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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Bank Lenders in Mississippi
Updated February 6, 2026
Market Overview
25
Total Lenders
24,322
Total Loans
0.41%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | BankPlus | Exceptional | Strong | Strong | Strong | Exceptional | $1,170 | +0.118% | 753 | |
2 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,814 | +0.360% | 1,994 | |
3 | Cadence Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,815 | +0.293% | 1,336 | |
4 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,609 | +0.219% | 162 | |
5 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,227 | +0.225% | 143 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,058 | +0.060% | 213 | |
7 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,300 | +0.146% | 114 | |
8 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,174 | +0.440% | 772 | |
9 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,763 | +0.488% | 667 | |
10 | Eagle Bank and Trust Company | Strong | Sound | Strong | Strong | Strong | $3,143 | +0.344% | 175 | |
11 | Origin Bank | Strong | Sound | Strong | Strong | Strong | $761 | +0.384% | 130 | |
12 | Pinnacle Bank | Strong | Sound | Strong | Strong | Strong | $2,559 | +0.071% | 69 | |
13 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,061 | +0.298% | 495 | |
14 | The Citizens National Bank of Meridian | Strong | Sound | Sound | Strong | Strong | $983 | +0.339% | 173 | |
15 | Merchants & Marine Bank | Strong | Sound | Sound | Strong | Strong | $1,774 | +0.352% | 133 | |
16 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Strong | $2,643 | +0.300% | 290 | |
17 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | Strong | $2,188 | +0.559% | 139 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $1,621 | -0.040% | 138 | |
19 | Community Bank of Mississippi | Strong | Mediocre | Strong | Strong | Exceptional | $1,884 | +0.466% | 971 | |
20 | Bank of England | Strong | Acceptable | Strong | Sound | Strong | $3,071 | +0.485% | 193 |
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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.
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