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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 VA Mortgage Bank Lenders in Mississippi
Updated February 6, 2026
Market Overview
20
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 | Exceptional | Strong | Strong | Exceptional | $1,170 | +0.118% | 753 | |
2 | Origin Bank | Exceptional | Exceptional | Strong | Exceptional | Strong | $761 | +0.384% | 130 | |
3 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,300 | +0.146% | 114 | |
4 | Trustmark National Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,814 | +0.360% | 1,994 | |
5 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,174 | +0.440% | 772 | |
6 | Eagle Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | Strong | $3,143 | +0.344% | 175 | |
7 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,058 | +0.060% | 213 | |
8 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,609 | +0.219% | 162 | |
9 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,621 | -0.040% | 138 | |
10 | Cadence Bank | Strong | Sound | Strong | Strong | Exceptional | $1,815 | +0.293% | 1,336 | |
11 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,061 | +0.298% | 495 | |
12 | Community Bank of Mississippi | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,884 | +0.466% | 971 | |
13 | Regions Bank | Strong | Sound | Strong | Sound | Exceptional | $1,763 | +0.488% | 667 | |
14 | Bank of England | Strong | Sound | Strong | Strong | Strong | $3,071 | +0.485% | 193 | |
15 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | Strong | $2,643 | +0.300% | 290 | |
16 | Merchants & Marine Bank | Strong | Sound | Sound | Strong | Strong | $1,774 | +0.352% | 133 | |
17 | The Citizens National Bank of Meridian | Strong | Sound | — | Sound | Strong | $983 | +0.339% | 173 | |
18 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | Strong | $2,188 | +0.559% | 139 |
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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