Mortgage Lenders and Brokers in Decatur, 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
Decatur, Mississippi mortgage lenders include Great Southern BankGreat Southern Bank15122 Highway 15, Decatur, MS 39327A5.0 ★Texas Ratio: 7.29%, BankFirst Financial ServicesBankFirst Financial Services28 Highway 528, Bay Springs, MS 39422A+5.0 ★Texas Ratio: 3.47%, Community Bank of MississippiCommunity Bank of Mississippi902 Highway 278 E, Amory, MS 38821A+5.0 ★Texas Ratio: 3.09%, The Citizens BankThe Citizens Bank814 Main St, Columbia, MS 39429A+5.0 ★Texas Ratio: 5.44%, BankplusBankplus202 E Jackson St, Belzoni, MS 39038A+5.0 ★Texas Ratio: 4.80%, Trustmark BankTrustmark Bank935 Lodge St, Beaumont, MS 39423A+5.0 ★Texas Ratio: 2.40%, Cadence BankCadence Bank107 Highway 145 N, Aberdeen, MS 39730, Citizens National Bank of MeridianCitizens National Bank of Meridian102 Plaza Drive, Brandon, MS 39047A5.0 ★Texas Ratio: 7.13%, Renasant BankRenasant Bank103 E Washington St, Aberdeen, MS 39730A+5.0 ★Texas Ratio: 4.72%, and Bank of ForestBank of Forest1698 Old Fannin Rd, Flowood, MS 39232A5.0 ★Texas Ratio: 8.43%. 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 Decatur, Mississippi in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Decatur 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 Decatur, Mississippi
Market share is the lender's share of all home loans closed in Decatur, 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 Decatur 15122 Highway 15, Decatur, MS 39327 A5.0 ★Texas Ratio: 7.29% |
Conventional | 10 | 23.3% | 90.9% | $71,000 | View |
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28 Highway 528, Bay Springs, MS 39422 A+5.0 ★Texas Ratio: 3.47% |
Conventional, FHA, HELOC | 6 +1 HELOCs |
14% | 100% | $113,333 | View |
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902 Highway 278 E, Amory, MS 38821 A+5.0 ★Texas Ratio: 3.09% |
Conventional | 4 | 9.3% | 100% | $145,000 | View |
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814 Main St, Columbia, MS 39429 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 3 | 7% | 100% | $101,666 | View |
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202 E Jackson St, Belzoni, MS 39038 A+5.0 ★Texas Ratio: 4.80% |
Conventional | 2 | 4.7% | 66.7% | $70,000 | View |
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935 Lodge St, Beaumont, MS 39423 A+5.0 ★Texas Ratio: 2.40% |
Conventional, HELOC | 1 +2 HELOCs |
2.3% | 100% | $225,000 | View |
Cadence Bank
107 Highway 145 N, Aberdeen, MS 39730 |
FHA, HELOC | 1 +1 HELOCs |
2.3% | 100% | $145,000 | |
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102 Plaza Drive, Brandon, MS 39047 A5.0 ★Texas Ratio: 7.13% |
USDA | 1 | 2.3% | 100% | $145,000 | View |
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103 E Washington St, Aberdeen, MS 39730 A+5.0 ★Texas Ratio: 4.72% |
USDA | 1 | 2.3% | 100% | $185,000 | View |
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1698 Old Fannin Rd, Flowood, MS 39232 A5.0 ★Texas Ratio: 8.43% |
Conventional | 1 | 2.3% | 100% | $225,000 | View |
Rocket Mortgage
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FHA, VA | 3 | 7% | 60% | $255,000 | |
21St Mortgage
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Conventional | 2 | 4.7% | 22.2% | $80,000 | |
First Community Mortgage, Inc.
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Conventional | 1 | 2.3% | 100% | $65,000 | |
American Financial Resources LLC
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Conventional | 1 | 2.3% | 100% | $135,000 | |
Newrez LLC
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VA | 1 | 2.3% | 100% | $175,000 | |
Triad Financial Services, Inc.
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Conventional | 1 | 2.3% | 50% | $115,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 2.3% | 100% | $175,000 | |
Cardinal Financial Company, Li
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FHA | 1 | 2.3% | 100% | $275,000 | |
Mortgage Research Center
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VA | 1 | 2.3% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 2.3% | 50% | $95,000 |
Decatur 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 Decatur, Mississippi
Looking for mortgage lenders near me or mortgage brokers near me in Decatur? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Decatur in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Decatur, MS
Use these to narrow the list above. Each category shows how many Decatur, MS lenders fit and what that kind of lender is usually best for.
Who Lends in Decatur, MS
Independent mortgage companies closed 25.6 percent of home loans in Decatur, Mississippi in 2025, banks 72.1 percent and credit unions 2.3 percent. Rocket Mortgage was the largest mortgage company, Great Southern Bank the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Mississippi, Great Southern Bank led with 10 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 Decatur, MS
By home loans closed in 2025, Great Southern Bank was the largest mortgage lender in Decatur, Mississippi with 10 loans, about 23.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
5 lenders closed FHA loans in Decatur, Mississippi in 2025, led by BankFirst Financial Services with 2. 3 lenders closed VA loans, led by Rocket Mortgage, and 2 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. 11 banks and 1 credit unions closed home loans in Decatur, Mississippi in 2025, alongside 8 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 Decatur, 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 Decatur, 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 Decatur. 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.
