Home purchase lenders in DeSoto County
2,798 home purchase mortgages were made in DeSoto County, Mississippi, in 2025, by 222 lenders. The median rate their borrowers got was 6.375% on a median loan of $295,000. Of 3,175 decisions, 293 were denials — 9.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Trustmark National Bank | 187 | 6.000% | $245,000 | 6.0% |
| COMMUNITY MORTGAGE CORPORATION | 186 | 6.250% | $295,000 | 1.1% |
| Eagle Bank and Trust Company | 141 | 6.375% | $265,000 | 2.1% |
| Cadence Bank | 139 | 6.125% | $305,000 | 4.1% |
| Nations Lending Corporation | 131 | 6.500% | $285,000 | 2.8% |
| Mortgage Research Center, LLC | 96 | 6.563% | $335,000 | 8.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 90 | 6.250% | $305,000 | 8.2% |
| Guaranty Bank and Trust Company | 83 | 6.750% | $255,000 | 7.7% |
| GUARANTEED RATE, INC. | 79 | 6.250% | $315,000 | 8.1% |
| Rocket Mortgage, LLC | 75 | 6.500% | $285,000 | 20.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 75 | 6.490% | $305,000 | 5.1% |
| GUILD MORTGAGE COMPANY | 66 | 6.375% | $265,000 | 0.0% |
| DHI MORTGAGE COMPANY, LTD. | 65 | 4.990% | $345,000 | 13.3% |
| CMG MORTGAGE, INC. | 64 | 6.000% | $225,000 | 2.7% |
| Community Bank of Mississippi | 62 | 6.875% | $250,000 | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 59 | 6.250% | $305,000 | 3.1% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 51 | 6.390% | $225,000 | 15.0% |
| BankPlus | 48 | 6.875% | $265,000 | 2.0% |
| Renasant Bank | 46 | 6.125% | $285,000 | 9.6% |
| EVERETT FINANCIAL, INC. | 41 | 6.625% | $305,000 | 2.4% |
| ACOPIA, LLC | 39 | 6.125% | $305,000 | 8.3% |
| Regions Bank | 38 | 6.250% | $265,000 | 6.8% |
| STOCKTON MORTGAGE CORPORATION | 37 | 6.440% | $275,000 | 0.0% |
| Broker Solutions, Inc. | 36 | 6.500% | $290,000 | 5.3% |
| First Security Bank, Batesville, Mississippi | 33 | Not published | $255,000 | 0.0% |
| Navy Federal Credit Union | 30 | 6.063% | $330,000 | 13.9% |
| MORTGAGE INVESTORS GROUP, INC. | 27 | 6.250% | $355,000 | 0.0% |
| Pinnacle Bank | 25 | 6.375% | $325,000 | 7.4% |
| BankFirst Financial Services | 24 | 6.940% | $190,000 | 4.0% |
| UNION HOME MORTGAGE CORP. | 21 | 5.875% | $305,000 | 0.0% |
| Patriot Bank | 19 | 6.125% | $335,000 | 0.0% |
| First Horizon Bank | 18 | 6.375% | $255,000 | 10.0% |
| USAA Federal Savings Bank | 16 | 6.125% | $360,000 | 27.3% |
| JPMorgan Chase Bank, National Association | 16 | 6.063% | $290,000 | 5.9% |
| BARTLETT MORTGAGE, INC. | 16 | 6.250% | $370,000 | 0.0% |
| Evolve Bank & Trust | 16 | 6.187% | $360,000 | 0.0% |
| HOPE FEDERAL CREDIT UNION | 15 | 7.000% | $255,000 | 28.6% |
| Southern Bancorp Bank | 15 | 7.750% | $255,000 | 5.6% |
| The Citizens National Bank of Meridian | 15 | 6.500% | $305,000 | 0.0% |
| PriorityOne Bank | 15 | 6.500% | $315,000 | 0.0% |
| SWBC MORTGAGE CORPORATION | 14 | 5.938% | $305,000 | 5.9% |
| Fairway Independent Mortgage Corporation | 13 | 6.750% | $235,000 | 31.6% |
| Loandepot.Com, LLC | 13 | 6.375% | $285,000 | 16.7% |
| FBC MORTGAGE, LLC | 13 | 4.990% | $385,000 | 0.0% |
| Commerce Home Mortgage, Inc. | 12 | 6.688% | $250,000 | 0.0% |
| DIRECTIONS EQUITY, LLC | 12 | 5.750% | $305,000 | 7.7% |
| Leaders Credit Union | 10 | 6.490% | $305,000 | 9.1% |
| Paramount Residential Mortgage Group, Inc. | 10 | 6.875% | $320,000 | 9.1% |
| Orion Federal Credit Union | 10 | 5.933% | $320,000 | 9.1% |
| MORTGAGE FINANCIAL SERVICES, LLC | 10 | 6.990% | $285,000 | 0.0% |
| FIRSTTRUST HOME LOANS, INC. | 10 | 6.250% | $255,000 | 0.0% |
| Bank of Bartlett | 9 | Under 10 loans | Under 10 loans | 43.5% |
| Bank of Holly Springs | 9 | Under 10 loans | Under 10 loans | 14.3% |
| FIRST COLONY MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| T2 FINANCIAL LLC | 9 | Under 10 loans | Under 10 loans | 9.1% |
| FIRST COMMUNITY MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 16.7% |
| KIND LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| First South Financial Federally Insured State-Chartered Credit Union | 8 | Under 10 loans | Under 10 loans | 11.1% |
| FirstBank | 8 | Under 10 loans | Under 10 loans | 18.2% |
| PNC Bank, National Association | 8 | Under 10 loans | Under 10 loans | 20.0% |
| PENNYMAC LOAN SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Loan Funder LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| Independent Bank | 7 | Under 10 loans | Under 10 loans | 33.3% |
| Wolfe Financial, Inc | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Colorado Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 72.0% |
| Equity Prime Mortgage LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Planters Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| First Commercial Bank | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Bank of America, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| SUCCESS LENDING, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| ZILLOW HOME LOANS, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| FEDEX EMPLOYEES CREDIT ASSOCIATION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 5 | Under 10 loans | Under 10 loans | 25.0% |
| Brighton Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Paragon Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 4 | Under 10 loans | Under 10 loans | 75.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 60.0% |
| Click n' Close, Inc. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TRIAD FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Truist Bank | 4 | Under 10 loans | Under 10 loans | 33.3% |
| NEWREZ LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Cornerstone First Mortgage, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| SOUTHWEST FUNDING, LP | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Bank3 | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Simmons Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Memphis City Employees Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| THE LOAN STORE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Financial Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SECURITYNATIONAL MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DEEPHAVEN MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| INSOUTH Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALL CREDIT CONSIDERED MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| U.S. Bank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Quontic Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of Fayette County | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Citizens National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 9845007CY0EC0F59W414 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 83.3% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CB&S Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GENWAY HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RANLIFE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN MORTGAGE SERVICES INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Watermark Capital, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STANDARD MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TruHome Solutions, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| b1BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gulf Coast Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Toyota Financial Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESOURCE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFN Lending Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Partners Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KEESLER | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dayspring Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commercial Bank & Trust Co. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ONY GLO, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Texana Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHEAST MORTGAGE OF GEORGIA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Midwest Bank of the Ozarks | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bell Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fifth Third Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Raymond James Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| TAMMAC HOLDINGS CORPORATION | 0 | Under 10 loans | Under 10 loans | 75.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Ameris Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GMFS LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 22 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
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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.