Planters Bank & Trust Company
Planters Bank & Trust Company received 555 applications in 2025 and made 435 mortgages, in 46 counties across 7 states. The median rate its borrowers got was 8.100% on a median loan of $75,000. Of 486 decisions, 47 were denials — 9.7%, most often for credit history.
| Legal Entity Identifier | 549300PGV74J5SPHTG47 |
|---|---|
| Applications received | 555 |
| Mortgages made | 435 |
| Denied | 47 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 69 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 2.2885 points |
| FDIC-insured bank | Yes: Planters Bank & Trust Company, 33 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 142 | 7.600% | $145,000 | 10.1% |
| Refinancing | 238 | 8.230% | $55,000 | 5.1% |
| Cash-out refinancing | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Other purposes | 55 | 8.470% | $35,000 | 20.0% |
Where Planters Bank & Trust Company lends most
The 46 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Washington County, MS | 142 | 8.500% | 12.7% |
| Bolivar County, MS | 53 | 8.090% | 10.0% |
| Sunflower County, MS | 53 | 8.210% | 15.9% |
| Shelby County, TN | 42 | 7.250% | 0.0% |
| Panola County, MS | 20 | 8.030% | 4.8% |
| Leflore County, MS | 18 | 8.350% | 5.3% |
| Orleans Parish, LA | 12 | 7.250% | 0.0% |
| Coahoma County, MS | 12 | 8.345% | 7.7% |
| DeSoto County, MS | 9 | Under 10 loans | 10.0% |
| Jefferson Parish, LA | 8 | Under 10 loans | 0.0% |
| Lafayette County, MS | 8 | Under 10 loans | 0.0% |
| Tunica County, MS | 8 | Under 10 loans | 0.0% |
| Carroll County, MS | 6 | Under 10 loans | 14.3% |
| Chicot County, AR | 5 | Under 10 loans | 16.7% |
| Tangipahoa Parish, LA | 5 | Under 10 loans | 0.0% |
| St. Tammany Parish, LA | 4 | Under 10 loans | 0.0% |
| Tallahatchie County, MS | 3 | Under 10 loans | 0.0% |
| Grenada County, MS | 2 | Under 10 loans | 0.0% |
| Harrison County, MS | 2 | Under 10 loans | 0.0% |
| Issaquena County, MS | 2 | Under 10 loans | 0.0% |
| Tate County, MS | 2 | Under 10 loans | 33.3% |
| Tippah County, MS | 2 | Under 10 loans | 0.0% |
| Tipton County, TN | 2 | Under 10 loans | 0.0% |
| Baldwin County, AL | 1 | Under 10 loans | 0.0% |
| Lauderdale County, AL | 1 | Under 10 loans | 0.0% |
| Baxter County, AR | 1 | Under 10 loans | 0.0% |
| Washington County, AR | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Fulton County, GA | 1 | Under 10 loans | 0.0% |
| East Baton Rouge Parish, LA | 1 | Under 10 loans | 0.0% |
| St. Charles Parish, LA | 1 | Under 10 loans | 0.0% |
| Benton County, MS | 1 | Under 10 loans | 0.0% |
| Holmes County, MS | 1 | Under 10 loans | 0.0% |
| Marshall County, MS | 1 | Under 10 loans | 0.0% |
| Oktibbeha County, MS | 1 | Under 10 loans | 0.0% |
| Rankin County, MS | 1 | Under 10 loans | 0.0% |
| Yazoo County, MS | 1 | Under 10 loans | 50.0% |
| Montgomery County, TN | 1 | Under 10 loans | 0.0% |
| Lee County, AL | 0 | Under 10 loans | Not published |
| Ashley County, AR | 0 | Under 10 loans | 100.0% |
| Phillips County, AR | 0 | Under 10 loans | Not published |
| St. Bernard Parish, LA | 0 | Under 10 loans | Not published |
| Madison County, MS | 0 | Under 10 loans | Not published |
| Quitman County, MS | 0 | Under 10 loans | 0.0% |
| Sharkey County, MS | 0 | Under 10 loans | Not published |
| Yalobusha County, MS | 0 | Under 10 loans | 100.0% |
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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. 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.