Mortgage Lenders and Brokers in Ocean Springs, Mississippi
Brian McKay
|
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.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Ocean Springs, Mississippi mortgage lenders include Community Bank of MississippiCommunity Bank of Mississippi611 Jackson Ave, Ocean Springs, MS 39564A+5.0 ★Texas Ratio: 3.09%, The Peoples BankThe Peoples Bank2015 Bienville Blvd, Ocean Springs, MS 39564A+5.0 ★Texas Ratio: 0.48%, Hancock Whitney BankHancock Whitney Bank901 Washington Ave, Ocean Springs, MS 39564A+5.0 ★Texas Ratio: 3.41%, Regions BankRegions Bank811 Bienville Boulevard (highway 90), Ocean Springs, MS 39564A+5.0 ★Texas Ratio: 4.37%, Renasant BankRenasant Bank1700 Government St, Ocean Springs, MS 39564A+5.0 ★Texas Ratio: 4.72%, Merchants & Marine BankMerchants & Marine Bank2008 Bienville Blvd, Ocean Springs, MS 39564A5.0 ★Texas Ratio: 9.99%, Wells Fargo Bank NAWells Fargo Bank NA1701 Bienville Blvd, Ocean Springs, MS 39564A+5.0 ★Texas Ratio: 5.36%, Huntington National BankHuntington National BankA+5.0 ★Texas Ratio: 3.66%, Keesler Federal Credit UnionKeesler Federal Credit Union2420 Bienville Blvd, Ocean Springs, MS 39564A+5.0 ★Texas Ratio: 5.02%, and Cadence BankCadence Bank1003 Washington Ave, Ocean Springs, MS 39564. 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 Ocean Springs, Mississippi in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Ocean Springs 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 Ocean Springs, Mississippi
Market share is the lender's share of all home loans closed in Ocean Springs, 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 |
|---|---|---|---|---|---|---|
|
1 office in Ocean Springs 611 Jackson Ave, Ocean Springs, MS 39564 A+5.0 ★Texas Ratio: 3.09% |
Conventional, HELOC | 21 +11 HELOCs |
5.4% | 100% | $274,523 | View |
|
1 office in Ocean Springs 2015 Bienville Blvd, Ocean Springs, MS 39564 A+5.0 ★Texas Ratio: 0.48% |
Conventional | 9 | 2.3% | 100% | $166,111 | View |
|
★ 4 stars, 3 reviews 2 offices in Ocean Springs 901 Washington Ave, Ocean Springs, MS 39564 A+5.0 ★Texas Ratio: 3.41% |
Conventional, VA, HELOC | 6 +14 HELOCs |
1.5% | 85.7% | $280,000 | View |
|
1 office in Ocean Springs 811 Bienville Boulevard (highway 90), Ocean Springs, MS 39564 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 5 +5 HELOCs |
1.3% | 85.7% | $291,000 | View |
|
1 office in Ocean Springs 1700 Government St, Ocean Springs, MS 39564 A+5.0 ★Texas Ratio: 4.72% |
Conventional, Jumbo | 4 | 1% | 100% | $575,000 | View |
|
2 offices in Ocean Springs 2008 Bienville Blvd, Ocean Springs, MS 39564 A5.0 ★Texas Ratio: 9.99% |
Conventional, Jumbo | 3 | 0.8% | 100% | $848,333 | View |
|
1 office in Ocean Springs 1701 Bienville Blvd, Ocean Springs, MS 39564 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 3 | 0.8% | 50% | $178,333 | View |
|
1 office in Ocean Springs A+5.0 ★Texas Ratio: 3.66% |
VA | 1 | 0.3% | 100% | $315,000 | View |
|
2420 Bienville Blvd, Ocean Springs, MS 39564 A+5.0 ★Texas Ratio: 5.02% |
Conventional, FHA, VA, HELOC | 25 +35 HELOCs |
6.4% | 83.3% | $269,000 | View |
Cadence Bank
1003 Washington Ave, Ocean Springs, MS 39564 |
Conventional, VA, Jumbo, HELOC | 23 +27 HELOCs |
5.9% | 92% | $396,304 | |
|
935 Lodge St, Beaumont, MS 39423 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, VA, HELOC | 14 +5 HELOCs |
3.6% | 100% | $267,857 | View |
|
814 Main St, Columbia, MS 39429 A+5.0 ★Texas Ratio: 5.44% |
Conventional, Jumbo | 9 | 2.3% | 100% | $347,222 | View |
|
315 Ridge Way, Flowood, MS 39232 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 3 | 0.8% | 100% | $488,333 | View |
|
28 Highway 528, Bay Springs, MS 39422 A+5.0 ★Texas Ratio: 3.47% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
|
1400 W Government St, Brandon, MS 39042 A5.0 ★Texas Ratio: 12.03% |
Conventional | 1 | 0.3% | 100% | $275,000 | View |
|
481a Highway 49, Mc Henry, MS 39561 A5.0 ★Texas Ratio: 7.47% |
Conventional | 1 | 0.3% | 100% | $175,000 | View |
|
3811 Bienville Blvd, Ocean Springs, MS 39564 |
Conventional | 1 | 0.3% | 50% | $175,000 | View |
|
167 Court Sq, Charleston, MS 38921 A+5.0 ★Texas Ratio: 4.84% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
|
1075 Highway 98 Byp, Columbia, MS 39429 A+5.0 ★Texas Ratio: 0.47% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
|
710 Main St, Collins, MS 39428 B4.4 ★Texas Ratio: 21.68% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
|
814 Main St, Columbia, MS 39429 A+5.0 ★Texas Ratio: 2.03% |
Conventional | 1 | 0.3% | 100% | $85,000 | View |
Hope Federal Credit Union
188 Porter Ave, Biloxi, MS 39530 3724 |
Conventional | 1 | 0.3% | 100% | $305,000 | |
|
202 E Jackson St, Belzoni, MS 39038 A+5.0 ★Texas Ratio: 4.80% |
HELOC | 0 +2 HELOCs |
0% | 0% | View | |
First Federal Savings and Loan Association of Pascagoula - Moss Point
|
Conventional | 4 | 1% | 100% | $315,000 | |
Singing River Federal C.U.
