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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 FHA Mortgage Bank Lenders in Mississippi
Updated February 6, 2026
Market Overview
22
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 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,815 | +0.293% | 1,336 | |
2 | BankPlus | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,170 | +0.118% | 753 | |
3 | Community Bank of Mississippi | Exceptional | Strong | Strong | Strong | Exceptional | $1,884 | +0.466% | 971 | |
4 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,814 | +0.360% | 1,994 | |
5 | Renasant Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,174 | +0.440% | 772 | |
6 | Eagle Bank and Trust Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,143 | +0.344% | 175 | |
7 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,609 | +0.219% | 162 | |
8 | Origin Bank | Exceptional | Strong | Strong | Strong | Strong | $761 | +0.384% | 130 | |
9 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Strong | $1,300 | +0.146% | 114 | |
10 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Strong | $2,559 | +0.071% | 69 | |
11 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,763 | +0.488% | 667 | |
12 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,061 | +0.298% | 495 | |
13 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $3,071 | +0.485% | 193 | |
14 | FIDELITY BANK | Strong | Sound | Exceptional | Strong | Strong | $2,188 | +0.559% | 139 | |
15 | Magnolia Bank, Incorporated | Strong | Sound | Strong | Strong | Strong | $2,643 | +0.300% | 290 | |
16 | The Citizens National Bank of Meridian | Strong | Strong | Sound | Sound | Strong | $983 | +0.339% | 173 | |
17 | Merchants & Marine Bank | Strong | Sound | Strong | Strong | Strong | $1,774 | +0.352% | 133 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,058 | +0.060% | 213 | |
19 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,227 | +0.225% | 143 |
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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