Largest lenders in Lincoln County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 168 | 27 | 48.2% | 9.30% |
| 2 | Trustmark National Bank | C | 115 | 95 | 5.2% | 7.50% |
| 3 | Triad Financial Services | D | 91 | 27 | 41.8% | 8.72% |
| 4 | Vanderbilt Mortgage and Finance | F | 73 | 13 | 53.4% | 10.50% |
| 5 | BankPlus | B | 46 | 35 | 10.9% | 6.50% |
| 6 | Crosscountry Mortgage | B | 45 | 29 | 4.4% | 6.75% |
| 7 | Rocket Mortgage | C | 43 | 31 | 20.9% | 6.88% |
| 8 | Regions Bank | C | 41 | 15 | 43.9% | 4.99% |
| 9 | FirstBank | C | 38 | 8 | 44.7% | 9.12% |
| 10 | First Bank | C | 30 | 26 | 10.0% | — |
| 11 | Loansteady | A | 29 | 24 | 0.0% | 6.56% |
| 12 | Mortgage Investors Group | B | 20 | 18 | 0.0% | 6.99% |
| 13 | Southwest Stage Funding | F | 20 | 5 | 5.0% | 9.40% |
| 14 | Broker Solutions | D | 17 | 6 | 17.7% | 7.25% |
| 15 | Mortgage Research Center | C | 17 | 10 | 11.8% | 6.63% |
| 16 | United Shore Financial Services | B | 14 | 9 | 28.6% | 5.75% |
| 17 | GMFS | A | 13 | 2 | 7.7% | 6.69% |
| 18 | First Community Mortgage | A | 12 | 10 | 0.0% | 6.50% |
| 19 | AmeriSave Mortgage | D | 11 | 1 | 63.6% | 5.88% |
| 20 | Fidelity Bank | D | 11 | 7 | 27.3% | 6.75% |
| 21 | Coastal Community Bank | C | 11 | 1 | 0.0% | 12.99% |
| 22 | Ferguson Federal Credit Union | – | 11 | 5 | 36.4% | 9.25% |
| 23 | Hope Federal Credit Union | D | 9 | 4 | 55.6% | 6.38% |
| 24 | Community Bank of Mississippi | C | 9 | 3 | 22.2% | 6.13% |
| 25 | Lakeview Loan Servicing | C | 8 | 3 | 37.5% | 6.75% |
Best approval odds in Lincoln 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 | 109 | 5.5% |
| 2 | Triad Financial Services | 91 | 41.8% |
| 3 | Vanderbilt Mortgage and Finance | 54 | 72.2% |
| 4 | 21st Mortgage | 109 | 74.3% |
What Lincoln County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Lincoln County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 867 | 412 | 28.1% | 7.50% | $105,000 |
| 2024 | 1,023 | 443 | 30.4% | 7.50% | $105,000 |
| 2025 | 1,067 | 489 | 27.8% | 7.13% | $115,000 |
Frequently asked questions
27.8% of applications in Lincoln County were denied in 2025, against 22.9% statewide in Mississippi.
21st Mortgage, with 168 applications in 2025 and a denial rate of 48.2%.
The median mortgage application in Lincoln County in 2025 was for $115,000; the median property value on originated loans was $215,000.