Largest lenders in Winston County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Cadence Bank | B | 105 | 72 | 18.1% | 7.49% |
| 2 | 21st Mortgage | F | 55 | 10 | 47.3% | 11.09% |
| 3 | Renasant Bank | B | 55 | 31 | 10.9% | 7.25% |
| 4 | The Citizens Bank of Philadelphia, Mississippi | C | 36 | 23 | 13.9% | — |
| 5 | Triad Financial Services | D | 28 | 7 | 35.7% | 9.90% |
| 6 | Rocket Mortgage | C | 18 | 9 | 33.3% | 6.25% |
| 7 | Regions Bank | C | 16 | 5 | 56.3% | 4.99% |
| 8 | Mortgage Research Center | C | 13 | 7 | 30.8% | 6.50% |
| 9 | Trustmark National Bank | C | 11 | 9 | 18.2% | 5.99% |
| 10 | Cardinal Financial Company, Limited Partnership | B | 9 | 9 | 0.0% | 6.25% |
| 11 | Hope Federal Credit Union | D | 9 | 7 | 22.2% | 7.00% |
| 12 | Vanderbilt Mortgage and Finance | F | 7 | 1 | 57.1% | 9.50% |
| 13 | AmeriSave Mortgage | D | 6 | 0 | 83.3% | — |
| 14 | Crosscountry Mortgage | B | 6 | 1 | 0.0% | 6.25% |
| 15 | FirstBank | C | 6 | 3 | 16.7% | 10.49% |
| 16 | BankFirst Financial Services | A | 6 | 4 | 0.0% | 7.12% |
| 17 | First Community Mortgage | A | 5 | 4 | 0.0% | 6.37% |
| 18 | United Shore Financial Services | B | 5 | 3 | 20.0% | 6.25% |
| 19 | American Mortgage Bank | C | 5 | 2 | 0.0% | 6.69% |
Best approval odds in Winston County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Cadence Bank | 94 | 20.2% |
What Winston County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Winston County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 451 | 193 | 35.7% | 7.50% | $85,000 |
| 2024 | 442 | 214 | 31.5% | 7.75% | $95,000 |
| 2025 | 473 | 240 | 25.0% | 7.05% | $95,000 |
Frequently asked questions
25.0% of applications in Winston County were denied in 2025, against 22.9% statewide in Mississippi.
Cadence Bank, with 105 applications in 2025 and a denial rate of 18.1%.
The median mortgage application in Winston County in 2025 was for $95,000; the median property value on originated loans was $175,000.