Mortgage lenders in Pontotoc County
462 mortgages were made in Pontotoc County, Mississippi, in 2025, by 113 lenders. The median rate their borrowers got was 6.875% on a median loan of $145,000. Of 748 decisions, 227 were denials — 30.3%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Renasant Bank | 88 | 7.250% | $85,000 | 16.5% |
| Cadence Bank | 37 | 6.875% | $185,000 | 17.4% |
| Guaranty Bank and Trust Company | 31 | 7.000% | $185,000 | 11.4% |
| Rocket Mortgage, LLC | 28 | 6.750% | $135,000 | 32.6% |
| MORTGAGE INVESTORS GROUP, INC. | 28 | 6.375% | $260,000 | 0.0% |
| 21st Mortgage Corporation | 20 | 10.405% | $110,000 | 71.8% |
| PENNYMAC LOAN SERVICES, LLC | 18 | 6.125% | $225,000 | 10.0% |
| TRIAD FINANCIAL SERVICES, INC. | 17 | 9.070% | $115,000 | 27.7% |
| Regions Bank | 15 | 6.375% | $65,000 | 37.0% |
| Magnolia Bank, Incorporated | 13 | 6.125% | $175,000 | 7.1% |
| BankPlus | 11 | 6.500% | $175,000 | 21.4% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 9 | Under 10 loans | Under 10 loans | 18.2% |
| SOUTHWEST FUNDING, LP | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 8 | Under 10 loans | Under 10 loans | 38.5% |
| Trustmark National Bank | 8 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| BankFirst Financial Services | 8 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| FirstBank | 6 | Under 10 loans | Under 10 loans | 27.8% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Community Bank of Mississippi | 6 | Under 10 loans | Under 10 loans | 14.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 3 | Under 10 loans | Under 10 loans | 72.7% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| STOCKTON MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Paragon Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Navy Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 75.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 2 | Under 10 loans | Under 10 loans | 42.9% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| COMMUNITYAMERICA CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 88.9% |
| SOUTHWEST STAGE FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 25.0% |
| NEWREZ LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 16.7% |
| SPRING EQ, LLC | 1 | Under 10 loans | Under 10 loans | 80.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 75.0% |
| GENEVA FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GMFS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| USAA Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Holly Springs | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CSL Financial, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| C & F Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Citizens Bank of Philadelphia, Mississippi | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NASA Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CIS Financial Services, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Eagle Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CITIZENS EQUITY FIRST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 0 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 75.0% |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ACOPIA, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| COUNTRYPLACE MORTGAGE, LTD. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First National Bank of America | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VISTA POINT MORTGAGE, LLC | 0 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| MUTUAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 50.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Luminate Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| NBKC BANK | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Commercial Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Nations Lending Corporation | 0 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Direct Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| ATLANTA POSTAL | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Valon Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| Truity Federal Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| CB&S Bank, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| SUN WEST MORTGAGE COMPANY, INC. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Colorado Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| STAR USA FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| NUMARK CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| RED RIVER EMPLOYEES FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| FIRST FLORIDA Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Fidelity Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Centier Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| JPMorgan Chase Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Citizens Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Pontotoc County
9 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First Choice Bank | 3 | $445.5 million |
| Renasant Bank | 2 | $180.5 million |
| The Huntington National Bank | 1 | $34.7 million |
| Guaranty Bank and Trust Company | 1 | $20.4 million |
| BNA Bank | 1 | $11.8 million |
| Woodforest National Bank | 1 | $2.9 million |
Closed since the 2025 survey
1 branch in the 2025 survey has no 2026 row: closed, sold, or moved.
- Cadence Bank, 103 Mccord Rd, Pontotoc
Get told when this changes
When the next year’s lending figures are out for Pontotoc County, or a lender arrives or leaves.
Double opt-in, one click to unsubscribe. We never sell or share the list, and we are not a lender, a broker or a lead generator: this is a notification about published data, not a sales call. Privacy.
Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.