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Lowndes County, Mississippi · 2025

Mortgage lenders in Lowndes County, MS: denial rates and top lenders (2025)

137 lenders acted on 1,955 mortgage applications for properties in Lowndes County in 2025. 20.4% were denied (Mississippi: 22.9%). Median rate on closed loans 6.63%; median loan $145,000; median property value $235,000.

2.0kApplications
20.4%Denial ratestate 22.9%
6.63%Median ratestate 6.75%
$145,000Median loan
$235,000Median property value

Largest lenders in Lowndes County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Renasant Bank B 168122 10.7%6.75%
2 Cadence Bank B 147103 15.0%7.25%
3 21st Mortgage F 12932 47.3%10.05%
4 BankFirst Financial Services A 11795 10.3%6.75%
5 Regions Bank C 11545 49.6%6.38%
6 Mortgage Research Center C 11254 20.5%6.25%
7 Trustmark National Bank C 9962 10.1%6.38%
8 Rocket Mortgage C 6544 26.2%6.43%
9 Magnolia Bank C 5248 1.9%6.25%
10 Freedom Mortgage B 5118 7.8%6.13%
11 Cardinal Financial Company, Limited Partnership B 5029 28.0%6.50%
12 Geneva Financial C 4325 7.0%6.69%
13 Pennymac Loan Services C 4214 21.4%6.50%
14 United Shore Financial Services B 3618 19.4%6.13%
15 Triad Financial Services D 3611 22.2%8.64%
16 Navy Federal Credit Union D 3213 18.8%6.38%
17 Loandepot.Com D 2410 45.8%6.87%
18 AmeriSave Mortgage D 2310 52.2%6.81%
19 The Citizens National Bank of Meridian C 2319 8.7%7.10%
20 New Day Financial F 232 21.7%6.81%
21 Bpl Mortgage Trust D 2317 4.4%7.13%
22 Broker Solutions D 217 14.3%7.25%
23 Unnamed lender 529900YKD9FOL6BFSG98 C 2117 4.8%—
24 Newrez D 194 15.8%5.75%
25 Towne Mortgage B 1711 5.9%6.25%

Best approval odds in Lowndes County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1BankFirst Financial Services10811.1%
2Renasant Bank14412.5%
3Trustmark National Bank7413.5%
4Cadence Bank12917.1%
5Rocket Mortgage6127.9%
6Cardinal Financial Company, Limited Partnership5028.0%
7Mortgage Research Center7729.9%
8Regions Bank10753.3%
921st Mortgage9464.9%

What Lowndes County borrowers applied for

By loan purpose

Home purchase 995 51% · 16.5% denied
Refinance 342 17% · 12.6% denied
Cash-out refinance 272 14% · 28.7% denied
Home improvement 135 7% · 41.5% denied
Other / HELOC 211 11% · 27.5% denied

By loan type

Conventional 1,143 58% · 23.4% denied
FHA 366 19% · 19.1% denied
VA 364 19% · 13.7% denied
USDA / RHS 82 4% · 14.6% denied

Why applications were denied

Credit history 162 41%
Debt-to-income ratio 106 27%
Incomplete application 51 13%
Collateral 29 7%
Other 25 6%
Unverifiable information 13 3%
Insufficient cash 6 2%
Employment history 4 1%

Lowndes County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,57188221.2%6.75%$135,000
20241,74798122.3%6.75%$145,000
20251,9551,06320.4%6.63%$145,000

Frequently asked questions

20.4% of applications in Lowndes County were denied in 2025, against 22.9% statewide in Mississippi.

Renasant Bank, with 168 applications in 2025 and a denial rate of 10.7%.

The median mortgage application in Lowndes County in 2025 was for $145,000; the median property value on originated loans was $235,000.