Pre-main-sequence disk accretion is pivotal for determining the final stellar properties and the early conditions for close-in planets. We aim to establish the impact of internal (stellar mass) and external (radiation field) parameters on the disk evolution in the Lagoon Nebula massive star-forming region. We employ simultaneous u, g, r, i, H{alpha} time-series photometry, archival infrared data, and high-precision K2 light curves to derive the stellar, disk, and accretion properties for 1012 Lagoon Nebula members. We estimate that of all young stars in the Lagoon Nebula, 34%-37% have inner disks traceable down to ~12{mu}m, while 38%-41% are actively accreting. We detect disks ~1.5 times more frequently around G, K, and M stars than around higher-mass stars, which appear to deplete their inner disks on shorter timescales. We find tentative evidence for a faster disk evolution in the central regions of the Lagoon Nebula, where the bulk of the O/B population is located. Conversely, disks appear to last longer at the nebula outskirts, where the measured fraction of disk-bearing stars tends to exceed that of accreting and disk-free stars. The derived mass accretion rates show a nonuniform dependence on stellar mass between ~0.2 and 5M{sun}. In addition, the typical accretion rates appear to differ across the Lagoon Nebula extension, with values twice lower in the core region than at its periphery. Finally, we detect tentative radial density gradients in the surface accretion shocks, leading to lags in the appearance of light curve brightness features as a function of wavelength that can amount to ~7%-30% of the rotation period.