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Oktibbeha County, Mississippi · 2025

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

146 lenders acted on 1,421 mortgage applications for properties in Oktibbeha County in 2025. 20.5% were denied (Mississippi: 22.9%). Median rate on closed loans 6.75%; median loan $165,000; median property value $325,000.

1.4kApplications
20.5%Denial ratestate 22.9%
6.75%Median ratestate 6.75%
$165,000Median loan
$325,000Median property value

Largest lenders in Oktibbeha County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Cadence Bank B 193151 9.3%6.75%
2 21st Mortgage F 13616 52.2%10.46%
3 Renasant Bank B 12189 12.4%7.05%
4 BankFirst Financial Services A 9573 5.3%6.75%
5 Regions Bank C 6326 44.4%4.99%
6 Triad Financial Services D 5422 35.2%9.28%
7 Rocket Mortgage C 5234 28.9%6.43%
8 Trustmark National Bank C 4329 7.0%6.44%
9 BankPlus B 4236 0.0%6.50%
10 FirstBank C 4212 50.0%10.52%
11 Unnamed lender 529900YKD9FOL6BFSG98 C 3326 6.1%—
12 United Shore Financial Services B 2716 18.5%6.13%
13 Community Bank of Mississippi C 2119 0.0%7.50%
14 Magnolia Bank C 2016 5.0%6.13%
15 Mortgage Investors Group B 1614 0.0%6.44%
16 Union Home Mortgage B 1614 0.0%6.13%
17 Mortgage Research Center C 167 12.5%6.25%
18 Land Home Financial Services C 1610 0.0%7.88%
19 Pennymac Loan Services C 158 6.7%6.25%
20 Freedom Mortgage B 144 7.1%6.00%
21 Cardinal Financial Company, Limited Partnership B 125 25.0%5.75%
22 Geneva Financial C 126 8.3%6.69%
23 Vanderbilt Mortgage and Finance F 120 66.7%—
24 JPMorgan Chase Bank B 116 18.2%5.81%
25 AmeriSave Mortgage D 101 90.0%6.88%

Best approval odds in Oktibbeha County

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

#LenderDecidedDecision denial rate
1BankFirst Financial Services796.3%
2Cadence Bank17010.6%
3Renasant Bank10514.3%
4Rocket Mortgage5030.0%
5Triad Financial Services5435.2%
6Regions Bank5848.3%
721st Mortgage8880.7%

What Oktibbeha County borrowers applied for

By loan purpose

Home purchase 846 60% · 19.4% denied
Refinance 231 16% · 12.1% denied
Cash-out refinance 124 9% · 33.1% denied
Home improvement 67 5% · 25.4% denied
Other / HELOC 153 11% · 26.8% denied

By loan type

Conventional 1,172 82% · 21.3% denied
FHA 134 9% · 19.4% denied
VA 94 7% · 12.8% denied
USDA / RHS 21 1% · 14.3% denied

Why applications were denied

Credit history 118 41%
Debt-to-income ratio 64 22%
Collateral 40 14%
Incomplete application 32 11%
Other 14 5%
Unverifiable information 10 3%
Insufficient cash 7 2%
Employment history 4 1%

Oktibbeha County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,17165420.9%7.00%$155,000
20241,29872321.3%6.99%$155,000
20251,42183420.5%6.75%$165,000

Frequently asked questions

20.5% of applications in Oktibbeha County were denied in 2025, against 22.9% statewide in Mississippi.

Cadence Bank, with 193 applications in 2025 and a denial rate of 9.3%.

The median mortgage application in Oktibbeha County in 2025 was for $165,000; the median property value on originated loans was $325,000.