Mortgage Lenders and Brokers in Starkville, 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
Starkville, Mississippi mortgage lenders include Renasant BankRenasant Bank818 Highway 12 W, Starkville, MS 39759A+5.0 ★Texas Ratio: 4.72%, Bank of CommerceBank of Commerce315 University Dr, Starkville, MS 39759A+5.0 ★Texas Ratio: 4.84%, Trustmark BankTrustmark Bank128 Highway 12 W, Starkville, MS 39759A+5.0 ★Texas Ratio: 2.40%, BankFirst Financial ServicesBankFirst Financial Services1000 Highway 12 W, Starkville, MS 39759A+5.0 ★Texas Ratio: 3.47%, BankplusBankplus500 Russell St, Starkville, MS 39759A+5.0 ★Texas Ratio: 4.80%, Regions BankRegions Bank300 University Dr, Starkville, MS 39759A+5.0 ★Texas Ratio: 4.37%, Community Bank of MississippiCommunity Bank of Mississippi403 Russell St, Starkville, MS 39759A+5.0 ★Texas Ratio: 3.09%, Guaranty Bank & Trust CompanyGuaranty Bank & Trust Company101 S Lafayette St Ste 12, Starkville, MS 39759A-5.0 ★Texas Ratio: 14.15%, Cadence BankCadence Bank400 University Dr, Starkville, MS 39759, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA315 Ridge Way, Flowood, MS 39232A+5.0 ★Texas Ratio: 3.68%. 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 Starkville, Mississippi in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Starkville 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 Starkville, Mississippi
Market share is the lender's share of all home loans closed in Starkville, 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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2 offices in Starkville 818 Highway 12 W, Starkville, MS 39759 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, VA, USDA, HELOC | 30 +16 HELOCs |
7.8% | 96.8% | $269,000 | View |
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2 offices in Starkville 315 University Dr, Starkville, MS 39759 A+5.0 ★Texas Ratio: 4.84% |
Conventional | 19 | 4.9% | 95% | $107,631 | View |
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1 office in Starkville 128 Highway 12 W, Starkville, MS 39759 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, VA, USDA, HELOC | 18 +5 HELOCs |
4.7% | 85.7% | $160,000 | View |
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2 offices in Starkville 1000 Highway 12 W, Starkville, MS 39759 A+5.0 ★Texas Ratio: 3.47% |
Conventional, FHA, HELOC | 14 +13 HELOCs |
3.6% | 93.3% | $262,857 | View |
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1 office in Starkville 500 Russell St, Starkville, MS 39759 A+5.0 ★Texas Ratio: 4.80% |
Conventional, HELOC | 11 +5 HELOCs |
2.8% | 100% | $345,909 | View |
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1 office in Starkville 300 University Dr, Starkville, MS 39759 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 9 +11 HELOCs |
2.3% | 57.1% | $211,666 | View |
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1 office in Starkville 403 Russell St, Starkville, MS 39759 A+5.0 ★Texas Ratio: 3.09% |
Conventional | 8 | 2.1% | 100% | $276,250 | View |
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1 office in Starkville 101 S Lafayette St Ste 12, Starkville, MS 39759 A-5.0 ★Texas Ratio: 14.15% |
Conventional | 1 | 0.3% | 100% | $255,000 | View |
Cadence Bank
400 University Dr, Starkville, MS 39759 |
Conventional, FHA, HELOC | 72 +30 HELOCs |
18.7% | 93.5% | $318,472 | |
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315 Ridge Way, Flowood, MS 39232 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 5 | 1.3% | 85.7% | $275,000 | View |
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814 Main St, Columbia, MS 39429 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 3 | 0.8% | 100% | $368,333 | View |
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200 S Whitworth Ave, Brookhaven, MS 39601 A5.0 ★Texas Ratio: 7.61% |
Conventional | 2 | 0.5% | 100% | $370,000 | 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% |
Conventional, Jumbo | 2 | 0.5% | 100% | $940,000 | View |
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686 Highway 49, Flora, MS 39071 A+5.0 ★Texas Ratio: 0.05% |
