County directory · Mississippi

CDFI lenders in Pontotoc County, MS

1 is headquartered here. 2 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: 0
Based here: 1
Branch here: 2
Serve all of MS: 4

None of the lender websites we read names Pontotoc County; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Algoma, Ecru, Pontotoc, Randolph, Sherman, Thaxton.

Lenders compared for Pontotoc County

6 with local records

Lender	Local records	Loan sizes	Head office
1. Guaranty Bank and Trust Company Bank or thrift, Belzoni MS	2 offices here; 31 home loans here, 2025	ask	112 mi
2. BANKPLUS Bank or thrift, Belzoni MS	11 home loans here, 2025	ask	112 mi
3. BankFirst Financial Services Bank or thrift, Columbus MS	8 home loans here, 2025	ask	69 mi
4. Community Bank of Mississippi Bank or thrift, Flowood MS	6 home loans here, 2025	ask	147 mi
5. Guaranty Capital Corporation Bank holding company, Belzoni MS	2 offices here	ask	112 mi
6. The Peoples Corporation, Ripley, MS Bank holding company, Ripley MS	headquarters here	ask	4 mi

5 of these 6 lenders have received CDFI Fund awards, together $59.9M 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

7 lenders

30 branches or offices of 7 lenders on this page, within 30 miles of the centre of Pontotoc County. Lenders with no office nearby may still lend here; many work by phone and online.

Banks and credit unions with a branch in this county

2 certified CDFIs have at least one office in Pontotoc County (FDIC office data as of 30 Oct 2026). A branch shows presence, not a stated service area; credit unions also require membership.

CDFI mortgage lenders active here

Certified CDFIs reported 59 originated home loans for properties in Pontotoc County in 2025 under the Home Mortgage Disclosure Act: 13% of the 462 home loans that all HMDA lenders reported here.

Plus 3 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 Pontotoc County

Official statistics

Median household income in Pontotoc County is $51,484, 9% below the Mississippi figure of $56,447 (ACS 2020–2024).

Businesses here took 11.1 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: fewer than the median Mississippi county (19.1), rank 59 of 82.

Measure	Pontotoc County	Mississippi
Businesses with paid employees (CBP 2023)	540 (0.9% of the state)	60,465
…of which under 20 employees	87%	85%
Businesses without employees (Nonemployer Statistics 2023)	2,498	253,350
Median household income (ACS 2020–2024)	$51,484 (9% below the state)	$56,447
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	6 (5 7(a), 1 504)	2,067
…per 1,000 businesses with employees	11.1 (rank 59 of 82 Mississippi counties)	19.1 (median county)
…with a certified CDFI as lender, CDC or third-party lender	0 (0%)	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.

CDFI lending recorded here (FY2022)

CDFI Fund data, released Dec 2024

120 loans and investments totaling $13.6M (median $54,476) were reported to the CDFI Fund for borrowers and projects in Pontotoc County in fiscal year 2022, by 13 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Home purchase	76	$8.1M	$61,800
Home improvement	14	$721,316	$20,000
Non-real estate microenterprise	12	$280,366	$19,655
Non-real estate business	9	$2.2M	$126,225
Real estate: commercial construction, permanent or acquisition	6	$1.9M	$284,425
Real estate: single-family housing rehabilitation	3	$287,847	$115,000

CDFI banks and credit unions also reported 420 consumer loans in Pontotoc County totaling $6.3M (Consumer Loan Report, tract totals, so no median); they counted 11% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 121 · FY2019 21 · FY2020 175 · FY2021 269.

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.

Headquartered in Pontotoc County

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

The Peoples Corporation, Ripley, MSBank holding company · Ripley, MSOfficial list only

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

Oxford-Lafayette County MS-SBDCSmall Business Development Center · 299 Jackson Avenue West, Oxford, MS 38655662-234-4651 · about 26 miles from the centre of Pontotoc County

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.