County directory · Mississippi
CDFI lenders in Lawrence County, MS
1 certified CDFI names Lawrence County or a town in it as part of their service area on their own website. 4 more have a bank or credit-union branch here. 4 more say they serve all of Mississippi. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.
- Name this county
- 1
- Based here
- 0
- Branch here
- 4
- Serve all of MS
- 4
A lender naming Lawrence County on its website is a good sign, not an offer. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Jayess, Monticello, Newhebron, Oak Vale, Silver Creek, Sontag.
Lenders compared for Lawrence County
6 with local records| Lender | Local records | Loan sizes | Head office |
|---|---|---|---|
| 1. Ferguson Federal Credit Union Credit union, Monticello MS | website names Lawrence County; headquarters here; 4 offices here; 21 home loans here, 2025 | ask | 3 mi |
| 2. BANKPLUS Bank or thrift, Belzoni MS | 1 office here; 5 SBA loans here, FY2020–FY2026; 8 home loans here, 2025 | ask | 115 mi |
| 3. Peoples Bank Bank or thrift, Mendenhall MS | 3 SBA loans here, FY2020–FY2026 | $500–$5M | 32 mi |
| 4. First Bank Bank or thrift, McComb MS | 1 office here | ask | 30 mi |
| 5. First Southwest Corporation McComb, MS Bank holding company, McComb MS | 1 office here | ask | 30 mi |
| 6. BancPlus Corporation Bank holding company, Ridgeland MS | 1 office here | ask | 59 mi |
4 of these 6 lenders have received CDFI Fund awards, together $40M in fiscal years 2000–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.
Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.
Where these lenders have offices
8 lenders1 head office and 25 branches or offices of 8 lenders on this page, within 30 miles of the centre of Lawrence County. Lenders with no office nearby may still lend here; many work by phone and online.
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loan types confirmed on these lenders' websites
- Agriculture / farm loans (1 lender)
- Auto / vehicle loans (1 lender)
- Commercial real estate loans (1 lender)
- Home mortgages (1 lender)
- Personal / consumer loans (1 lender)
- Small-business loans (1 lender)
Banks and credit unions with a branch in this county
5 certified CDFIs have at least one office in Lawrence County (FDIC office data as of 30 Oct 2026 and NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.
- Ferguson Federal Credit UnionCredit union · Monticello, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Home mortgages…4 offices in Lawrence County · based hereVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loans1 office in Lawrence CountyVerified
- BancPlus CorporationBank holding company · Ridgeland, MS1 office in Lawrence CountyOfficial list only
- First BankBank or thrift · McComb, MS1 office in Lawrence CountyOfficial list only
- First Southwest Corporation McComb, MSBank holding company · McComb, MS1 office in Lawrence CountyOfficial list only
CDFI mortgage lenders active here
Certified CDFIs reported 39 originated home loans for properties in Lawrence County in 2025 under the Home Mortgage Disclosure Act: 23% of the 166 home loans that all HMDA lenders reported here.
- Ferguson Federal Credit UnionCredit union · Monticello, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Home mortgages…21 home loans here in 2025 (HMDA)Verified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loans8 home loans here in 2025 (HMDA)Verified
Plus 8 more certified CDFIs with fewer than 3 loans here each (not listed).
A lender headquartered far away can appear here: HMDA counts the county of the property, not of the lender. Banks and credit unions below the HMDA reporting thresholds and most loan funds do not report, so other CDFIs may also lend here.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
Small business and SBA lending in Lawrence County
Official statisticsMedian household income in Lawrence County is $43,531, 23% below the Mississippi figure of $56,447 (ACS 2020–2024).
