Find a better mortgage lender

Pontotoc County, Mississippi · 2025

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

104 lenders acted on 944 mortgage applications for properties in Pontotoc County in 2025. 24.1% were denied (Mississippi: 22.9%). Median rate on closed loans 6.88%; median loan $125,000; median property value $225,000.

944Applications
24.1%Denial ratestate 22.9%
6.88%Median ratestate 6.75%
$125,000Median loan
$225,000Median property value

Largest lenders in Pontotoc County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 14320 42.7%10.41%
2 Renasant Bank B 12788 14.2%7.25%
3 Cadence Bank B 5037 16.0%6.88%
4 Triad Financial Services D 4717 27.7%9.07%
5 Rocket Mortgage C 4628 30.4%6.75%
6 Guaranty Bank and Trust D 4031 10.0%7.00%
7 Regions Bank C 3215 31.3%6.38%
8 Mortgage Investors Group B 3028 0.0%6.38%
9 Pennymac Loan Services C 2418 8.3%6.12%
10 Mortgage Research Center C 233 34.8%6.50%
11 FirstBank C 186 27.8%9.28%
12 Loandepot.Com D 188 27.8%5.99%
13 BankPlus B 1711 17.7%6.68%
14 Broker Solutions D 166 6.3%7.31%
15 Magnolia Bank C 1413 7.1%6.13%
16 Coastal Community Bank C 140 0.0%—
17 Nationstar Mortgage C 127 25.0%7.38%
18 AmeriSave Mortgage D 111 72.7%6.13%
19 Cardinal Financial Company, Limited Partnership B 119 18.2%6.75%
20 Vanderbilt Mortgage and Finance F 110 27.3%—
21 Trustmark National Bank C 118 0.0%6.81%
22 Southwest Funding C 109 0.0%6.38%
23 Southwest Stage Funding F 101 10.0%6.88%
24 First Community Mortgage A 98 11.1%6.31%
25 Navy Federal Credit Union D 92 66.7%7.10%

Best approval odds in Pontotoc County

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

#LenderDecidedDecision denial rate
1Renasant Bank10916.5%
221st Mortgage8571.8%

What Pontotoc County borrowers applied for

By loan purpose

Home purchase 511 54% · 21.5% denied
Refinance 136 14% · 12.5% denied
Cash-out refinance 134 14% · 31.3% denied
Home improvement 40 4% · 45.0% denied
Other / HELOC 123 13% · 32.5% denied

By loan type

Conventional 688 73% · 26.5% denied
FHA 160 17% · 16.9% denied
VA 59 6% · 22.0% denied
USDA / RHS 37 4% · 13.5% denied

Why applications were denied

Credit history 94 42%
Debt-to-income ratio 55 24%
Incomplete application 29 13%
Collateral 26 12%
Other 15 7%
Insufficient cash 3 1%
Unverifiable information 2 1%
Employment history 1 0%

Pontotoc County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202386336429.1%7.25%$115,000
202486441230.2%7.13%$120,000
202594446224.1%6.88%$125,000

Frequently asked questions

24.1% of applications in Pontotoc County were denied in 2025, against 22.9% statewide in Mississippi.

21st Mortgage, with 143 applications in 2025 and a denial rate of 42.7%.

The median mortgage application in Pontotoc County in 2025 was for $125,000; the median property value on originated loans was $225,000.