Largest lenders in Neshoba County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | The Citizens Bank of Philadelphia, Mississippi | C | 119 | 104 | 7.6% | — |
| 2 | 21st Mortgage | F | 96 | 17 | 52.1% | 10.21% |
| 3 | Rocket Mortgage | C | 41 | 25 | 39.0% | 6.63% |
| 4 | Triad Financial Services | D | 40 | 10 | 35.0% | 8.29% |
| 5 | Regions Bank | C | 34 | 14 | 52.9% | 7.00% |
| 6 | Trustmark National Bank | C | 30 | 25 | 10.0% | 6.33% |
| 7 | Mortgage Research Center | C | 21 | 8 | 19.1% | 6.12% |
| 8 | The Citizens National Bank of Meridian | C | 16 | 9 | 12.5% | 7.00% |
| 9 | AmeriSave Mortgage | D | 15 | 2 | 66.7% | 6.50% |
| 10 | Stockton Mortgage | D | 15 | 12 | 0.0% | 6.63% |
| 11 | Community Bank of Mississippi | C | 15 | 14 | 6.7% | 6.90% |
| 12 | Renasant Bank | B | 13 | 7 | 23.1% | 7.83% |
| 13 | Cadence Bank | B | 11 | 6 | 36.4% | 7.31% |
| 14 | Broker Solutions | D | 9 | 2 | 0.0% | 7.08% |
| 15 | Navy Federal Credit Union | D | 7 | 1 | 28.6% | 5.63% |
| 16 | BankPlus | B | 6 | 5 | 16.7% | 4.99% |
| 17 | United Shore Financial Services | B | 6 | 4 | 16.7% | 6.18% |
| 18 | Loandepot.Com | D | 6 | 1 | 66.7% | 4.99% |
| 19 | Vanderbilt Mortgage and Finance | F | 6 | 1 | 16.7% | 11.50% |
| 20 | Discover Bank | F | 5 | 1 | 60.0% | 8.95% |
| 21 | First Community Mortgage | A | 5 | 4 | 20.0% | 5.99% |
| 22 | Newrez | D | 5 | 1 | 40.0% | 6.99% |
| 23 | American Mortgage Bank | C | 5 | 3 | 0.0% | 6.75% |
Best approval odds in Neshoba County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | The Citizens Bank of Philadelphia, Mississippi | 113 | 8.0% |
| 2 | 21st Mortgage | 67 | 74.6% |
What Neshoba County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Neshoba County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 522 | 255 | 29.7% | 7.13% | $95,000 |
| 2024 | 569 | 265 | 29.4% | 7.24% | $95,000 |
| 2025 | 626 | 327 | 27.2% | 6.88% | $105,000 |
Frequently asked questions
27.2% of applications in Neshoba County were denied in 2025, against 22.9% statewide in Mississippi.
The Citizens Bank of Philadelphia, Mississippi, with 119 applications in 2025 and a denial rate of 7.6%.
The median mortgage application in Neshoba County in 2025 was for $105,000; the median property value on originated loans was $165,000.