 23 | Loandepot.Com | D | 6 | 1 | 83.3% | 6.38% |
| 24 | Renasant Bank | B | 6 | 4 | 33.3% | 6.81% |
| 25 | Coastal Community Bank | C | 6 | 3 | 0.0% | 13.49% |
Best approval odds in Copiah County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Trustmark National Bank | 60 | 18.3% |
| 2 | Regions Bank | 58 | 60.3% |
| 3 | 21st Mortgage | 75 | 65.3% |
What Copiah County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Copiah County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 709 | 290 | 33.3% | 7.52% | $95,000 |
| 2024 | 644 | 271 | 35.1% | 7.38% | $105,000 |
| 2025 | 731 | 316 | 30.6% | 7.13% | $105,000 |
Frequently asked questions
30.6% of applications in Copiah County were denied in 2025, against 22.9% statewide in Mississippi.
21st Mortgage, with 129 applications in 2025 and a denial rate of 38.0%.
The median mortgage application in Copiah County in 2025 was for $105,000; the median property value on originated loans was $190,000.