Largest lenders in Washington County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Planters Bank & Trust | C | 190 | 142 | 11.1% | 8.50% |
| 2 | Guaranty Bank and Trust | D | 101 | 65 | 24.8% | 7.83% |
| 3 | Regions Bank | C | 57 | 20 | 43.9% | 6.38% |
| 4 | Trustmark National Bank | C | 47 | 33 | 12.8% | 6.65% |
| 5 | Kiavi Funding | D | 46 | 0 | 0.0% | — |
| 6 | CB&S Bank | C | 40 | 25 | 25.0% | 7.70% |
| 7 | Rocket Mortgage | C | 37 | 25 | 32.4% | 6.50% |
| 8 | Mortgage Research Center | C | 25 | 9 | 24.0% | 6.63% |
| 9 | Southern Bancorp Bank | C | 21 | 15 | 9.5% | 7.75% |
| 10 | Broker Solutions | D | 21 | 7 | 9.5% | 6.88% |
| 11 | AmeriSave Mortgage | D | 18 | 2 | 72.2% | 7.44% |
| 12 | 21st Mortgage | F | 16 | 1 | 50.0% | 9.71% |
| 13 | Coastal Community Bank | C | 12 | 1 | 0.0% | 7.74% |
| 14 | Triad Financial Services | D | 11 | 1 | 45.5% | 8.00% |
| 15 | Vanderbilt Mortgage and Finance | F | 10 | 1 | 50.0% | 11.75% |
| 16 | New Day Financial | F | 9 | 2 | 11.1% | 7.12% |
| 17 | Freedom Mortgage | B | 9 | 3 | 11.1% | 6.25% |
| 18 | Guild Mortgage | A | 9 | 7 | 22.2% | 6.27% |
| 19 | Hope Federal Credit Union | D | 9 | 4 | 55.6% | 6.75% |
| 20 | Navy Federal Credit Union | D | 9 | 1 | 66.7% | 7.13% |
| 21 | Loandepot.Com | D | 8 | 5 | 37.5% | 6.50% |
| 22 | Discover Bank | F | 7 | 2 | 42.9% | 7.20% |
| 23 | Pennymac Loan Services | C | 6 | 1 | 0.0% | 5.75% |
| 24 | U.S. Bank | D | 6 | 2 | 66.7% | 8.10% |
| 25 | BankPlus | B | 6 | 4 | 16.7% | 7.13% |
Best approval odds in Washington County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Planters Bank & Trust | 165 | 12.7% |
| 2 | Guaranty Bank and Trust | 90 | 27.8% |
What Washington County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Washington County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 787 | 408 | 29.1% | 7.88% | $75,000 |
| 2024 | 817 | 421 | 30.4% | 8.42% | $75,000 |
| 2025 | 885 | 447 | 21.9% | 7.50% | $75,000 |
Frequently asked questions
21.9% of applications in Washington County were denied in 2025, against 22.9% statewide in Mississippi.
Planters Bank & Trust, with 190 applications in 2025 and a denial rate of 11.1%.
The median mortgage application in Washington County in 2025 was for $75,000; the median property value on originated loans was $145,000.