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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 Lenders in Mississippi
Updated February 6, 2026
Market Overview
153
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 | KEESLER | Exceptional | Exceptional | Strong | Strong | Exceptional | $575 | -0.420% | 364 | |
2 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Strong | $59 | -0.372% | 264 | |
3 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,815 | +0.293% | 1,336 | |
4 | BankPlus | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,170 | +0.118% | 753 | |
5 | Community Bank of Mississippi | Exceptional | Strong | Strong | Strong | Exceptional | $1,884 | +0.466% | 971 | |
6 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,053 | +0.384% | 339 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,082 | +0.436% | 242 | |
8 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,814 | +0.360% | 1,994 | |
9 | Renasant Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,174 | +0.440% | 772 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,626 | +0.212% | 682 | |
11 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,738 | +0.329% | 388 | |
12 | COMMUNITY MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,754 | +0.171% | 351 | |
13 | Eagle Bank and Trust Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,143 | +0.344% | 175 | |
14 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,609 | +0.219% | 162 | |
15 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,315 | -0.138% | 161 | |
16 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,949 | +0.433% | 135 | |
17 | Origin Bank | Exceptional | Strong | Strong | Strong | Strong | $761 | +0.384% | 130 | |
18 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Strong | $1,300 | +0.146% | 114 | |
19 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Strong | $2,559 | +0.071% | 69 | |
20 | Liberty | Exceptional | Strong | Exceptional | Strong | Sound | $1,203 | +0.558% | 67 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,780 | +0.490% | 2,014 | |
22 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,763 | +0.488% | 667 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,061 | +0.298% | 495 | |
24 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,165 | +0.497% | 225 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,469 | +0.431% | 197 | |
26 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $3,071 | +0.485% | 193 | |
27 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,850 | +0.490% | 178 | |
28 | FIDELITY BANK | Strong | Sound | Exceptional | Strong | Strong | $2,188 | +0.559% | 139 | |
29 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,306 | +0.295% | 135 | |
30 | Magnolia Bank, Incorporated | Strong | Sound | Strong | Strong | Strong | $2,643 | +0.300% | 290 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,525 | +0.036% | 217 | |
32 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,541 | +0.662% | 191 | |
33 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,201 | +0.412% | 189 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,036 | +0.519% | 178 | |
35 | The Citizens National Bank of Meridian | Strong | Strong | Sound | Sound | Strong | $983 | +0.339% | 173 | |
36 | Merchants & Marine Bank | Strong | Sound | Strong | Strong | Strong | $1,774 | +0.352% | 133 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,689 | +0.424% | 127 | |
38 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,953 | +0.731% | 123 | |
39 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $2,744 | +0.658% | 68 | |
40 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | Strong | $2,729 | +0.589% | 52 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $949 | +0.535% | 894 | |
42 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,882 | +0.448% | 497 | |
43 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,513 | +0.586% | 407 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,457 | +0.538% | 241 | |
45 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,058 | +0.060% | 213 | |
46 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,776 | +0.319% | 191 | |
47 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,383 | +0.683% | 157 | |
48 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,227 | +0.225% | 143 | |
49 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,365 | +0.400% | 96 | |
50 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,825 | +0.913% | 93 |
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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