Largest lenders in Lauderdale County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Trustmark National Bank | C | 269 | 215 | 6.3% | 6.49% |
| 2 | 21st Mortgage | F | 143 | 24 | 49.0% | 10.51% |
| 3 | The Citizens National Bank of Meridian | C | 127 | 85 | 15.0% | 6.49% |
| 4 | Regions Bank | C | 114 | 53 | 42.1% | 6.50% |
| 5 | Community Bank of Mississippi | C | 111 | 87 | 8.1% | 7.65% |
| 6 | Triad Financial Services | D | 94 | 27 | 35.1% | 9.55% |
| 7 | Mortgage Research Center | C | 84 | 51 | 9.5% | 6.25% |
| 8 | Rocket Mortgage | C | 77 | 49 | 24.7% | 6.75% |
| 9 | Navy Federal Credit Union | D | 62 | 35 | 17.7% | 6.25% |
| 10 | BankPlus | B | 55 | 42 | 12.7% | 6.88% |
| 11 | United Shore Financial Services | B | 53 | 27 | 20.8% | 6.00% |
| 12 | New Day Financial | F | 35 | 11 | 14.3% | 6.99% |
| 13 | Great Southern Bank | A | 29 | 25 | 0.0% | — |
| 14 | Freedom Mortgage | B | 28 | 18 | 3.6% | 6.25% |
| 15 | Newrez | D | 27 | 8 | 18.5% | 6.19% |
| 16 | Broker Solutions | D | 27 | 7 | 11.1% | 6.63% |
| 17 | The Citizens Bank of Philadelphia, Mississippi | C | 26 | 21 | 0.0% | — |
| 18 | Unnamed lender 254900CRPFBFJUTD8P12 | B | 25 | 22 | 12.0% | — |
| 19 | FirstBank | C | 22 | 4 | 40.9% | 10.49% |
| 20 | Loandepot.Com | D | 22 | 6 | 59.1% | 6.12% |
| 21 | Vanderbilt Mortgage and Finance | F | 22 | 1 | 45.5% | 11.99% |
| 22 | Pennymac Loan Services | C | 19 | 2 | 21.1% | 5.62% |
| 23 | AmeriSave Mortgage | D | 19 | 7 | 52.6% | 6.25% |
| 24 | Renasant Bank | B | 19 | 15 | 0.0% | 6.50% |
| 25 | Hope Federal Credit Union | D | 15 | 9 | 33.3% | 6.75% |
Best approval odds in Lauderdale 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 | 243 | 7.0% |
| 2 | Community Bank of Mississippi | 106 | 8.5% |
| 3 | Mortgage Research Center | 62 | 12.9% |
| 4 | The Citizens National Bank of Meridian | 107 | 17.8% |
| 5 | Rocket Mortgage | 69 | 27.5% |
| 6 | Triad Financial Services | 94 | 35.1% |
| 7 | Regions Bank | 106 | 45.3% |
| 8 | 21st Mortgage | 95 | 73.7% |
What Lauderdale County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lauderdale County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,679 | 830 | 25.6% | 7.00% | $105,000 |
| 2024 | 1,777 | 898 | 26.2% | 6.89% | $105,000 |
| 2025 | 1,904 | 1,029 | 21.1% | 6.63% | $115,000 |
Frequently asked questions
21.1% of applications in Lauderdale County were denied in 2025, against 22.9% statewide in Mississippi.
Trustmark National Bank, with 269 applications in 2025 and a denial rate of 6.3%.
The median mortgage application in Lauderdale County in 2025 was for $115,000; the median property value on originated loans was $195,000.