Mortgage Lenders and Brokers in Columbia, 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
Columbia, Mississippi mortgage lenders include Citizens BankCitizens Bank814 Main St, Columbia, MS 39429A+5.0 ★Texas Ratio: 2.03%, Trustmark BankTrustmark Bank709 Main St, Columbia, MS 39429A+5.0 ★Texas Ratio: 2.40%, First Southern BankFirst Southern Bank1075 Highway 98 Byp, Columbia, MS 39429A+5.0 ★Texas Ratio: 0.47%, BankplusBankplus428 Sumrall Rd, Columbia, MS 39429A+5.0 ★Texas Ratio: 4.80%, Ferguson Federal Credit UnionFerguson Federal Credit Union519 HIGHWAY 98 BYP, COLUMBIA, MS 39429C+4.2 ★Texas Ratio: 24.39%, Regions BankRegions Bank1000 Highway 13 N, Columbia, MS 39429A+5.0 ★Texas Ratio: 4.37%, Hope Federal Credit UnionHope Federal Credit Union188 Porter Ave, Biloxi, MS 39530 3724, PriorityOne BankPriorityOne Bank1400 W Government St, Brandon, MS 39042A5.0 ★Texas Ratio: 12.03%, First BankFirst Bank200 S Whitworth Ave, Brookhaven, MS 39601A5.0 ★Texas Ratio: 7.61%, and Cadence BankCadence Bank107 Highway 145 N, Aberdeen, MS 39730. 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 Columbia, Mississippi in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Columbia 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 Columbia, Mississippi
Market share is the lender's share of all home loans closed in Columbia, 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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1 office in Columbia 814 Main St, Columbia, MS 39429 A+5.0 ★Texas Ratio: 2.03% |
Conventional, FHA, USDA | 85 | 30.9% | 94.8% | $113,705 | View |
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2 offices in Columbia 709 Main St, Columbia, MS 39429 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, USDA, HELOC | 20 +18 HELOCs |
7.3% | 84% | $112,000 | View |
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1075 Highway 98 Byp, Columbia, MS 39429 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 17 | 6.2% | 100% | $101,470 | View |
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1 office in Columbia 428 Sumrall Rd, Columbia, MS 39429 A+5.0 ★Texas Ratio: 4.80% |
Conventional, FHA, HELOC | 7 +4 HELOCs |
2.5% | 70% | $55,000 | View |
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519 HIGHWAY 98 BYP, COLUMBIA, MS 39429 C+4.2 ★Texas Ratio: 24.39% |
Conventional | 3 | 1.1% | 85.7% | $81,666 | View |
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1 office in Columbia 1000 Highway 13 N, Columbia, MS 39429 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 2 | 0.7% | 21.4% | $25,000 | View |
Hope Federal Credit Union
188 Porter Ave, Biloxi, MS 39530 3724 |
Conventional | 5 | 1.8% | 83.3% | $81,000 | |
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1400 W Government St, Brandon, MS 39042 A5.0 ★Texas Ratio: 12.03% |
Conventional, FHA, HELOC | 4 +1 HELOCs |
1.5% | 100% | $322,500 | View |
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200 S Whitworth Ave, Brookhaven, MS 39601 A5.0 ★Texas Ratio: 7.61% |
Conventional | 3 | 1.1% | 100% | $75,000 | View |
Cadence Bank
107 Highway 145 N, Aberdeen, MS 39730 |
Conventional, VA | 2 | 0.7% | 100% | $270,000 | |
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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 | 2 | 0.7% | 100% | $140,000 | View |
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204 Westover Dr, Hattiesburg, MS 39402 A5.0 ★Texas Ratio: 7.49% |
Conventional | 2 | 0.7% | 100% | $20,000 | View |
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814 Main St, Columbia, MS 39429 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 2 | 0.7% | 100% | $110,000 | View |
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408 Highway 90, Bay Saint Louis, MS 39520 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 1 | 0.4% | 100% | $15,000 | View |
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315 Ridge Way, Flowood, MS 39232 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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★ 5 stars, 1 review 500 E Commerce St, Hernando, MS 38632 A+5.0 ★Texas Ratio: 5.76% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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102 Plaza Drive, Brandon, MS 39047 A5.0 ★Texas Ratio: 7.13% |
FHA | 1 | 0.4% | 100% | $345,000 | View |
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1200 Highway 90, Gautier, MS 39553 A5.0 ★Texas Ratio: 9.99% |
USDA | 1 | 0.4% | 50% | $255,000 | View |
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902 Highway 278 E, Amory, MS 38821 A+5.0 ★Texas Ratio: 3.09% |
USDA | 1 | 0.4% | 100% | $155,000 | View |
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2675 Pass Rd, Biloxi, MS 39531 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.4% | 100% | $105,000 | View |
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2602 Pass Rd, Biloxi, MS 39531 2728 A+5.0 ★Texas Ratio: 5.02% |
HELOC | 0 +4 HELOCs |
0% | 0% | View | |
Rocket Mortgage
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Conventional, FHA, VA | 16 | 5.8% | 80% | $170,625 | |
21St Mortgage
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Conventional | 11 | 4% | 24.4% | $97,727 | |
Triad Financial Services, Inc.