Conventional | 2 | 0.5% | 100% | $60,000 | View |
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★ 1 stars, 1 review 7427 Goodman Rd, Olive Branch, MS 38654 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 2 | 0.5% | 100% | $215,000 | View |
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2602 Pass Rd, Biloxi, MS 39531 2728 A+5.0 ★Texas Ratio: 5.02% |
Conventional | 2 | 0.5% | 100% | $300,000 | View |
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2401 South Lamar Boulevard, Oxford, MS 38655 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.3% | 100% | $405,000 | View |
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102 Plaza Drive, Brandon, MS 39047 A5.0 ★Texas Ratio: 7.13% |
Conventional | 1 | 0.3% | 100% | $165,000 | View |
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1038 River Oaks Dr, Flowood, MS 39232 A+5.0 ★Texas Ratio: 0.03% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
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1400 W Government St, Brandon, MS 39042 A5.0 ★Texas Ratio: 12.03% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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1698 Old Fannin Rd, Flowood, MS 39232 A5.0 ★Texas Ratio: 8.43% |
Conventional | 1 | 0.3% | 100% | $105,000 | View |
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1200 Highway 90, Gautier, MS 39553 A5.0 ★Texas Ratio: 9.99% |
Conventional | 1 | 0.3% | 100% | $285,000 | View |
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2675 Pass Rd, Biloxi, MS 39531 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.3% | 50% | $55,000 | View |
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2364 Buckatunna Chicora Clara Rd, Buckatunna, MS 39322 A5.0 ★Texas Ratio: 10.01% |
Conventional | 1 | 0.3% | 100% | $375,000 | View |
Rocket Mortgage
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Conventional, FHA, VA | 18 | 4.7% | 70.4% | $208,888 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 12 | 3.1% | 81.2% | $274,166 | |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional, FHA, USDA | 11 | 2.8% | 100% | $273,181 | View |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA, VA, USDA | 10 | 2.6% | 90.9% | $235,000 | View |
21St Mortgage
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Conventional | 9 | 2.3% | 50% | $105,000 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 6 | 1.6% | 100% | $311,666 | |
Union Home Mortgage Corp.
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Conventional | 6 | 1.6% | 100% | $311,666 | |
Land Home Financial Services,
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Conventional, FHA, VA | 6 | 1.6% | 100% | $181,666 | |
Mortgage Research Center
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Conventional, VA | 6 | 1.6% | 85.7% | $301,666 | |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 6 | 1.6% | 57.9% | $68,333 | View |
Triad Financial Services, Inc.
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Conventional | 5 | 1.3% | 50% | $105,000 | |
Nationstar Mortgage
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Conventional | 5 | 1.3% | 100% | $173,000 | |
Geneva Financial LLC
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FHA, VA, USDA | 4 | 1% | 80% | $420,000 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 0.8% | 100% | $208,333 | |
Discover Bank
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Conventional | 3 | 0.8% | 42.9% | $68,333 | |
SIRVA Mortgage, Inc.
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Conventional, VA | 3 | 0.8% | 100% | $345,000 | |
Cardinal Financial Company, Li
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FHA, VA | 3 | 0.8% | 66.7% | $325,000 | |
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A5.0 ★Texas Ratio: 8.14% |
Conventional | 3 | 0.8% | 75% | $345,000 | |
Carrington Mortgage Services LLC
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Conventional | 3 | 0.8% | 50% | $155,000 | |
First Community Mortgage, Inc.
