Mortgage Lenders and Brokers in Bay St. Louis, Mississippi
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Bay St. Louis, Mississippi mortgage lenders include Regions BankRegions Bank8899 Ms Highway 15, Ackerman, MS 39735A+5.0 ★Texas Ratio: 4.37%, Keesler Federal Credit UnionKeesler Federal Credit Union2602 Pass Rd, Biloxi, MS 39531 2728A+5.0 ★Texas Ratio: 5.02%, Hancock Whitney BankHancock Whitney Bank100 S Beach Blvd, Bay Saint Louis, MS 39520A+5.0 ★Texas Ratio: 3.41%, Cadence BankCadence Bank107 Highway 145 N, Aberdeen, MS 39730, BankplusBankplus202 E Jackson St, Belzoni, MS 39038A+5.0 ★Texas Ratio: 4.80%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA315 Ridge Way, Flowood, MS 39232A+5.0 ★Texas Ratio: 3.68%, Trustmark BankTrustmark Bank935 Lodge St, Beaumont, MS 39423A+5.0 ★Texas Ratio: 2.40%, Renasant BankRenasant Bank103 E Washington St, Aberdeen, MS 39730A+5.0 ★Texas Ratio: 4.72%, Community Bank of MississippiCommunity Bank of Mississippi902 Highway 278 E, Amory, MS 38821A+5.0 ★Texas Ratio: 3.09%, and PriorityOne BankPriorityOne Bank1400 W Government St, Brandon, MS 39042A5.0 ★Texas Ratio: 12.03%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Bay St. Louis, Mississippi in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Bay St. Louis are listed first, then lenders elsewhere in Mississippi, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Bay St. Louis, Mississippi
Market share is the lender's share of all home loans closed in Bay St. Louis, Mississippi. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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8899 Ms Highway 15, Ackerman, MS 39735 A+5.0 ★Texas Ratio: 4.37% |
Conventional, Jumbo, HELOC | 12 +4 HELOCs |
5.1% | 80% | $382,500 | View |
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2602 Pass Rd, Biloxi, MS 39531 2728 A+5.0 ★Texas Ratio: 5.02% |
Conventional, FHA, HELOC | 9 +10 HELOCs |
3.8% | 83.3% | $271,666 | View |
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★ 4 stars, 3 reviews 100 S Beach Blvd, Bay Saint Louis, MS 39520 A+5.0 ★Texas Ratio: 3.41% |
Conventional, HELOC | 7 +4 HELOCs |
3% | 100% | $346,428 | View |
Cadence Bank
107 Highway 145 N, Aberdeen, MS 39730 |
Conventional, HELOC | 6 +2 HELOCs |
2.5% | 100% | $413,333 | |
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202 E Jackson St, Belzoni, MS 39038 A+5.0 ★Texas Ratio: 4.80% |
Conventional, HELOC | 6 +1 HELOCs |
2.5% | 100% | $311,666 | View |
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315 Ridge Way, Flowood, MS 39232 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 5 +1 HELOCs |
2.1% | 100% | $151,000 | View |
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935 Lodge St, Beaumont, MS 39423 A+5.0 ★Texas Ratio: 2.40% |
Conventional, HELOC | 5 +1 HELOCs |
2.1% | 100% | $353,000 | View |
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103 E Washington St, Aberdeen, MS 39730 A+5.0 ★Texas Ratio: 4.72% |
Conventional, HELOC | 4 +1 HELOCs |
1.7% | 100% | $495,000 | View |
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902 Highway 278 E, Amory, MS 38821 A+5.0 ★Texas Ratio: 3.09% |
Conventional, HELOC | 3 +2 HELOCs |
1.3% | 100% | $291,666 | View |
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1400 W Government St, Brandon, MS 39042 A5.0 ★Texas Ratio: 12.03% |
Conventional, HELOC | 3 +1 HELOCs |
1.3% | 100% | $188,333 | View |
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16230 Highway 603, Kiln, MS 39556 A5.0 ★Texas Ratio: 7.31% |
Conventional | 3 | 1.3% | 100% | $178,333 | View |
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★ 5 stars, 1 review 500 E Commerce St, Hernando, MS 38632 A+5.0 ★Texas Ratio: 5.76% |
Conventional, HELOC | 2 +1 HELOCs |
0.8% | 100% | $255,000 | View |
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★ 1 stars, 1 review 7427 Goodman Rd, Olive Branch, MS 38654 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 2 +1 HELOCs |
0.8% | 100% | $150,000 | View |
