Largest lenders in Newton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 106 | 13 | 46.2% | 12.07% |
| 2 | Triad Financial Services | D | 60 | 17 | 33.3% | 8.35% |
| 3 | Community Bank of Mississippi | C | 55 | 51 | 1.8% | 8.00% |
| 4 | Regions Bank | C | 39 | 20 | 46.2% | 4.99% |
| 5 | BankPlus | B | 34 | 22 | 20.6% | 7.13% |
| 6 | Rocket Mortgage | C | 29 | 19 | 31.0% | 6.75% |
| 7 | The Citizens Bank of Philadelphia, Mississippi | C | 27 | 25 | 3.7% | — |
| 8 | BankFirst Financial Services | A | 27 | 21 | 7.4% | 6.88% |
| 9 | Trustmark National Bank | C | 25 | 17 | 24.0% | 6.50% |
| 10 | Great Southern Bank | A | 23 | 19 | 8.7% | — |
| 11 | Vanderbilt Mortgage and Finance | F | 17 | 3 | 35.3% | 10.25% |
| 12 | Mortgage Research Center | C | 16 | 7 | 18.8% | 6.25% |
| 13 | Newrez | D | 14 | 3 | 50.0% | 6.63% |
| 14 | AmeriSave Mortgage | D | 13 | 2 | 69.2% | 6.56% |
| 15 | FirstBank | C | 12 | 1 | 50.0% | 9.49% |
| 16 | The Bank of Forest | A | 11 | 10 | 0.0% | — |
| 17 | Guild Mortgage | A | 11 | 8 | 0.0% | 5.99% |
| 18 | Navy Federal Credit Union | D | 11 | 3 | 27.3% | 10.00% |
| 19 | Broker Solutions | D | 9 | 0 | 11.1% | — |
| 20 | Cadence Bank | B | 7 | 5 | 0.0% | 6.75% |
| 21 | Freedom Mortgage | B | 7 | 2 | 14.3% | 5.56% |
| 22 | Pennymac Loan Services | C | 6 | 4 | 0.0% | 5.87% |
| 23 | New Day Financial | F | 6 | 3 | 16.7% | 6.49% |
| 24 | Coastal Community Bank | C | 6 | 0 | 0.0% | — |
| 25 | The Citizens National Bank of Meridian | C | 5 | 3 | 20.0% | 7.60% |
Best approval odds in Newton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Community Bank of Mississippi | 54 | 1.9% |
| 2 | Triad Financial Services | 60 | 33.3% |
| 3 | 21st Mortgage | 64 | 76.6% |
What Newton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Newton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 489 | 240 | 29.5% | 7.75% | $85,000 |
| 2024 | 571 | 266 | 28.2% | 7.25% | $95,000 |
| 2025 | 669 | 316 | 27.8% | 7.17% | $95,000 |
Frequently asked questions
27.8% of applications in Newton County were denied in 2025, against 22.9% statewide in Mississippi.
21st Mortgage, with 106 applications in 2025 and a denial rate of 46.2%.
The median mortgage application in Newton County in 2025 was for $95,000; the median property value on originated loans was $165,000.