Largest lenders in Wayne County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | 21st Mortgage | F | 132 | 23 | 49.2% | 11.37% |
| 2 | Triad Financial Services | D | 92 | 26 | 47.8% | 9.46% |
| 3 | Tammac Holdings | D | 38 | 3 | 79.0% | 11.90% |
| 4 | FirstBank | C | 35 | 2 | 68.6% | 10.37% |
| 5 | Unnamed lender 254900CRPFBFJUTD8P12 | B | 35 | 29 | 11.4% | — |
| 6 | Vanderbilt Mortgage and Finance | F | 32 | 5 | 46.9% | 9.75% |
| 7 | Rocket Mortgage | C | 23 | 12 | 47.8% | 6.43% |
| 8 | Community Bank of Mississippi | C | 22 | 17 | 9.1% | 8.33% |
| 9 | Cadence Bank | B | 19 | 9 | 36.8% | 7.50% |
| 10 | BankPlus | B | 13 | 9 | 23.1% | 7.50% |
| 11 | Regions Bank | C | 11 | 1 | 81.8% | 6.50% |
| 12 | Trustmark National Bank | C | 10 | 7 | 20.0% | 7.50% |
| 13 | Broker Solutions | D | 9 | 2 | 11.1% | 7.35% |
| 14 | Credit Human Federal Credit Union | D | 8 | 0 | 87.5% | — |
| 15 | Freedom Mortgage | B | 8 | 3 | 12.5% | 6.00% |
| 16 | Keesler | D | 7 | 2 | 42.9% | 6.88% |
| 17 | Mortgage Research Center | C | 6 | 3 | 0.0% | 7.25% |
| 18 | Great Southern Bank | A | 5 | 5 | 0.0% | — |
| 19 | First Colony Mortgage | A | 5 | 2 | 20.0% | 6.19% |
Best approval odds in Wayne County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Triad Financial Services | 92 | 47.8% |
| 2 | 21st Mortgage | 88 | 73.9% |
What Wayne County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Wayne County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 457 | 181 | 35.0% | 8.00% | $105,000 |
| 2024 | 551 | 200 | 36.8% | 7.50% | $95,000 |
| 2025 | 625 | 217 | 40.8% | 7.83% | $95,000 |
Frequently asked questions
40.8% of applications in Wayne County were denied in 2025, against 22.9% statewide in Mississippi.
21st Mortgage, with 132 applications in 2025 and a denial rate of 49.2%.
The median mortgage application in Wayne County in 2025 was for $95,000; the median property value on originated loans was $155,000.