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FHA | 2 | 0.5% | 100% | $190,000 | |
Equity Prime Mortgage LLC
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FHA, VA | 2 | 0.5% | 100% | $235,000 | |
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D3.3 ★Texas Ratio: 35.11% |
Conventional, FHA | 2 | 0.5% | 50% | $240,000 | View |
AML Funding LLC dba Absolute Mortgage & Lending
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Conventional | 2 | 0.5% | 100% | $245,000 | |
West Alabama Bank & Trust
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Conventional | 2 | 0.5% | 100% | $115,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 2 | 0.5% | 100% | $245,000 | View |
Planet Home Lending, LLC
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Conventional, VA | 2 | 0.5% | 100% | $130,000 | |
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A4.8 ★Texas Ratio: 2.45% |
Conventional | 2 | 0.5% | 100% | $305,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional, FHA | 2 | 0.5% | 100% | $555,000 | View |
Paramount Residential Mortgage
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VA, USDA | 2 | 0.5% | 100% | $240,000 | |
loanDepot.com LLC
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 33.3% | $95,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
0.3% | 100% | $605,000 | |
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A5.0 ★Texas Ratio: 6.45% |
Conventional | 1 | 0.3% | 100% | $315,000 | View |
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A+5.0 ★Texas Ratio: 4.11% |
Conventional | 1 | 0.3% | 100% | $115,000 | View |
Consumer Real Estate Finance Co DBA Society Mortgage
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USDA | 1 | 0.3% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 4.14% |
VA | 1 | 0.3% | 100% | $385,000 | View |
Liberty Federal Credit Union
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Conventional | 1 | 0.3% | 100% | $225,000 | |
American Financial Resources LLC
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FHA | 1 | 0.3% | 100% | $325,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.3% | 100% | $185,000 | View |
Freedom Mortgage Corporation
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VA | 1 | 0.3% | 66.7% | $285,000 | |
Nbkc Bank
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Conventional | 1 | 0.3% | 100% | $305,000 | |
Amerisave Mortgage Company
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Conventional | 1 | 0.3% | 12.5% | $105,000 | |
Eustis Mortgage Corp
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Conventional | 1 | 0.3% | 50% | $135,000 | |
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A5.0 ★Texas Ratio: 13.21% |
Conventional | 1 | 0.3% | 100% | $205,000 | View |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.3% | 100% | $235,000 | View |
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A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.3% | 100% | $125,000 | View |
Cmg Mortgage Inc
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FHA | 1 | 0.3% | 100% | $365,000 | |
Weichert Financial Services
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VA | 1 | 0.3% | 100% | $465,000 | |
Community Mortgage Corporation
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Conventional | 1 | 0.3% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 5.86% |
Conventional | 1 | 0.3% | 100% | $455,000 | View |
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A+5.0 ★Texas Ratio: 1.74% |
Conventional | 1 | 0.3% | 100% | $355,000 | View |
Stockton Mortgage Corporation
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VA | 1 | 0.3% | 100% | $435,000 | |
Towne Mortgage Company
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FHA | 1 | 0.3% | 50% | $375,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.3% | 50% | $265,000 | |
Gulf Coast Bank and Trust
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Conventional | 1 | 0.3% | 100% | $585,000 | |
Black Hills Community Bank, NA
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VA | 1 | 0.3% | 100% | $455,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 0.3% | 50% | $275,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 0.3% | 100% | $305,000 | |
Leaders Credit Union
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Conventional | 1 | 0.3% | 100% | $215,000 | |
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A+5.0 ★Texas Ratio: 3.22% |
Conventional | 1 | 0.3% | 100% | $345,000 | View |
Insouth Bank
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Conventional | 1 | 0.3% | 100% | $155,000 | |
Gmfs, LLC
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Conventional | 1 | 0.3% | 100% | $635,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.3% | 100% | $765,000 | |
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A+5.0 ★Texas Ratio: 1.39% |
Conventional | 1 | 0.3% | 100% | $155,000 | View |
Southwest Funding LP
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FHA | 1 | 0.3% | 100% | $205,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A-4.9 ★Texas Ratio: 16.60% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
CB&S Bank
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
New American Funding, LLC.
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HELOC | 0 +1 HELOCs |
0% | n/a |
Starkville 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 Starkville, Mississippi
Looking for mortgage lenders near me or mortgage brokers near me in Starkville? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Starkville in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Starkville, MS
Use these to narrow the list above. Each category shows how many Starkville, MS lenders fit and what that kind of lender is usually best for.
Who Lends in Starkville, MS
Independent mortgage companies closed 32.9 percent of home loans in Starkville, Mississippi in 2025, banks 65 percent and credit unions 2.1 percent. Rocket Mortgage was the largest mortgage company, Renasant Bank the largest bank and Keesler Federal Credit Union the largest credit union. Among lenders headquartered in Mississippi, Bank of Commerce led with 19 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 Starkville, MS
By home loans closed in 2025, Renasant Bank was the largest mortgage lender in Starkville, Mississippi with 30 loans, about 7.8 percent of the market. The largest lender headquartered in Mississippi was Bank of Commerce with 19 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Starkville, Mississippi, Cadence Bank approved the highest share of completed applications in 2025 at 93.5 percent, against a 82.2 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.
23 lenders closed FHA loans in Starkville, Mississippi in 2025, led by Cadence Bank with 11. 21 lenders closed VA loans, led by Mortgage Research Center, and 7 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. 49 banks and 5 credit unions closed home loans in Starkville, Mississippi in 2025, alongside 39 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 Starkville, 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 Starkville, 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 Starkville. 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.
