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Itawamba County, Mississippi · 2025

Mortgage lenders in Itawamba County, MS: denial rates and top lenders (2025)

88 lenders acted on 691 mortgage applications for properties in Itawamba County in 2025. 20.4% were denied (Mississippi: 22.9%). Median rate on closed loans 6.88%; median loan $115,000; median property value $195,000.

691Applications
20.4%Denial ratestate 22.9%
6.88%Median ratestate 6.75%
$115,000Median loan
$195,000Median property value

Largest lenders in Itawamba County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Cadence Bank B 7854 16.7%7.32%
2 Guaranty Bank and Trust D 6546 15.4%7.00%
3 Renasant Bank B 5940 11.9%6.75%
4 21st Mortgage F 569 39.3%10.56%
5 Triad Financial Services D 3819 13.2%8.39%
6 Rocket Mortgage C 3121 29.0%6.49%
7 Trustmark National Bank C 3023 10.0%7.50%
8 FirstBank C 244 41.7%9.85%
9 CB&S Bank C 2016 10.0%6.76%
10 Regions Bank C 168 31.3%5.68%
11 BankPlus B 1612 0.0%6.38%
12 Mortgage Research Center C 169 18.8%6.25%
13 Vanderbilt Mortgage and Finance F 161 37.5%10.99%
14 Pennymac Loan Services C 156 26.7%6.12%
15 Community Bank of Mississippi C 1212 0.0%7.55%
16 Plaza Home Mortgage C 108 20.0%6.43%
17 Kiavi Funding D 90 0.0%—
18 Coastal Community Bank C 92 22.2%7.74%
19 AmeriSave Mortgage D 82 62.5%6.50%
20 Freedom Mortgage B 82 12.5%6.06%
21 Crosscountry Mortgage B 73 14.3%6.75%
22 New Day Financial F 62 16.7%6.24%
23 Magnolia Bank C 65 0.0%6.25%
24 Stockton Mortgage D 65 0.0%6.63%
25 Broker Solutions D 60 16.7%—

Best approval odds in Itawamba County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Guaranty Bank and Trust5717.5%
2Cadence Bank6819.1%

What Itawamba County borrowers applied for

By loan purpose

Home purchase 356 52% · 21.6% denied
Refinance 157 23% · 10.8% denied
Cash-out refinance 80 12% · 27.5% denied
Home improvement 23 3% · 21.7% denied
Other / HELOC 75 11% · 26.7% denied

By loan type

Conventional 488 71% · 21.9% denied
FHA 114 16% · 19.3% denied
VA 58 8% · 13.8% denied
USDA / RHS 31 4% · 12.9% denied

Why applications were denied

Credit history 58 41%
Debt-to-income ratio 40 28%
Incomplete application 14 10%
Collateral 14 10%
Other 7 5%
Unverifiable information 4 3%
Insufficient cash 3 2%
Employment history 1 1%

Itawamba County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202355230021.4%7.13%$105,000
202465337718.5%7.00%$115,000
202569137620.4%6.88%$115,000

Frequently asked questions

20.4% of applications in Itawamba County were denied in 2025, against 22.9% statewide in Mississippi.

Cadence Bank, with 78 applications in 2025 and a denial rate of 16.7%.

The median mortgage application in Itawamba County in 2025 was for $115,000; the median property value on originated loans was $195,000.