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408 Highway 90, Bay Saint Louis, MS 39520 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 2 | 0.8% | 100% | $260,000 | View |
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28 Highway 528, Bay Springs, MS 39422 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 1 | 0.4% | 100% | $255,000 | View |
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295 Highway 90 Ste 27, Bay St Louis, MS 39520 3600 A+5.0 ★Texas Ratio: 4.35% |
Conventional | 1 | 0.4% | 33.3% | $145,000 | View |
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1200 Highway 90, Gautier, MS 39553 A5.0 ★Texas Ratio: 9.99% |
Conventional | 1 | 0.4% | 100% | $365,000 | View |
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1075 Highway 98 Byp, Columbia, MS 39429 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.4% | 100% | $335,000 | View |
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710 Main St, Collins, MS 39428 B4.4 ★Texas Ratio: 21.68% |
Conventional | 1 | 0.4% | 100% | $455,000 | View |
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814 Main St, Columbia, MS 39429 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
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2364 Buckatunna Chicora Clara Rd, Buckatunna, MS 39322 A5.0 ★Texas Ratio: 10.01% |
Conventional | 1 | 0.4% | 100% | $295,000 | View |
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1450 West Government Street, Brandon, MS 39042 A5.0 ★Texas Ratio: 6.66% |
Conventional | 1 | 0.4% | 100% | $165,000 | View |
DSLD Mortgage LLC
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Conventional, VA | 20 | 8.4% | 100% | $269,500 | |
Rocket Mortgage
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Conventional, FHA, VA | 10 | 4.2% | 76.9% | $156,000 | |
Cmg Mortgage Inc
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Conventional, FHA, VA | 10 | 4.2% | 78.6% | $309,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 8 | 3.4% | 66.7% | $385,000 | |
Gulf Coast Bank and Trust
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Conventional, FHA | 8 | 3.4% | 100% | $445,000 | |
New American Funding, LLC.
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Conventional, FHA, HELOC | 7 +1 HELOCs |
3% | 100% | $347,857 | |
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A5.0 ★Texas Ratio: 12.33% |
Conventional, FHA | 5 | 2.1% | 100% | $413,000 | View |
Newrez LLC
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Conventional, VA | 4 | 1.7% | 100% | $237,500 | |
Kind Lending, LLC
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Conventional | 4 | 1.7% | 66.7% | $400,000 | |
Planet Home Lending, LLC
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FHA | 4 | 1.7% | 100% | $357,500 | |
Gmfs, LLC
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Conventional, FHA | 4 | 1.7% | 100% | $275,000 | |
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A5.0 ★Texas Ratio: 9.53% |
Conventional, Jumbo | 3 | 1.3% | 100% | $678,333 | View |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 3 | 1.3% | 100% | $248,333 | |
Amerisave Mortgage Company
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Conventional, VA | 3 | 1.3% | 42.9% | $145,000 | |
Eustis Mortgage Corp
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Conventional, FHA | 3 | 1.3% | 100% | $338,333 | |
Mortgage Research Center
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Conventional, VA | 3 | 1.3% | 33.3% | $225,000 | |
Mortgage Solutions of Colorado
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VA, USDA | 3 | 1.3% | 100% | $381,666 | |
Carrington Mortgage Services LLC
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Conventional | 3 | 1.3% | 50% | $238,333 | |
Freedom Mortgage Corporation
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FHA, VA | 2 | 0.8% | 75% | $325,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 0.8% | 100% | $175,000 | |
Movement Mortgage, LLC
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Conventional | 2 | 0.8% | 100% | $335,000 | |
Synergy One Lending, Inc.
