Largest lenders in Smith County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 108 | 16 | 50.9% | 11.02% |
| 2 | Community Bank of Mississippi | C | 86 | 69 | 11.6% | 8.40% |
| 3 | Trustmark National Bank | C | 54 | 44 | 7.4% | 7.50% |
| 4 | Triad Financial Services | D | 51 | 23 | 33.3% | 8.61% |
| 5 | Vanderbilt Mortgage and Finance | F | 21 | 2 | 38.1% | 8.99% |
| 6 | Rocket Mortgage | C | 19 | 13 | 15.8% | 5.99% |
| 7 | Regions Bank | C | 14 | 4 | 64.3% | 7.19% |
| 8 | FirstBank | C | 14 | 2 | 57.1% | 9.87% |
| 9 | Cadence Bank | B | 13 | 9 | 15.4% | 7.25% |
| 10 | PriorityOne Bank | B | 12 | 9 | 8.3% | 6.88% |
| 11 | United Shore Financial Services | B | 11 | 9 | 9.1% | 6.13% |
| 12 | AmeriSave Mortgage | D | 9 | 2 | 77.8% | 7.88% |
| 13 | Peoples Bank | D | 9 | 7 | 0.0% | — |
| 14 | BankFirst Financial Services | A | 8 | 6 | 0.0% | 7.25% |
| 15 | New Day Financial | F | 7 | 2 | 0.0% | 6.93% |
| 16 | Guild Mortgage | A | 7 | 7 | 0.0% | 6.75% |
| 17 | Credit Human Federal Credit Union | D | 6 | 0 | 100.0% | — |
| 18 | Mortgage Research Center | C | 6 | 1 | 33.3% | 6.25% |
| 19 | Loandepot.Com | D | 6 | 4 | 16.7% | 6.12% |
| 20 | Navy Federal Credit Union | D | 6 | 1 | 50.0% | 6.25% |
| 21 | Unnamed lender 529900YKD9FOL6BFSG98 | C | 6 | 4 | 16.7% | — |
| 22 | The Bank of Forest | A | 5 | 5 | 0.0% | — |
| 23 | Southwest Stage Funding | F | 5 | 2 | 0.0% | 11.18% |
Best approval odds in Smith County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Trustmark National Bank | 50 | 8.0% |
| 2 | Community Bank of Mississippi | 84 | 11.9% |
| 3 | Triad Financial Services | 51 | 33.3% |
| 4 | 21st Mortgage | 73 | 75.3% |
What Smith County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Smith County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 498 | 237 | 31.1% | 8.00% | $85,000 |
| 2024 | 461 | 220 | 27.8% | 8.50% | $85,000 |
| 2025 | 564 | 277 | 27.7% | 7.50% | $95,000 |
Frequently asked questions
27.7% of applications in Smith County were denied in 2025, against 22.9% statewide in Mississippi.
21st Mortgage, with 108 applications in 2025 and a denial rate of 50.9%.
The median mortgage application in Smith County in 2025 was for $95,000; the median property value on originated loans was $195,000.