|
Conventional, Jumbo | 2 | 0.5% | 100% | $1,035,000 | |
Cmg Mortgage Inc
|
Conventional, FHA, VA, USDA, HELOC | 29 +1 HELOCs |
7.5% | 100% | $252,586 | |
Rocket Mortgage
|
Conventional, FHA, VA | 28 | 7.2% | 74.4% | $213,214 | |
loanDepot.com LLC
|
Conventional, FHA, VA, HELOC | 15 +1 HELOCs |
3.9% | 88.2% | $249,666 | |
Fairway Independent Mort Corp
|
Conventional, FHA, VA, Jumbo | 11 | 2.8% | 100% | $289,545 | |
Guild Mortgage Company
|
Conventional, FHA | 10 | 2.6% | 90.9% | $370,000 | |
Nationstar Mortgage
|
Conventional, FHA, VA | 10 | 2.6% | 76.9% | $141,000 | |
Mortgage Research Center
|
VA | 10 | 2.6% | 83.3% | $255,000 | |
Freedom Mortgage Corporation
|
FHA, VA | 9 | 2.3% | 100% | $273,888 | |
Pennymac Loan Services LLC
|
Conventional, FHA, VA | 7 | 1.8% | 75% | $193,571 | |
New American Funding, LLC.
|
Conventional, FHA, VA | 7 | 1.8% | 87.5% | $196,428 | |
|
A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA, VA | 7 | 1.8% | 100% | $280,714 | View |
|
A5.0 ★Texas Ratio: 8.14% |
Conventional, VA, HELOC | 6 +3 HELOCs |
1.5% | 100% | $225,000 | |
CrossCountry Mortgage, LLC
|
Conventional, FHA, VA | 6 | 1.5% | 100% | $195,000 | |
United Wholesale Mortgage
|
Conventional, VA | 5 | 1.3% | 62.5% | $209,000 | |
Guaranteed Rate, Inc.
|
Conventional, VA | 5 | 1.3% | 100% | $221,000 | |
Mortgage Solutions of Colorado
|
FHA, VA | 5 | 1.3% | 83.3% | $321,000 | |
DHI Mortgage Company, LTD.
|
Conventional, VA | 5 | 1.3% | 83.3% | $241,000 | |
|
A+5.0 ★Texas Ratio: 0.32% |
Conventional, VA | 4 | 1% | 100% | $272,500 | View |
|
A+5.0 ★Texas Ratio: 2.12% |
Conventional, Jumbo, HELOC | 3 +1 HELOCs |
0.8% | 100% | $491,666 | |
Gold Star Mortgage Financial Group, Corporation
|
Conventional, FHA | 3 | 0.8% | 60% | $161,666 | |
Affordable Mortgage Advisors
|
Conventional, FHA | 3 | 0.8% | 100% | $208,333 | |
Newrez LLC
|
Conventional | 3 | 0.8% | 100% | $61,666 | |
Amerisave Mortgage Company
|
Conventional | 3 | 0.8% | 60% | $51,666 | |
|
A+5.0 ★Texas Ratio: 4.14% |
Conventional | 2 | 0.5% | 100% | $395,000 | View |
American Financing Corporation
|
Conventional, VA | 2 | 0.5% | 50% | $105,000 | |
Planet Home Lending, LLC
|
VA | 2 | 0.5% | 66.7% | $255,000 | |
Stockton Mortgage Corporation
|
Conventional, FHA | 2 | 0.5% | 100% | $180,000 | |
Towne Mortgage Company
|
VA | 2 | 0.5% | 100% | $425,000 | |
Zillow Home Loans, LLC
|
Conventional | 2 | 0.5% | 100% | $320,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
Conventional, VA | 2 | 0.5% | 66.7% | $190,000 | View |
Plaza Home Mortgage, Inc
|
VA | 2 | 0.5% | 40% | $270,000 | |
Village Capital & Investment
|
VA, USDA | 2 | 0.5% | 100% | $180,000 | |
Spring Eq, LLC
|
Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $55,000 | |
|
A+5.0 ★Texas Ratio: 0.54% |
Conventional | 1 | 0.3% | 100% | $385,000 | View |
Royal United Mortgage LLC
|
Conventional | 1 | 0.3% | 50% | $305,000 | |
|
A5.0 ★Texas Ratio: 9.53% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
Lakeview Loan Servicing, LLC
|
FHA | 1 | 0.3% | 66.7% | $265,000 | |
Sage Home Loans Corporation
|
Conventional | 1 | 0.3% | 100% | $265,000 | |
Nbkc Bank
|
VA | 1 | 0.3% | 100% | $325,000 | |
Kind Lending, LLC
|
Conventional | 1 | 0.3% | 100% | $375,000 | |
Loansteady LLC
|
Conventional | 1 | 0.3% | 100% | $605,000 | |
|
D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.3% | 50% | $325,000 | View |
Triad Financial Services, Inc.
