Largest lenders in Panola County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 188 | 31 | 50.5% | 10.94% |
| 2 | Vanderbilt Mortgage and Finance | F | 93 | 6 | 43.0% | 11.38% |
| 3 | Triad Financial Services | D | 75 | 22 | 44.0% | 8.70% |
| 4 | First Security Bank, Batesville, Mississippi | B | 61 | 44 | 11.5% | — |
| 5 | Regions Bank | C | 60 | 21 | 50.0% | 6.50% |
| 6 | Guaranty Bank and Trust | D | 58 | 41 | 13.8% | 6.88% |
| 7 | Rocket Mortgage | C | 47 | 31 | 21.3% | 6.63% |
| 8 | FirstBank | C | 41 | 12 | 51.2% | 10.49% |
| 9 | Cadence Bank | B | 37 | 25 | 24.3% | 7.50% |
| 10 | Trustmark National Bank | C | 36 | 26 | 13.9% | 6.11% |
| 11 | Union Home Mortgage | B | 34 | 26 | 2.9% | 5.88% |
| 12 | BankPlus | B | 25 | 20 | 8.0% | 6.50% |
| 13 | Planters Bank & Trust | C | 22 | 20 | 4.6% | 8.03% |
| 14 | Mortgage Research Center | C | 22 | 10 | 18.2% | 6.69% |
| 15 | Renasant Bank | B | 20 | 11 | 35.0% | 6.98% |
| 16 | Southwest Stage Funding | F | 20 | 7 | 15.0% | 8.90% |
| 17 | AmeriSave Mortgage | D | 19 | 4 | 68.4% | 7.69% |
| 18 | BankFirst Financial Services | A | 19 | 17 | 5.3% | 8.00% |
| 19 | Cardinal Financial Company, Limited Partnership | B | 18 | 14 | 0.0% | 6.00% |
| 20 | Loandepot.Com | D | 16 | 7 | 12.5% | 6.99% |
| 21 | Broker Solutions | D | 15 | 6 | 13.3% | 6.69% |
| 22 | Freedom Mortgage | B | 13 | 4 | 7.7% | 6.00% |
| 23 | Navy Federal Credit Union | D | 13 | 7 | 15.4% | 7.65% |
| 24 | Fairway Independent Mortgage | B | 12 | 8 | 8.3% | 6.22% |
| 25 | Newrez | D | 12 | 1 | 25.0% | 5.75% |
Best approval odds in Panola County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Security Bank, Batesville, Mississippi | 51 | 13.7% |
| 2 | Guaranty Bank and Trust | 50 | 16.0% |
| 3 | Triad Financial Services | 75 | 44.0% |
| 4 | Regions Bank | 54 | 55.6% |
| 5 | 21st Mortgage | 133 | 71.4% |
| 6 | Vanderbilt Mortgage and Finance | 52 | 76.9% |
What Panola County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Panola County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,059 | 431 | 32.8% | 7.01% | $115,000 |
| 2024 | 1,112 | 472 | 31.9% | 6.99% | $115,000 |
| 2025 | 1,239 | 558 | 28.5% | 6.88% | $125,000 |
Frequently asked questions
28.5% of applications in Panola County were denied in 2025, against 22.9% statewide in Mississippi.
21st Mortgage, with 188 applications in 2025 and a denial rate of 50.5%.
The median mortgage application in Panola County in 2025 was for $125,000; the median property value on originated loans was $215,000.