County directory · Mississippi

CDFI lenders in Lincoln County, MS

2 certified CDFIs name Lincoln County or a town in it as part of their service area on their own website. 2 more are headquartered here. 11 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: 2
Based here: 2
Branch here: 11
Serve all of MS: 4

A lender naming Lincoln 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: Bogue Chitto, Brookhaven, Ruth.

Lenders compared for Lincoln County

17 with local records

Lender	Local records	Loan sizes	Head office
1. Ferguson Federal Credit Union Credit union, Monticello MS	website names Lincoln County; 1 office here; 5 home loans here, 2025	ask	18 mi
2. BANKPLUS Bank or thrift, Belzoni MS	2 offices here; 35 home loans here, 2025	ask	115 mi
3. First Bank Bank or thrift, McComb MS	2 offices here; 26 home loans here, 2025	ask	19 mi
4. Haven Capital Corporation Bank holding company, Brookhaven MS	headquarters here; 1 office here	ask	4 mi
5. BANK OF BROOKHAVEN Bank or thrift, Brookhaven MS	headquarters here; 1 office here	ask	5 mi
6. Pike National Bank Bank or thrift, McComb MS	website names Lincoln County; 1 office here	ask	23 mi
7. HOPE FEDERAL CREDIT UNION Credit union, Jackson MS	4 home loans here, 2025	ask	56 mi
8. Community Bank of Mississippi Bank or thrift, Flowood MS	3 home loans here, 2025	ask	60 mi
9. First Southwest Corporation McComb, MS Bank holding company, McComb MS	2 offices here	ask	19 mi
10. BancPlus Corporation Bank holding company, Ridgeland MS	2 offices here	ask	65 mi
11. PCNB Corp. Bank holding company, McComb MS	1 office here	ask	23 mi
12. Bank of Franklin Bank or thrift, Meadville MS	1 office here	ask	26 mi
13. Franklin Bancshares, Inc. Bank holding company, Meadville MS	1 office here	ask	26 mi
14. United Mississippi Bank Bank or thrift, Natchez MS	1 office here	ask	55 mi
15. Southwest Security, Inc. Bank holding company, Natchez MS	1 office here	ask	57 mi
16. BankFirst Capital Corporation Bank holding company, Columbus MS	1 office here	ask	185 mi
17. BankFirst Financial Services Bank or thrift, Columbus MS	1 office here	ask	185 mi

12 of these 17 lenders have received CDFI Fund awards, together $127.9M 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

15 lenders

9 head offices and 45 branches or offices of 15 lenders on this page, within 30 miles of the centre of Lincoln County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Small-business loans (3 lenders)
Auto / vehicle loans (2 lenders)
Commercial real estate loans (2 lenders)
Home mortgages (2 lenders)
Personal / consumer loans (2 lenders)
Home repair / improvement loans (2 lenders)
Agriculture / farm loans (1 lender)
Equipment loans (1 lender)

Banks and credit unions with a branch in this county

15 certified CDFIs have at least one office in Lincoln 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.

CDFI mortgage lenders active here

Certified CDFIs reported 79 originated home loans for properties in Lincoln County in 2025 under the Home Mortgage Disclosure Act: 16% of the 489 home loans that all HMDA lenders reported here.

Plus 4 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 Lincoln County

Official statistics

Median household income in Lincoln County is $51,119, 9% below the Mississippi figure of $56,447 (ACS 2020–2024).

Businesses here took 34.6 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Mississippi county (19.1), rank 21 of 82.

Measure	Lincoln County	Mississippi
Businesses with paid employees (CBP 2023)	810 (1.3% of the state)	60,465
…of which under 20 employees	86%	85%
Businesses without employees (Nonemployer Statistics 2023)	3,043	253,350
Median household income (ACS 2020–2024)	$51,119 (9% below the state)	$56,447
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	28 (28 7(a), 0 504)	2,067
…per 1,000 businesses with employees	34.6 (rank 21 of 82 Mississippi counties)	19.1 (median county)
Median SBA 7(a) loan, all lenders	$195,550	$222,350
…with a certified CDFI as lender, CDC or third-party lender	1 or 2	1,086 (53%)

Approvals by fiscal year: FY2020 1–2 · FY2021 9 · FY2022 4 · FY2023 6 · FY2024 3 · FY2025 3 · FY2026 1–2.

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.

CDFI lending recorded here (FY2022)

CDFI Fund data, released Dec 2024

1,048 loans and investments totaling $133.6M (median $36,881) were reported to the CDFI Fund for borrowers and projects in Lincoln County in fiscal year 2022, by 17 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Non-real estate microenterprise	435	$8M	$15,275
Non-real estate business	243	$55.4M	$111,528
Home improvement	127	$5.9M	$23,446
Real estate: commercial construction, permanent or acquisition	98	$41.1M	$97,456
Home purchase	85	$10.5M	$84,000
Real estate: single-family housing rehabilitation	31	$6.7M	$84,128
Other purposes	29	$6M

CDFI banks and credit unions also reported 1,013 consumer loans in Lincoln County totaling $11.1M (Consumer Loan Report, tract totals, so no median); they counted 1% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 5 · FY2020 215 · FY2021 481.

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 Lincoln County or a town in it

Headquartered in Lincoln County

The official list gives a headquarters address here. Check each lender's page for where it lends.

Say they serve all of Mississippi

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

Housing counseling

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.