|
Conventional | 1 | 0.3% | 25% | $105,000 | |
PHH Mortgage Corporation
|
Conventional | 1 | 0.3% | 100% | $165,000 | |
Resicentral LLC
|
Conventional | 1 | 0.3% | 100% | $165,000 | |
Assurance Financial Group, L.L.C.
|
Conventional | 1 | 0.3% | 100% | $205,000 | |
HomeBridge Financial Services, Inc
|
VA | 1 | 0.3% | 100% | $205,000 | |
Nqm Funding, LLC
|
Conventional | 1 | 0.3% | 100% | $245,000 | |
Union Home Mortgage Corp.
|
VA | 1 | 0.3% | 100% | $225,000 | |
Mid-Continent Funding, Inc.
|
VA | 1 | 0.3% | 50% | $215,000 | |
Nfm, Inc
|
Conventional | 1 | 0.3% | 100% | $235,000 | |
New Day Financial, LLC.
|
VA | 1 | 0.3% | 100% | $145,000 | |
|
B-3.5 ★Texas Ratio: 6.80% |
VA | 1 | 0.3% | 33.3% | $395,000 | View |
The Bank of Fayette County
|
Conventional | 1 | 0.3% | 100% | $295,000 | |
T2 Financial LLC
|
Conventional, Jumbo | 1 | 0.3% | 100% | $1,305,000 | |
|
A+5.0 ★Texas Ratio: 2.20% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
|
A+5.0 ★Texas Ratio: 3.65% |
Conventional | 1 | 0.3% | 100% | $295,000 | View |
The Cottonport Bank
|
Conventional | 1 | 0.3% | 100% | $265,000 | |
|
A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.3% | 100% | $595,000 | View |
|
★ 5 stars, 1 review A+5.0 ★Texas Ratio: 2.27% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
Mutual of Omaha Mortgage
|
VA | 1 | 0.3% | 100% | $445,000 | |
|
B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.3% | 100% | $95,000 | View |
|
A4.8 ★Texas Ratio: 2.45% |
Conventional, Jumbo | 1 | 0.3% | 100% | $1,505,000 | View |
|
A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.3% | 100% | $75,000 | View |
|
A5.0 ★Texas Ratio: 9.09% |
FHA | 1 | 0.3% | 100% | $245,000 | View |
Texana Bank
|
VA | 1 | 0.3% | 100% | $295,000 | |
Ark-La-Tex Financial Services LLC
|
Conventional | 1 | 0.3% | 100% | $195,000 | |
Figure Lending LLC
|
HELOC | 0 +3 HELOCs |
0% | n/a | ||
|
B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
|
A+5.0 ★Texas Ratio: 3.04% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Quorum Federal Credit Union
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Ocean Springs 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 Ocean Springs, Mississippi
Looking for mortgage lenders near me or mortgage brokers near me in Ocean Springs? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Ocean Springs in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Ocean Springs, MS
Use these to narrow the list above. Each category shows how many Ocean Springs, MS lenders fit and what that kind of lender is usually best for.
Who Lends in Ocean Springs, MS
Independent mortgage companies closed 54.4 percent of home loans in Ocean Springs, Mississippi in 2025, banks 35.8 percent and credit unions 9.8 percent. Cmg Mortgage Inc was the largest mortgage company, Community Bank of Mississippi the largest bank and Keesler Federal Credit Union the largest credit union. Among lenders headquartered in Mississippi, Community Bank of Mississippi led with 21 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 Ocean Springs, MS
By home loans closed in 2025, Community Bank of Mississippi was the largest mortgage lender in Ocean Springs, Mississippi with 21 loans, about 5.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Ocean Springs, Mississippi in 2025, led by Cmg Mortgage Inc with 10. 36 lenders closed VA loans, led by Mortgage Research Center, 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. 42 banks and 7 credit unions closed home loans in Ocean Springs, Mississippi in 2025, alongside 47 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 Ocean Springs, 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 Ocean Springs, 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 Ocean Springs. 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.