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Conventional | 2 | 0.8% | 100% | $340,000 | |
Guild Mortgage Company
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Conventional | 2 | 0.8% | 100% | $335,000 | |
Resource Bank
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Conventional | 2 | 0.8% | 100% | $265,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA, Jumbo | 2 | 0.8% | 100% | $790,000 | View |
The Mortgage Firm
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Conventional, VA | 2 | 0.8% | 100% | $270,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 2 | 0.8% | 100% | $140,000 | |
CrossCountry Mortgage, LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $305,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $125,000 | View |
Arc Home LLC
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Conventional | 1 | 0.4% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 100% | $75,000 | View |
First Community Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $525,000 | |
Jd Bank
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Conventional | 1 | 0.4% | 100% | $375,000 | |
Gold Star Mortgage Financial Group, Corporation
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VA | 1 | 0.4% | 100% | $245,000 | |
Go Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $165,000 | |
Sage Home Loans Corporation
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Conventional, Jumbo | 1 | 0.4% | 100% | $945,000 | |
Xplore Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $445,000 | |
Deephaven Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Onpath Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Mortgage Financial Services
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Heritage Bank of St. Tammany
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Conventional | 1 | 0.4% | 100% | $305,000 | |
Click n' Close, Inc.
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Securitynational Mortgage Company
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FHA | 1 | 0.4% | 100% | $325,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 3.29% |
Conventional | 1 | 0.4% | 100% | $205,000 | View |
Cardinal Financial Company, Li
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FHA | 1 | 0.4% | 100% | $305,000 | |
New Orleans Firemen's Federal
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Conventional | 1 | 0.4% | 100% | $105,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.4% | 100% | $335,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.4% | 100% | $215,000 | View |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.4% | 100% | $755,000 | View |
Nationstar Mortgage
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Conventional | 1 | 0.4% | 50% | $65,000 | |
First National Bank USA
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Conventional | 1 | 0.4% | 100% | $395,000 | |
Member First Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $305,000 | |
First Guaranty Bank
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Conventional | 1 | 0.4% | 100% | $485,000 | |
EFCU Financial Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $365,000 | |
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A+5.0 ★Texas Ratio: 4.01% |
Conventional, Jumbo | 1 | 0.4% | 100% | $2,805,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $275,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.4% | 100% | $465,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.4% | 100% | $335,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 0.4% | 50% | $155,000 | |
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A5.0 ★Texas Ratio: 9.09% |
Conventional | 1 | 0.4% | 50% | $175,000 | View |
Texana Bank
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FHA | 1 | 0.4% | 100% | $185,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.4% | 100% | $275,000 | |
Hometrust Mortgage Company
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Conventional | 1 | 0.4% | 100% | $355,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Southern Energy Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Mission Loans, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Bay St. Louis Mortgage Rate Trends
Daily average mortgage rates for Mississippi compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Bay St. Louis, Mississippi
Looking for mortgage lenders near me or mortgage brokers near me in Bay St. Louis? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Bay St. Louis in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Bay St. Louis, MS
Use these to narrow the list above. Each category shows how many Bay St. Louis, MS lenders fit and what that kind of lender is usually best for.
Who Lends in Bay St. Louis, MS
Independent mortgage companies closed 50.6 percent of home loans in Bay St. Louis, Mississippi in 2025, banks 43 percent and credit unions 6.3 percent. DSLD Mortgage LLC was the largest mortgage company, Regions Bank the largest bank and Keesler Federal Credit Union the largest credit union. Among lenders headquartered in Mississippi, Keesler Federal Credit Union led with 9 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in Mississippi. None; Mississippi has no state real estate transfer tax or mortgage recording tax, only per page recording fees.
More Mississippi Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Bay St. Louis, MS
By home loans closed in 2025, Regions Bank was the largest mortgage lender in Bay St. Louis, Mississippi with 12 loans, about 5.1 percent of the market. The largest lender headquartered in Mississippi was Keesler Federal Credit Union with 9 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
17 lenders closed FHA loans in Bay St. Louis, Mississippi in 2025, led by Keesler Federal Credit Union with 4. 14 lenders closed VA loans, led by DSLD Mortgage LLC, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 40 banks and 8 credit unions closed home loans in Bay St. Louis, Mississippi in 2025, alongside 41 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Bay St. Louis, Mississippi during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Bay St. Louis, Mississippi for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Bay St. Louis. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
