# Trustmark National Bank

> **Canonical URL:** https://saferate.com/lenders/trustmark-national-bank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Trustmark National Bank is a bank, headquartered in Jackson, MS, serving borrowers across 12 states, with 4,669 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 50% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 15% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 01J4SO3XTWZF4PP38209
- **Headquarters:** Jackson, MS
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** AL, AR, FL, GA, KY, LA, MO, MS, NC, SC, TN, TX
- **Markets (MSAs):** 22
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 84.6%
- **Brokered/Wholesale:** 15.4%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 50/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 85/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.277%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,785
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 4,669
- **Dollar Volume:** $1.3 billion
- **Applications Received:** 6,188
- **Market Share:** 13.00%

## Typical Borrower Profile

- **Average Loan Amount:** $288,405
- **Average Borrower Income:** $132,193
- **Average Property Value:** $359,633

## Safe Rate Awards 🏆

- 💎 **USDA Diamond Champion** (84%)
- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **VA Gold Superstar** (76%)
- ⭐ **Jumbo Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 85/100 | 2,557 | +0.254% | $1,825 | Exceptional 🤩 |
| FHA | 87/100 | 1,405 | +0.534% | $1,837 | Exceptional 🤩 |
| VA | 83/100 | 463 | -0.243% | $1,580 | Exceptional 🤩 |
| Jumbo | 83/100 | 127 | -0.204% | $1,064 | Exceptional 🤩 |
| USDA | 87/100 | 117 | -0.162% | $1,605 | Exceptional 🤩 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 2,311 loans, Score: 85/100 (Exceptional)
- Refinance: 246 loans, Score: 77/100 (Strong)

**FHA:**
- Purchase: 1,372 loans, Score: 87/100 (Exceptional)
- Refinance: 33 loans, Score: 74/100 (Strong)

**VA:**
- Purchase: 451 loans, Score: 84/100 (Exceptional)

**Jumbo:**
- Purchase: 110 loans, Score: 82/100 (Exceptional)

**USDA:**
- Purchase: 117 loans, Score: 87/100 (Exceptional)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 87/100 | 4,361 | $1.3B | +0.270% | Exceptional 🤩 |
| Refinance | 77/100 | 308 | $89M | +0.365% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MS | 1,994 | 7.99% | 100/100 |
| AL | 1,916 | 3.20% | 100/100 |
| FL | 259 | 0.09% | 62/100 |
| TX | 169 | 0.05% | 58/100 |
| TN | 136 | 0.15% | 62/100 |
| SC | 112 | 0.14% | 63/100 |
| GA | 44 | 0.03% | 48/100 |
| LA | 24 | 0.07% | 46/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 811 | 75/100 |
| Jackson, MS | MS | 718 | 100/100 |
| Montgomery, AL | AL | 359 | 100/100 |
| Birmingham, AL | AL | 335 | 91/100 |
| Memphis, TN |  | 335 | 82/100 |
| Huntsville, AL | AL | 287 | 89/100 |
| Mobile, AL | AL | 276 | 100/100 |
| Gulfport | MS | 227 | 91/100 |
| Hattiesburg, MS | MS | 183 | 100/100 |
| Daphne | AL | 165 | 81/100 |
| Florence | AL | 160 | 90/100 |
| Houston | TX | 149 | 64/100 |
| Panama City | FL | 146 | 83/100 |
| Auburn | AL | 140 | 90/100 |
| Crestview | FL | 74 | 72/100 |

## Where This Lender Ranks

Trustmark National Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Mississippi for USDA Loans
  - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Mississippi for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/mississippi/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Alabama Banks
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/banks)
- 🥇 **#1** in Alabama for USDA Loans
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Alabama for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/alabama/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Jackson, MS for USDA Loans
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Jackson, MS for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/jackson-ms/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Montgomery, AL
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders)
- 🥇 **#1** in Montgomery, AL Banks
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/banks)
- 🥇 **#1** in Montgomery, AL for Conventional Loans
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** in Montgomery, AL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/banks/conventional-loans)
- 🥇 **#1** in Montgomery, AL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/banks/fha-loans)
- 🥇 **#1** in Montgomery, AL for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/banks/va-loans)
- 🥇 **#1** in Montgomery, AL for Jumbo Loans
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Montgomery, AL for Jumbo Loans (Banks)
  - [View Full Rankings](https://saferate.com/montgomery-al/best-mortgage-lenders/banks/jumbo-loans)
- 🥇 **#1** in Birmingham, AL for USDA Loans
  - [View Full Rankings](https://saferate.com/birmingham-al/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Birmingham, AL for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/birmingham-al/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Huntsville, AL for USDA Loans
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/usda-loans)
- 🥇 **#1** in Huntsville, AL for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/huntsville-al/best-mortgage-lenders/banks/usda-loans)
- 🥇 **#1** in Mobile, AL
  - [View Full Rankings](https://saferate.com/mobile-al/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Trustmark National Bank offer?

Trustmark National Bank offers the following mortgage loan types: FHA, Conventional, VA, Jumbo, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Trustmark National Bank offer mortgages?

Trustmark National Bank offers mortgages in 12 states: AL, AR, FL, GA, KY, LA, MO, MS, NC, SC, TN, TX.

### How competitive are Trustmark National Bank's mortgage rates?

Trustmark National Bank has a pricing score of 50/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.277% above market average.

### What type of lender is Trustmark National Bank?

Trustmark National Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Jackson, MS.

### What is Trustmark National Bank's loan approval success rate?

Trustmark National Bank has a pull-through score of 85/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/trustmark-national-bank

### How to Cite

> "Trustmark National Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/trustmark-national-bank

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