Mortgage Lenders and Brokers in Richland, 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
Richland, Mississippi mortgage lenders include Trustmark BankTrustmark Bank1001 Old Highway 49 S, Richland, MS 39218A+5.0 ★Texas Ratio: 2.40%, PriorityOne BankPriorityOne Bank1021 Highway 49 S, Richland, MS 39218A5.0 ★Texas Ratio: 12.03%, Copiah BankCopiah Bank145 W Harper St, Richland, MS 39218A+5.0 ★Texas Ratio: 0.90%, Regions BankRegions Bank1185 Highway 49 S, Richland, MS 39218A+5.0 ★Texas Ratio: 4.37%, Peoples BankPeoples Bank368 Scarbrough St Ste A1, Richland, MS 39218B4.4 ★Texas Ratio: 21.68%, Community Bank of MississippiCommunity Bank of Mississippi902 Highway 278 E, Amory, MS 38821A+5.0 ★Texas Ratio: 3.09%, Cadence BankCadence Bank1020 Highway 49 S, Richland, MS 39218, Keesler Federal Credit UnionKeesler Federal Credit Union2602 Pass Rd, Biloxi, MS 39531 2728A+5.0 ★Texas Ratio: 5.02%, Renasant BankRenasant Bank103 E Washington St, Aberdeen, MS 39730A+5.0 ★Texas Ratio: 4.72%, and BankplusBankplus202 E Jackson St, Belzoni, MS 39038A+5.0 ★Texas Ratio: 4.80%. 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 Richland, Mississippi in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Richland 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 Richland, Mississippi
Market share is the lender's share of all home loans closed in Richland, 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 Richland 1001 Old Highway 49 S, Richland, MS 39218 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, HELOC | 11 +5 HELOCs |
8.1% | 91.7% | $123,181 | View |
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1 office in Richland 1021 Highway 49 S, Richland, MS 39218 A5.0 ★Texas Ratio: 12.03% |
Conventional, FHA, VA, USDA, HELOC | 5 +1 HELOCs |
3.7% | 100% | $233,000 | View |
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1 office in Richland 145 W Harper St, Richland, MS 39218 A+5.0 ★Texas Ratio: 0.90% |
Conventional | 5 | 3.7% | 83.3% | $111,000 | View |
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1 office in Richland 1185 Highway 49 S, Richland, MS 39218 A+5.0 ★Texas Ratio: 4.37% |
Conventional, HELOC | 2 +4 HELOCs |
1.5% | 40% | $25,000 | View |
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1 office in Richland 368 Scarbrough St Ste A1, Richland, MS 39218 B4.4 ★Texas Ratio: 21.68% |
Conventional | 2 | 1.5% | 100% | $50,000 | View |
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902 Highway 278 E, Amory, MS 38821 A+5.0 ★Texas Ratio: 3.09% |
Conventional, FHA, USDA, HELOC | 9 +5 HELOCs |
6.6% | 100% | $91,666 | View |
Cadence Bank
1020 Highway 49 S, Richland, MS 39218 |
Conventional, FHA, VA, HELOC | 8 +12 HELOCs |
5.9% | 80% | $211,250 | |
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2602 Pass Rd, Biloxi, MS 39531 2728 A+5.0 ★Texas Ratio: 5.02% |
Conventional, FHA, HELOC | 3 +2 HELOCs |
2.2% | 100% | $201,666 | View |
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103 E Washington St, Aberdeen, MS 39730 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
2.2% | 100% | $161,666 | View |
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202 E Jackson St, Belzoni, MS 39038 A+5.0 ★Texas Ratio: 4.80% |
Conventional, FHA, HELOC | 3 +1 HELOCs |
2.2% | 100% | $161,666 | View |
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315 Ridge Way, Flowood, MS 39232 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.7% | 100% | $155,000 | View |
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1038 River Oaks Dr, Flowood, MS 39232 A+5.0 ★Texas Ratio: 0.03% |
Conventional | 1 | 0.7% | 100% | $125,000 | View |
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1698 Old Fannin Rd, Flowood, MS 39232 A5.0 ★Texas Ratio: 8.43% |
Conventional | 1 | 0.7% | 100% | $155,000 | View |
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167 Court Sq, Charleston, MS 38921 A+5.0 ★Texas Ratio: 4.84% |
Conventional | 1 | 0.7% | 100% | $25,000 | View |
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6a N Third St, Bay Springs, MS 39422 A+5.0 ★Texas Ratio: 1.01% |
Conventional | 1 | 0.7% | 100% | $185,000 | View |
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2675 Pass Rd, Biloxi, MS 39531 A+5.0 ★Texas Ratio: 5.36% |
FHA | 1 | 0.7% | 100% | $125,000 | View |
Hope Federal Credit Union
188 Porter Ave, Biloxi, MS 39530 3724 |
Conventional | 1 | 0.7% | 100% | $215,000 | |
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★ 5 stars, 1 review 500 E Commerce St, Hernando, MS 38632 A+5.0 ★Texas Ratio: 5.76% |
HELOC | 0 +1 HELOCs |
0% | n/a | 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% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Rocket Mortgage
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Conventional, FHA, VA | 12 | 8.8% | 85.7% | $139,166 | |
Guild Mortgage Company
