Safe Rate Rankings

Best Conventional Mortgage Lenders in Mississippi

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 Lenders153

Total Loans24,322

Median Rate Spread0.41%

Mississippi Market Insights

Dsld Mortgage is Safe Rate's top-ranked Conventional lender in Mississippi, leading on pricing, pullthrough, Conventional product expertise, and local knowledge.
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Mississippi, Dsld Mortgage and Navy Federal Credit Union scores highest on Conventional 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 #7 in Mississippi, 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 Mississippi: Rocket Mortgage (#3) and Trustmark National Bank (#2).

Explore Rankings by Type

Overall Rankings

All lenders in Mississippi

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By Institution Type

Banks Credit Unions Mortgage Companies

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	DSLD MORTGAGE, LLC Independent Mortgage CompanyDirect	Exceptional	Exceptional	Exceptional	Strong	Strong	$59Fees	0.372%Below	264
2	Trustmark National Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,814Fees	0.360%Above	1,994
3	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Exceptional	Exceptional	$3,780Fees	0.490%Above	2,014
4	BankPlus BankDirect	Strong	Strong	Strong	Strong	Exceptional	$1,170Fees	0.118%Above	753
5	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Exceptional	Sound	Strong	$792Fees	0.399%Below	332
6	Cadence Bank BankDirect	Strong	Sound	Exceptional	Strong	Exceptional	$1,815Fees	0.293%Above	1,336
7	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Exceptional	Strong	$2,626Fees	0.212%Above	682
8	GMFS LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Exceptional	Strong	$2,053Fees	0.384%Above	339
9	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$2,058Fees	0.060%Above	213
10	Renasant Bank BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Exceptional	$2,174Fees	0.440%Above	772
11	Liberty Credit UnionDirect	Strong	Strong	Exceptional	Strong	Sound	$1,203Fees	0.558%Above	67
12	CMG MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,882Fees	0.448%Above	497
13	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,061Fees	0.298%Above	495
14	COMMUNITY MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	Exceptional	$3,754Fees	0.171%Above	351
15	Regions Bank BankDirect	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,763Fees	0.488%Above	667
16	SWBC MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,738Fees	0.329%Above	388
17	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Strong	Strong	$3,469Fees	0.431%Above	197
18	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,541Fees	0.662%Above	191
19	BankFirst Financial Services BankDirect	Strong	—	Strong	Strong	Exceptional	—	—	258
20	Eagle Bank and Trust Company BankDirect	Strong	Sound	Strong	Strong	Strong	$3,143Fees	0.344%Above	175
21	HANCOCK WHITNEY BANK BankDirect	Strong	Strong	Strong	Strong	Strong	$1,609Fees	0.219%Above	162
22	Wells Fargo Bank, National Association BankDirect	Strong	Strong	Exceptional	Sound	Strong	$2,227Fees	0.225%Above	143
23	Origin Bank BankDirect	Strong	Sound	Strong	Strong	Strong	$761Fees	0.384%Above	130
24	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,392Fees	0.613%Above	476
25	GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,457Fees	0.538%Above	241
26	MORTGAGE INVESTORS GROUP, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$2,165Fees	0.497%Above	225
27	FIRST COLONY MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,306Fees	0.295%Above	135
28	First Horizon Bank BankDirect	Strong	Sound	Exceptional	Strong	Strong	$1,300Fees	0.146%Above	114
29	Community Bank of Mississippi BankDirect	Strong	Mediocre	Strong	Strong	Exceptional	$1,884Fees	0.466%Above	971
30	GUARANTEED RATE, INC. Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,776Fees	0.319%Above	191
31	FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,201Fees	0.412%Above	189
32	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,036Fees	0.519%Above	178
33	Citizens Bank BankDirect	Strong	—	Sound	Exceptional	Strong	—	—	136
34	TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$2,949Fees	0.433%Above	135
35	Pinnacle Bank BankDirect	Strong	Sound	Strong	Strong	Strong	$2,559Fees	0.071%Above	69
36	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,525Fees	0.036%Above	217
37	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Sound	$2,822Fees	0.453%Above	58
38	STOCKTON MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,513Fees	0.586%Above	407
39	KEESLER Credit UnionDirect	Strong	Strong	Sound	Sound	Exceptional	$575Fees	0.420%Below	364
40	Magnolia Bank, Incorporated BankDirect & Wholesale	Strong	Acceptable*	Strong	Strong	Strong	$2,643Fees	0.300%Above	290
41	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Exceptional	Sound	Strong	$2,315Fees	0.138%Below	161
42	PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	Strong	$3,689Fees	0.424%Above	127
43	MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Strong	Strong	Sound	Sound	$2,697Fees	0.264%Above	80
44	NEW AMERICAN FUNDING, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Sound	Strong	$3,217Fees	0.703%Above	331
45	PLANET HOME LENDING, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Strong	Strong	Strong	$2,850Fees	0.490%Above	178
46	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	Strong	$3,365Fees	0.400%Above	96
47	The First Bank BankDirect	Strong	—	Sound	Strong	Strong	—	—	192
48	The Citizens National Bank of Meridian BankDirect	Strong	Sound	Sound	Strong	Strong	$983Fees	0.339%Above	173
49	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Sound	Strong	$1,953Fees	0.731%Above	123
50	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Strong	Acceptable	Strong	Sound	Exceptional	$949Fees	0.535%Above	894

❓ Frequently Asked Questions

How are mortgage lenders ranked in Mississippi?+

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 Mississippi), 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 Mississippi?+

Based on 2024 HMDA data, 153 lenders originated a combined 24,322 loans in Mississippi. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Mississippi?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Mississippi is 0.41%. 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 Mississippi'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.