Largest lenders in Lafayette County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | BankPlus | B | 237 | 201 | 5.1% | 6.50% |
| 2 | Cadence Bank | B | 156 | 111 | 16.7% | 7.39% |
| 3 | Renasant Bank | B | 142 | 114 | 9.9% | 6.88% |
| 4 | Guaranty Bank and Trust | D | 131 | 104 | 5.3% | 7.00% |
| 5 | BankFirst Financial Services | A | 107 | 97 | 2.8% | 7.00% |
| 6 | Regions Bank | C | 102 | 43 | 37.3% | 6.25% |
| 7 | Rocket Mortgage | C | 98 | 71 | 18.4% | 6.88% |
| 8 | Trustmark National Bank | C | 85 | 68 | 5.9% | 7.00% |
| 9 | 21st Mortgage | F | 82 | 16 | 45.1% | 10.23% |
| 10 | Broker Solutions | D | 49 | 36 | 0.0% | 7.25% |
| 11 | First Commercial Bank | B | 45 | 39 | 2.2% | — |
| 12 | Unnamed lender 529900YKD9FOL6BFSG98 | C | 43 | 39 | 4.7% | — |
| 13 | Triad Financial Services | D | 42 | 14 | 21.4% | 8.47% |
| 14 | Guild Mortgage | A | 40 | 30 | 7.5% | 6.93% |
| 15 | RiverHills Bank | B | 39 | 37 | 0.0% | — |
| 16 | Mutual Credit Union | F | 36 | 12 | 41.7% | — |
| 17 | Pennymac Loan Services | C | 27 | 17 | 11.1% | 6.38% |
| 18 | Paragon Bank | A | 25 | 20 | 4.0% | — |
| 19 | United Shore Financial Services | B | 24 | 16 | 8.3% | 6.56% |
| 20 | GMFS | A | 23 | 19 | 0.0% | 6.63% |
| 21 | Bank of America | F | 22 | 12 | 22.7% | 5.99% |
| 22 | Mortgage Research Center | C | 21 | 9 | 19.1% | 5.99% |
| 23 | JPMorgan Chase Bank | B | 20 | 13 | 10.0% | 6.13% |
| 24 | Crosscountry Mortgage | B | 20 | 13 | 0.0% | 7.38% |
| 25 | FirstBank | C | 20 | 7 | 35.0% | 9.89% |
Best approval odds in Lafayette County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | BankFirst Financial Services | 102 | 2.9% |
| 2 | BankPlus | 216 | 5.6% |
| 3 | Guaranty Bank and Trust | 114 | 6.1% |
| 4 | Trustmark National Bank | 75 | 6.7% |
| 5 | Renasant Bank | 128 | 10.9% |
| 6 | Cadence Bank | 140 | 18.6% |
| 7 | Rocket Mortgage | 91 | 19.8% |
| 8 | Regions Bank | 87 | 43.7% |
| 9 | 21st Mortgage | 55 | 67.3% |
What Lafayette County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lafayette County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,910 | 1,218 | 14.2% | 7.13% | $215,000 |
| 2024 | 2,036 | 1,336 | 14.9% | 7.25% | $225,000 |
| 2025 | 2,431 | 1,654 | 13.3% | 6.88% | $255,000 |
Frequently asked questions
13.3% of applications in Lafayette County were denied in 2025, against 22.9% statewide in Mississippi.
BankPlus, with 237 applications in 2025 and a denial rate of 5.1%.
The median mortgage application in Lafayette County in 2025 was for $255,000; the median property value on originated loans was $445,000.