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Conventional, FHA, USDA | 9 | 6.6% | 100% | $167,222 | |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional, FHA, USDA | 6 | 4.4% | 100% | $148,333 | View |
Newrez LLC
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Conventional, FHA, VA, USDA | 6 | 4.4% | 100% | $221,666 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 5 | 3.7% | 75% | $225,000 | |
Stockton Mortgage Corporation
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Conventional, FHA, USDA | 5 | 3.7% | 83.3% | $203,000 | |
21St Mortgage
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Conventional | 5 | 3.7% | 71.4% | $121,000 | |
Liberty Federal Credit Union
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Conventional, USDA | 2 | 1.5% | 100% | $315,000 | |
Freedom Mortgage Corporation
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VA | 2 | 1.5% | 100% | $270,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 1.5% | 60% | $150,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 1.5% | 100% | $115,000 | |
Mortgage Research Center
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VA | 2 | 1.5% | 50% | $310,000 | |
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A+5.0 ★Texas Ratio: 0.90% |
Conventional, FHA | 2 | 1.5% | 100% | $100,000 | View |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 2 | 1.5% | 100% | $65,000 | |
Village Capital & Investment
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FHA, VA | 2 | 1.5% | 100% | $290,000 | |
loanDepot.com LLC
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FHA, HELOC | 1 +1 HELOCs |
0.7% | 33.3% | $95,000 | |
All Credit Considered Mortgage, Inc.
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Conventional | 1 | 0.7% | 100% | $215,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.7% | 100% | $225,000 | |
Loansteady LLC
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FHA | 1 | 0.7% | 100% | $225,000 | |
Discover Bank
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Conventional | 1 | 0.7% | 33.3% | $95,000 | |
Churchill Mortgage Corporation
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Conventional | 1 | 0.7% | 100% | $275,000 | |
Planet Home Lending, LLC
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FHA | 1 | 0.7% | 50% | $305,000 | |
Nationstar Mortgage
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Conventional | 1 | 0.7% | 100% | $65,000 | |
Mortgage Solutions of Colorado
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FHA | 1 | 0.7% | 100% | $175,000 | |
Lower, LLC
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FHA | 1 | 0.7% | 100% | $205,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
USDA | 1 | 0.7% | 100% | $205,000 | View |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 1 | 0.7% | 100% | $95,000 | View |
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A+5.0 ★Texas Ratio: 5.42% |
USDA | 1 | 0.7% | 100% | $175,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.7% | 14.3% | $35,000 | |
Figure Lending LLC
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A5.0 ★Texas Ratio: 6.31% |
HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.82% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Richland 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 Richland, Mississippi
Looking for mortgage lenders near me or mortgage brokers near me in Richland? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Richland in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Richland, MS
Use these to narrow the list above. Each category shows how many Richland, MS lenders fit and what that kind of lender is usually best for.
Who Lends in Richland, MS
Independent mortgage companies closed 47.8 percent of home loans in Richland, Mississippi in 2025, banks 46.3 percent and credit unions 5.9 percent. Rocket Mortgage was the largest mortgage company, Trustmark Bank the largest bank and Keesler Federal Credit Union the largest credit union. Among lenders headquartered in Mississippi, Trustmark Bank led with 11 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 Richland, MS
By home loans closed in 2025, Trustmark Bank was the largest mortgage lender in Richland, Mississippi with 11 loans, about 8.1 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
23 lenders closed FHA loans in Richland, Mississippi in 2025, led by Trustmark Bank with 4. 8 lenders closed VA loans, led by United Wholesale Mortgage, 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. 22 banks and 5 credit unions closed home loans in Richland, Mississippi in 2025, alongside 24 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 Richland, 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 Richland, 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 Richland. 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.
