Mortgage Lenders and Brokers in Oakland, 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
Oakland, Mississippi mortgage lenders include BankFirst Financial ServicesBankFirst Financial Services28 Highway 528, Bay Springs, MS 39422A+5.0 ★Texas Ratio: 3.47%, Regions BankRegions Bank8899 Ms Highway 15, Ackerman, MS 39735A+5.0 ★Texas Ratio: 4.37%, Renasant BankRenasant Bank103 E Washington St, Aberdeen, MS 39730A+5.0 ★Texas Ratio: 4.72%, First Security BankFirst Security Bank130 Highway 51 N, Batesville, MS 38606A+5.0 ★Texas Ratio: 4.91%, Cadence BankCadence Bank305 Oak St, Oakland, MS 38948, Guaranty Bank & Trust CompanyGuaranty Bank & Trust Company105 Main St S, Amory, MS 38821A-5.0 ★Texas Ratio: 14.15%, First Horizon BankFirst Horizon Bank500 E Commerce St, Hernando, MS 38632A+5.0 ★Texas Ratio: 5.76%, Paragon BankParagon Bank2401 South Lamar Boulevard, Oxford, MS 38655A+5.0 ★Texas Ratio: 3.21%, Bank of Holly SpringsBank of Holly Springs2 Business 7 N, Abbeville, MS 38601C+4.2 ★Texas Ratio: 24.96%, and Wells Fargo Bank NAWells Fargo Bank NA2675 Pass Rd, Biloxi, MS 39531A+5.0 ★Texas Ratio: 5.36%. 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 Oakland, Mississippi in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Oakland 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 Oakland, Mississippi
Market share is the lender's share of all home loans closed in Oakland, 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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28 Highway 528, Bay Springs, MS 39422 A+5.0 ★Texas Ratio: 3.47% |
Conventional, HELOC | 13 +2 HELOCs |
19.1% | 100% | $52,692 | View |
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8899 Ms Highway 15, Ackerman, MS 39735 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 3 +1 HELOCs |
4.4% | 50% | $105,000 | View |
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103 E Washington St, Aberdeen, MS 39730 A+5.0 ★Texas Ratio: 4.72% |
Conventional | 2 | 2.9% | 40% | $90,000 | View |
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130 Highway 51 N, Batesville, MS 38606 A+5.0 ★Texas Ratio: 4.91% |
Conventional | 2 | 2.9% | 100% | $430,000 | View |
Cadence Bank
305 Oak St, Oakland, MS 38948 |
Conventional, HELOC | 1 +2 HELOCs |
1.5% | 100% | $105,000 | |
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105 Main St S, Amory, MS 38821 A-5.0 ★Texas Ratio: 14.15% |
Conventional | 1 | 1.5% | 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% |
FHA | 1 | 1.5% | 100% | $355,000 | View |
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2401 South Lamar Boulevard, Oxford, MS 38655 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 1.5% | 100% | $95,000 | View |
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2 Business 7 N, Abbeville, MS 38601 C+4.2 ★Texas Ratio: 24.96% |
Conventional | 1 | 1.5% | 100% | $75,000 | View |
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2675 Pass Rd, Biloxi, MS 39531 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.5% | 100% | $115,000 | View |
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100 Fountains Blvd, Madison, MS 39110 A+5.0 ★Texas Ratio: 3.03% |
Conventional | 1 | 1.5% | 100% | $455,000 | View |
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202 E Jackson St, Belzoni, MS 39038 A+5.0 ★Texas Ratio: 4.80% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
First South Farm Credit, ACA
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Conventional | 1 | 1.5% | 100% | $185,000 | |
Triad Financial Services, Inc.
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Conventional | 7 | 10.3% | 73.3% | $96,428 | |
21St Mortgage
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Conventional | 5 | 7.4% | 66.7% | $117,000 | |
Rocket Mortgage
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Conventional, FHA | 4 | 5.9% | 100% | $87,500 | |
Cardinal Financial Company, Li
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FHA | 3 | 4.4% | 75% | $195,000 | |
Southwest Stage Funding LLC
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Conventional | 3 | 4.4% | 100% | $95,000 | |
Nations Lending Corporation
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Conventional, FHA | 2 | 2.9% | 100% | $95,000 | |
Mortgage Research Center
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VA | 2 | 2.9% | 100% | $165,000 | |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 2 | 2.9% | 42.9% | $115,000 | View |
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A5.0 ★Texas Ratio: 6.45% |
USDA | 1 | 1.5% | 100% | $245,000 | View |
United Wholesale Mortgage
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Conventional | 1 | 1.5% | 100% | $65,000 | |
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B+4.8 ★Texas Ratio: 17.16% |
Conventional | 1 | 1.5% | 100% | $165,000 | View |
Pennymac Loan Services LLC
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Conventional | 1 | 1.5% | 100% | $35,000 | |
New Day Financial, LLC.
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VA | 1 | 1.5% | 100% | $55,000 | |
Community Mortgage Corporation
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FHA | 1 | 1.5% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 5.33% |
Conventional | 1 | 1.5% | 100% | $605,000 | View |
New American Funding, LLC.
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Conventional | 1 | 1.5% | 100% | $305,000 | |
CSL Financial, LLC
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Conventional | 1 | 1.5% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 1 | 1.5% | 50% | $65,000 | |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 1.5% | 66.7% | $85,000 | |
Reliance First Capital, LLC
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FHA | 1 | 1.5% | 100% | $95,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Oakland 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 Oakland, Mississippi
Looking for mortgage lenders near me or mortgage brokers near me in Oakland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Oakland in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Oakland, MS
Use these to narrow the list above. Each category shows how many Oakland, MS lenders fit and what that kind of lender is usually best for.
Who Lends in Oakland, MS
Independent mortgage companies closed 51.5 percent of home loans in Oakland, Mississippi in 2025, banks 47.1 percent and credit unions 1.5 percent. First South Farm Credit, ACA was the largest mortgage company, BankFirst Financial Services the largest bank and Navy Federal Credit Union the largest credit union. Among lenders headquartered in Mississippi, BankFirst Financial Services led with 13 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 Oakland, MS
By home loans closed in 2025, BankFirst Financial Services was the largest mortgage lender in Oakland, Mississippi with 13 loans, about 19.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
6 lenders closed FHA loans in Oakland, Mississippi in 2025, led by Rocket Mortgage with 3. 2 lenders closed VA loans, led by Mortgage Research Center, 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. 17 banks and 1 credit unions closed home loans in Oakland, Mississippi in 2025, alongside 16 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 Oakland, 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 Oakland, 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 Oakland. 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.
