Safe Rate Rankings

Best FHA Mortgage Lenders in Hattiesburg

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders36

Total Loans1,242

Median Rate Spread0.28%

Hattiesburg Market Insights

Trustmark National Bank is Safe Rate's top-ranked FHA lender in Hattiesburg, leading on pricing, pullthrough, FHA product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Hattiesburg, Keesler and Hancock Whitney Bank scores highest on FHA pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #3 in Hattiesburg, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Hattiesburg: Rocket Mortgage (#4) and Trustmark National Bank (#1).

Explore Rankings by Type

Overall Rankings

All lenders in Hattiesburg

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By Institution Type

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Trustmark National Bank BankDirect	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,713Fees	0.380%Above	183
2	Community Bank of Mississippi BankDirect	Strong	Strong	Strong	Strong	Strong	$2,274Fees	0.102%Above	56
3	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Exceptional	Strong	$2,243Fees	0.222%Above	52
4	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,600Fees	0.577%Above	104
5	Cadence Bank BankDirect	Strong	Strong	Exceptional	Strong	Strong	$1,685Fees	0.200%Above	51
6	GMFS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$1,760Fees	0.374%Above	36
7	HANCOCK WHITNEY BANK BankDirect	Strong	Strong	Strong	Strong	Strong	$1,301Fees	0.211%Above	36
8	KEESLER Credit UnionDirect	Strong	Exceptional	Strong	Strong	Sound	$662Fees	0.460%Below	14
9	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Strong	Strong	$2,557Fees	0.222%Below	34
10	FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$1,548Fees	0.337%Above	33
11	Merchants & Marine Bank BankDirect	Strong	Sound	Strong	Strong	Exceptional	$1,996Fees	0.355%Above	82
12	Regions Bank BankDirect	Strong	Sound	Exceptional	Sound	Strong	$1,832Fees	0.290%Above	53
13	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Strong*	Exceptional	Sound	Sound	$1,517Fees	0.092%Below	13
14	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Sound	$1,690Fees	0.084%Above	14
15	The First Bank BankDirect	Strong	—	Strong	Strong	Strong	—	—	51
16	PriorityOne Bank BankDirect	Strong	—	Strong	Strong	Strong	—	—	26
17	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Exceptional	Exceptional	Sound	$1,995Fees	0.443%Above	18
18	BankFirst Financial Services BankDirect	Strong	—	Strong	Strong	Strong	—	—	26
19	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,031Fees	0.622%Above	23
20	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Strong	Strong	$2,505Fees	0.434%Above	33
21	Hamilton Mortgage Corporation Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Strong	Sound	$3,006Fees	0.565%Above	20
22	STOCKTON MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$3,815Fees	0.449%Above	25
23	The Citizens National Bank of Meridian BankDirect	Sound	Strong	Sound	Sound	Strong	$1,035Fees	0.065%Above	33
24	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Sound	Strong	$3,254Fees	0.751%Above	33
25	Equity Prime Mortgage LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	Sound	$4,343Fees	1.443%Above	11
26	Grand Bank for Savings, FSB BankDirect & Wholesale	Sound	Acceptable*	Sound	Strong	Strong	$990Fees	0.414%Above	23

❓ Frequently Asked Questions

How are mortgage lenders ranked in Hattiesburg, MS?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Hattiesburg, MS), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Hattiesburg, MS?+

Based on 2024 HMDA data, 36 lenders originated a combined 1,242 loans in Hattiesburg, MS. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Hattiesburg, MS?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Hattiesburg, MS is 0.28%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Hattiesburg, MS's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.