Businesses here took 93.4 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Mississippi county (19.1), rank 9 of 82.
| Measure | Lawrence County | Mississippi |
|---|---|---|
| Businesses with paid employees (CBP 2023) | 182 (0.3% of the state) | 60,465 |
| …of which under 20 employees | 90% | 85% |
| Businesses without employees (Nonemployer Statistics 2023) | 862 | 253,350 |
| Median household income (ACS 2020–2024) | $43,531 (23% below the state) | $56,447 |
| SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026 | 17 (17 7(a), 0 504) | 2,067 |
| …per 1,000 businesses with employees | 93.4 (rank 9 of 82 Mississippi counties) | 19.1 (median county) |
| Median SBA 7(a) loan, all lenders | $363,200 | $222,350 |
| …with a certified CDFI as lender, CDC or third-party lender | 8 (47%) | 1,086 (53%) |
For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).
Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.
SBA loans made here by CDFIs
SBA data as of 30 Sep 2026Certified CDFIs were the lender, the CDC or the third-party lender on 8 SBA approvals (8 7(a) loans) for borrowers in Lawrence County in fiscal years 2020–2026, from 2 CDFIs. The 7(a) loans total $2.7M approved.
CDFIs with 3 or more: BANKPLUS (5), Peoples Bank (3).
Counted by the county of the borrower's ZIP code. Approval is not disbursement. These are only the SBA loans of certified CDFIs; most SBA lenders here are not CDFIs, and CDFIs also lend outside SBA programs.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
CDFI lending recorded here (FY2022)
CDFI Fund data, released Dec 2024207 loans and investments totaling $24.4M (median $42,190) were reported to the CDFI Fund for borrowers and projects in Lawrence County in fiscal year 2022, by 11 reporting CDFIs.
| Purpose (CDFI Fund category) | Count | Total | Median |
|---|---|---|---|
| Non-real estate microenterprise | 81 | $1.7M | $19,602 |
| Non-real estate business | 62 | $14.5M | $93,606 |
| Home improvement | 34 | $996,097 | $18,073 |
| Home purchase | 17 | $1.4M | $69,949 |
| Real estate: commercial construction, permanent or acquisition | 5 | $4.2M | $74,601 |
| Real estate: single-family housing construction | 3 | $772,380 | $297,299 |
| Other purposes | 3 | $441,404 |
CDFI banks and credit unions also reported 215 consumer loans in Lawrence County totaling $12.7M (Consumer Loan Report, tract totals, so no median); they counted 5% of them as serving low-income borrowers.
Loans and investments reported in other years: FY2019 18 · FY2020 104 · FY2021 188.
Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.
Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.
Lenders whose website names Lawrence County or a town in it
Say they serve all of Mississippi
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
- BankFirst Capital CorporationBank holding company · Columbus, MSAuto / vehicle loans, Equipment loans, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- BankFirst Financial ServicesBank or thrift · Columbus, MSAuto / vehicle loans, Commercial real estate loans, Equipment loans, Personal / consumer loans…Verified
- Renaissance Community Loan Fund, Inc.Loan fund · Gulfport, MSHome repair / improvement loans, Home mortgages, Small-business loansVerified
Free help before you apply
These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.
Business advice
- Marion County Development Partnership SBDCSmall Business Development Center · 412 Courthouse Square, Columbia, MS 39429601-736-6385 · about 27 miles from the centre of Lawrence County
- Mississippi SCORESCORE mentoring · PO Box 12085, Jackson, MS 39236800-634-0245 · about 52 miles from the centre of Lawrence County
- Jackson State University Women's Business CenterWomen's Business Center · 1400 John R. Lynch Street, College of Business, 3rd Floor, Suite 332, Jackson, MS 39217601-979-4186 · about 52 miles from the centre of Lawrence County
Housing counseling
- D&E, a Housing and Economic Empowerment Center, Inc.HUD-approved housing counselor · 416 Marion Ave, Mccomb, MS 39648601-600-7001 · about 31 miles from the centre of Lawrence County
- Breakthrough Community Services, Inc.HUD-approved housing counselor · 1313 Country Club Rd, Hattiesburg, MS 39401601-582-3475 · about 49 miles from the centre of Lawrence County
Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.
Other Mississippi counties
Source: CDFI Atlas, cdfiatlas.com/states/ms/counties/lawrence-county/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).