Largest lenders in Lawrence County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 68 | 9 | 55.9% | 10.92% |
| 2 | Regions Bank | C | 47 | 26 | 34.0% | 6.19% |
| 3 | Vanderbilt Mortgage and Finance | F | 32 | 7 | 53.1% | 10.75% |
| 4 | Ferguson Federal Credit Union | – | 32 | 21 | 6.3% | 8.75% |
| 5 | Rocket Mortgage | C | 28 | 14 | 42.9% | 6.31% |
| 6 | Triad Financial Services | D | 28 | 9 | 35.7% | 10.87% |
| 7 | Trustmark National Bank | C | 15 | 9 | 13.3% | 7.38% |
| 8 | BankPlus | B | 13 | 8 | 30.8% | 6.44% |
| 9 | FirstBank | C | 10 | 0 | 90.0% | — |
| 10 | Crosscountry Mortgage | B | 9 | 4 | 0.0% | 6.50% |
| 11 | Loansteady | A | 9 | 6 | 0.0% | 6.56% |
| 12 | Credit Human Federal Credit Union | D | 8 | 0 | 100.0% | — |
| 13 | Broker Solutions | D | 8 | 2 | 0.0% | 7.25% |
| 14 | Southwest Stage Funding | F | 8 | 1 | 0.0% | 8.30% |
| 15 | Loandepot.Com | D | 7 | 2 | 57.1% | 6.06% |
| 16 | Cadence Bank | B | 6 | 1 | 66.7% | 5.25% |
| 17 | Mortgage Research Center | C | 6 | 1 | 50.0% | 7.13% |
| 18 | Pennymac Loan Services | C | 5 | 4 | 0.0% | 6.19% |
| 19 | Coastal Community Bank | C | 5 | 0 | 20.0% | — |
Best approval odds in Lawrence County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | 21st Mortgage | 50 | 76.0% |
What Lawrence County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lawrence County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 442 | 174 | 34.6% | 7.69% | $85,000 |
| 2024 | 361 | 146 | 37.1% | 7.38% | $85,000 |
| 2025 | 427 | 166 | 34.7% | 7.00% | $105,000 |
Frequently asked questions
34.7% of applications in Lawrence County were denied in 2025, against 22.9% statewide in Mississippi.
21st Mortgage, with 68 applications in 2025 and a denial rate of 55.9%.
The median mortgage application in Lawrence County in 2025 was for $105,000; the median property value on originated loans was $165,000.