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Conventional | 8 | 2.9% | 59.1% | $85,000 | |
Mortgage Research Center
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Conventional, FHA, VA | 8 | 2.9% | 61.5% | $168,750 | |
Guild Mortgage Company
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Conventional, FHA, USDA | 6 | 2.2% | 100% | $86,666 | |
New American Funding, LLC.
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Conventional, FHA, VA | 5 | 1.8% | 62.5% | $169,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional, FHA | 4 | 1.5% | 100% | $232,500 | View |
Gmfs, LLC
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Conventional, FHA, USDA | 4 | 1.5% | 80% | $177,500 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 3 | 1.1% | 29.4% | $141,666 | |
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A5.0 ★Texas Ratio: 12.33% |
Conventional, FHA | 2 | 0.7% | 100% | $170,000 | View |
First Community Mortgage, Inc.
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Conventional, USDA | 2 | 0.7% | 100% | $145,000 | |
United Wholesale Mortgage
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Conventional, VA | 2 | 0.7% | 66.7% | $325,000 | |
Royal United Mortgage LLC
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Conventional | 2 | 0.7% | 100% | $85,000 | |
Freedom Mortgage Corporation
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VA | 2 | 0.7% | 33.3% | $165,000 | |
Newrez LLC
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Conventional, VA | 2 | 0.7% | 50% | $160,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.7% | 66.7% | $180,000 | |
CrossCountry Mortgage, LLC
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Conventional, USDA | 2 | 0.7% | 100% | $155,000 | |
Pennymac Loan Services LLC
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FHA | 2 | 0.7% | 100% | $200,000 | |
loanDepot.com LLC
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Conventional, FHA | 2 | 0.7% | 100% | $40,000 | |
Ameritrust Mortgage Corporation
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USDA | 2 | 0.7% | 100% | $205,000 | |
Southwest Stage Funding LLC
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Conventional | 2 | 0.7% | 60% | $80,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.4% | 100% | $155,000 | View |
American Financial Resources LLC
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Conventional | 1 | 0.4% | 100% | $165,000 | |
PHH Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $225,000 | |
Amerisave Mortgage Company
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FHA | 1 | 0.4% | 16.7% | $135,000 | |
Cmg Mortgage Inc
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FHA | 1 | 0.4% | 100% | $125,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.4% | 50% | $155,000 | |
First Colony Mortgage Corporat
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Conventional | 1 | 0.4% | 100% | $105,000 | |
Cardinal Financial Company, Li
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VA | 1 | 0.4% | 100% | $235,000 | |
New Day Financial, LLC.
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VA | 1 | 0.4% | 50% | $135,000 | |
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A+5.0 ★Texas Ratio: 2.20% |
FHA | 1 | 0.4% | 100% | $35,000 | View |
Synergy Bank
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Conventional | 1 | 0.4% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 0.90% |
FHA | 1 | 0.4% | 100% | $295,000 | View |
Stockton Mortgage Corporation
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FHA | 1 | 0.4% | 100% | $415,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.4% | 100% | $75,000 | |
Thrivent Federal Credit Union
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Conventional | 1 | 0.4% | 100% | $75,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.4% | 100% | $175,000 | |
Mutual of Omaha Mortgage
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VA | 1 | 0.4% | 100% | $225,000 | |
CSL Financial, LLC
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Conventional | 1 | 0.4% | 100% | $215,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 0.4% | 100% | $145,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.4% | 100% | $335,000 | View |
Paramount Residential Mortgage
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FHA | 1 | 0.4% | 100% | $245,000 | |
Plaza Home Mortgage, Inc
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VA | 1 | 0.4% | 100% | $165,000 | |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.4% | 100% | $445,000 | |
Southwest Funding LP
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FHA | 1 | 0.4% | 100% | $435,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 100% | $75,000 |
Columbia 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 Columbia, Mississippi
Looking for mortgage lenders near me or mortgage brokers near me in Columbia? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Columbia in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Columbia, MS
Use these to narrow the list above. Each category shows how many Columbia, MS lenders fit and what that kind of lender is usually best for.
Who Lends in Columbia, MS
Independent mortgage companies closed 36.4 percent of home loans in Columbia, Mississippi in 2025, banks 60.4 percent and credit unions 3.3 percent. Rocket Mortgage was the largest mortgage company, Citizens Bank the largest bank and Ferguson Federal Credit Union the largest credit union. Among lenders headquartered in Mississippi, Citizens Bank led with 85 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 Columbia, MS
By home loans closed in 2025, Citizens Bank was the largest mortgage lender in Columbia, Mississippi with 85 loans, about 30.9 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Columbia, Mississippi, Citizens Bank approved the highest share of completed applications in 2025 at 94.8 percent, against a 72.6 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
25 lenders closed FHA loans in Columbia, Mississippi in 2025, led by Trustmark Bank with 8. 15 lenders closed VA loans, led by Mortgage Research Center, and 9 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. 26 banks and 4 credit unions closed home loans in Columbia, Mississippi in 2025, alongside 37 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 Columbia, 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 Columbia, 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 Columbia. 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.
