Largest lenders in Lamar County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Trustmark National Bank | C | 191 | 138 | 12.6% | 6.75% |
| 2 | Regions Bank | C | 133 | 69 | 27.8% | 5.63% |
| 3 | Cadence Bank | B | 132 | 90 | 20.5% | 7.25% |
| 4 | Rocket Mortgage | C | 120 | 87 | 13.3% | 6.63% |
| 5 | Community Bank of Mississippi | C | 113 | 83 | 9.7% | 7.50% |
| 6 | Vanderbilt Mortgage and Finance | F | 103 | 6 | 48.5% | 9.25% |
| 7 | 21st Mortgage | F | 85 | 17 | 50.6% | 10.47% |
| 8 | Keesler | D | 84 | 35 | 45.2% | 7.50% |
| 9 | PriorityOne Bank | B | 78 | 68 | 5.1% | 7.50% |
| 10 | Mortgage Research Center | C | 76 | 32 | 18.4% | 6.25% |
| 11 | Renasant Bank | B | 71 | 53 | 7.0% | 7.05% |
| 12 | Broker Solutions | D | 67 | 40 | 6.0% | 6.63% |
| 13 | Hancock Whitney Bank | B | 59 | 39 | 22.0% | 6.63% |
| 14 | Triad Financial Services | D | 59 | 18 | 30.5% | 9.69% |
| 15 | Freedom Mortgage | B | 57 | 27 | 5.3% | 6.25% |
| 16 | Citizens Bank | A | 53 | 47 | 5.7% | — |
| 17 | United Shore Financial Services | B | 48 | 37 | 10.4% | 6.13% |
| 18 | Grand Bank for Savings | F | 46 | 26 | 32.6% | 5.99% |
| 19 | Merchants & Marine Bank | C | 45 | 36 | 4.4% | 6.38% |
| 20 | Pennymac Loan Services | C | 43 | 28 | 9.3% | 6.25% |
| 21 | AmeriSave Mortgage | D | 43 | 10 | 67.4% | 6.63% |
| 22 | BankFirst Financial Services | A | 43 | 42 | 0.0% | 6.44% |
| 23 | Newrez | D | 38 | 12 | 18.4% | 6.25% |
| 24 | Guild Mortgage | A | 32 | 28 | 0.0% | 6.69% |
| 25 | Crosscountry Mortgage | B | 31 | 16 | 3.2% | 6.69% |
Best approval odds in Lamar County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | PriorityOne Bank | 72 | 5.6% |
| 2 | Citizens Bank | 53 | 5.7% |
| 3 | Renasant Bank | 59 | 8.5% |
| 4 | Community Bank of Mississippi | 101 | 10.9% |
| 5 | Trustmark National Bank | 163 | 14.7% |
| 6 | Rocket Mortgage | 107 | 15.0% |
| 7 | Cadence Bank | 120 | 22.5% |
| 8 | Hancock Whitney Bank | 53 | 24.5% |
| 9 | Triad Financial Services | 59 | 30.5% |
| 10 | Regions Bank | 118 | 31.4% |
What Lamar County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lamar County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 2,331 | 1,341 | 20.1% | 6.99% | $165,000 |
| 2024 | 2,467 | 1,372 | 19.5% | 6.88% | $165,000 |
| 2025 | 2,617 | 1,486 | 18.9% | 6.63% | $175,000 |
Frequently asked questions
18.9% of applications in Lamar County were denied in 2025, against 22.9% statewide in Mississippi.
Trustmark National Bank, with 191 applications in 2025 and a denial rate of 12.6%.
The median mortgage application in Lamar County in 2025 was for $175,000; the median property value on originated loans was $285,000.