Largest lenders in Jones County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Community Bank of Mississippi | C | 517 | 419 | 8.9% | 8.15% |
| 2 | 21st Mortgage | F | 185 | 26 | 42.7% | 10.62% |
| 3 | Trustmark National Bank | C | 133 | 99 | 12.0% | 7.38% |
| 4 | Cadence Bank | B | 130 | 85 | 21.5% | 7.50% |
| 5 | Regions Bank | C | 92 | 34 | 40.2% | 6.56% |
| 6 | Triad Financial Services | D | 90 | 48 | 15.6% | 8.65% |
| 7 | Rocket Mortgage | C | 84 | 50 | 28.6% | 6.88% |
| 8 | Vanderbilt Mortgage and Finance | F | 70 | 9 | 48.6% | 9.99% |
| 9 | Renasant Bank | B | 51 | 31 | 21.6% | 7.25% |
| 10 | Mortgage Research Center | C | 50 | 26 | 18.0% | 6.50% |
| 11 | Unnamed lender 254900CRPFBFJUTD8P12 | B | 44 | 41 | 2.3% | — |
| 12 | Hometrust Mortgage | D | 37 | 8 | 24.3% | 6.81% |
| 13 | Broker Solutions | D | 32 | 17 | 0.0% | 6.38% |
| 14 | The Citizens National Bank of Meridian | C | 26 | 15 | 26.9% | 7.45% |
| 15 | Hope Federal Credit Union | D | 26 | 18 | 30.8% | 7.19% |
| 16 | Keesler | D | 25 | 7 | 52.0% | 7.25% |
| 17 | Citizens Bank | A | 23 | 22 | 0.0% | — |
| 18 | SUNBELT Federal Credit Union | – | 23 | 18 | 13.0% | 5.12% |
| 19 | Pennymac Loan Services | C | 22 | 12 | 13.6% | 6.44% |
| 20 | Freedom Mortgage | B | 22 | 11 | 18.2% | 6.13% |
| 21 | United Shore Financial Services | B | 22 | 16 | 4.6% | 6.44% |
| 22 | PriorityOne Bank | B | 18 | 15 | 11.1% | 7.50% |
| 23 | Loandepot.Com | D | 18 | 9 | 27.8% | 6.99% |
| 24 | New Day Financial | F | 17 | 6 | 29.4% | 7.12% |
| 25 | Newrez | D | 17 | 7 | 29.4% | 6.25% |
Best approval odds in Jones County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Community Bank of Mississippi | 485 | 9.5% |
| 2 | Trustmark National Bank | 121 | 13.2% |
| 3 | Triad Financial Services | 90 | 15.6% |
| 4 | Cadence Bank | 113 | 24.8% |
| 5 | Rocket Mortgage | 75 | 32.0% |
| 6 | Regions Bank | 75 | 49.3% |
| 7 | 21st Mortgage | 106 | 74.5% |
What Jones County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Jones County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,972 | 1,020 | 23.7% | 7.75% | $95,000 |
| 2024 | 2,011 | 1,093 | 22.1% | 8.00% | $95,000 |
| 2025 | 2,175 | 1,236 | 20.9% | 7.50% | $105,000 |
Frequently asked questions
20.9% of applications in Jones County were denied in 2025, against 22.9% statewide in Mississippi.
Community Bank of Mississippi, with 517 applications in 2025 and a denial rate of 8.9%.
The median mortgage application in Jones County in 2025 was for $105,000; the median property value on originated loans was $195,000.