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Pearl River County, Mississippi · 2025

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

160 lenders acted on 2,368 mortgage applications for properties in Pearl River County in 2025. 22.8% were denied (Mississippi: 22.9%). Median rate on closed loans 6.50%; median loan $155,000; median property value $245,000.

2.4kApplications
22.8%Denial ratestate 22.9%
6.50%Median ratestate 6.75%
$155,000Median loan
$245,000Median property value

Largest lenders in Pearl River County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Keesler D 19886 36.9%6.69%
2 21st Mortgage F 14817 54.7%11.01%
3 Rocket Mortgage C 14192 21.3%6.63%
4 Planet Home Lending B 129115 6.2%6.25%
5 FNB Picayune Bank B 125101 9.6%—
6 BankPlus B 12383 13.8%6.63%
7 GMFS A 8031 0.0%6.38%
8 Vanderbilt Mortgage and Finance F 7811 32.1%9.25%
9 Hancock Whitney Bank B 7742 29.9%6.19%
10 Regions Bank C 7032 45.7%5.50%
11 Mortgage Research Center C 6837 22.1%6.63%
12 Triad Financial Services D 6216 25.8%8.85%
13 Freedom Mortgage B 5832 8.6%6.13%
14 Eustis Mortgage B 5542 3.6%6.43%
15 Broker Solutions D 5221 7.7%6.75%
16 United Shore Financial Services B 4832 14.6%6.06%
17 AmeriSave Mortgage D 4312 62.8%8.00%
18 Navy Federal Credit Union D 3721 16.2%6.00%
19 Primelending, a Plainscapital A 3225 3.1%6.56%
20 Newrez D 3111 19.4%6.50%
21 CMG Mortgage A 3022 3.3%6.00%
22 Loandepot.Com D 2816 28.6%6.38%
23 New Day Financial F 257 20.0%7.25%
24 Crosscountry Mortgage B 2311 0.0%6.50%
25 Credit Human Federal Credit Union D 231 73.9%7.00%

Best approval odds in Pearl River County

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

#LenderDecidedDecision denial rate
1Planet Home Lending1236.5%
2FNB Picayune Bank11810.2%
3BankPlus10516.2%
4Rocket Mortgage12723.6%
5Triad Financial Services6225.8%
6Mortgage Research Center5328.3%
7Hancock Whitney Bank6634.9%
8Keesler16045.6%
9Regions Bank6648.5%
1021st Mortgage9882.7%

What Pearl River County borrowers applied for

By loan purpose

Home purchase 1,192 50% · 18.6% denied
Refinance 382 16% · 13.9% denied
Cash-out refinance 420 18% · 30.2% denied
Home improvement 150 6% · 34.0% denied
Other / HELOC 224 9% · 38.8% denied

By loan type

Conventional 1,494 63% · 27.6% denied
FHA 470 20% · 18.5% denied
VA 311 13% · 12.2% denied
USDA / RHS 93 4% · 3.2% denied

Why applications were denied

Credit history 195 37%
Debt-to-income ratio 109 21%
Collateral 73 14%
Incomplete application 60 11%
Other 48 9%
Unverifiable information 19 4%
Insufficient cash 13 2%
Employment history 5 1%

Pearl River County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20232,0141,01424.1%6.88%$135,000
20242,0241,03423.4%6.63%$145,000
20252,3681,21022.8%6.50%$155,000

Frequently asked questions

22.8% of applications in Pearl River County were denied in 2025, against 22.9% statewide in Mississippi.

Keesler, with 198 applications in 2025 and a denial rate of 36.9%.

The median mortgage application in Pearl River County in 2025 was for $155,000; the median property value on originated loans was $245,000.