Mortgage Lenders and Brokers in West Point, 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
West Point, Mississippi mortgage lenders include Renasant BankRenasant Bank26164 W Main St, West Point, MS 39773A+5.0 ★Texas Ratio: 4.72%, Bank of CommerceBank of Commerce5549 Highway 45 Alt S, West Point, MS 39773A+5.0 ★Texas Ratio: 4.84%, Regions BankRegions Bank26661 E Main St, West Point, MS 39773A+5.0 ★Texas Ratio: 4.37%, BankFirst Financial ServicesBankFirst Financial Services7342 Highway 45 Alt N, West Point, MS 39773A+5.0 ★Texas Ratio: 3.47%, Cadence BankCadence Bank662 E Broad St, West Point, MS 39773, Trustmark BankTrustmark Bank935 Lodge St, Beaumont, MS 39423A+5.0 ★Texas Ratio: 2.40%, Hope Federal Credit UnionHope Federal Credit Union470 Commerce St, West Point, MS 39773 7993, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA315 Ridge Way, Flowood, MS 39232A+5.0 ★Texas Ratio: 3.68%, Guaranty Bank & Trust CompanyGuaranty Bank & Trust Company105 Main St S, Amory, MS 38821A-5.0 ★Texas Ratio: 14.15%, and Southern Bancorp BankSouthern Bancorp Bank648 E Peace St, Canton, MS 39046A5.0 ★Texas Ratio: 8.01%. 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 West Point, Mississippi in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in West Point 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 West Point, Mississippi
Market share is the lender's share of all home loans closed in West Point, 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 West Point 26164 W Main St, West Point, MS 39773 A+5.0 ★Texas Ratio: 4.72% |
Conventional, FHA, USDA, Jumbo, HELOC | 11 +16 HELOCs |
6.6% | 84.6% | $242,272 | View |
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1 office in West Point 5549 Highway 45 Alt S, West Point, MS 39773 A+5.0 ★Texas Ratio: 4.84% |
Conventional | 7 | 4.2% | 100% | $135,000 | View |
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1 office in West Point 26661 E Main St, West Point, MS 39773 A+5.0 ★Texas Ratio: 4.37% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
1.2% | 40% | $145,000 | View |
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1 office in West Point 7342 Highway 45 Alt N, West Point, MS 39773 A+5.0 ★Texas Ratio: 3.47% |
Conventional, HELOC | 1 +1 HELOCs |
0.6% | 100% | $55,000 | View |
Cadence Bank
662 E Broad St, West Point, MS 39773 |
Conventional, USDA, HELOC | 8 +27 HELOCs |
4.8% | 90% | $87,500 | |
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935 Lodge St, Beaumont, MS 39423 A+5.0 ★Texas Ratio: 2.40% |
Conventional, FHA, VA, HELOC | 8 +3 HELOCs |
4.8% | 80% | $97,500 | View |
Hope Federal Credit Union
470 Commerce St, West Point, MS 39773 7993 |
Conventional | 3 | 1.8% | 60% | $65,000 | |
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315 Ridge Way, Flowood, MS 39232 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.2% | 100% | $105,000 | View |
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105 Main St S, Amory, MS 38821 A-5.0 ★Texas Ratio: 14.15% |
FHA | 1 | 0.6% | 100% | $165,000 | View |
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648 E Peace St, Canton, MS 39046 A5.0 ★Texas Ratio: 8.01% |
Conventional | 1 | 0.6% | 100% | $135,000 | View |
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2 Business 7 N, Abbeville, MS 38601 C+4.2 ★Texas Ratio: 24.96% |
Conventional | 1 | 0.6% | 100% | $335,000 | View |
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902 Highway 278 E, Amory, MS 38821 A+5.0 ★Texas Ratio: 3.09% |
Conventional | 1 | 0.6% | 100% | $155,000 | View |
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2675 Pass Rd, Biloxi, MS 39531 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 0.6% | 100% | $495,000 | View |
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814 Main St, Columbia, MS 39429 A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.6% | 100% | $165,000 | View |
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2602 Pass Rd, Biloxi, MS 39531 2728 A+5.0 ★Texas Ratio: 5.02% |
Conventional | 1 | 0.6% | 100% | $235,000 | View |
Rocket Mortgage
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Conventional, FHA, VA | 18 | 10.8% | 67.9% | $148,888 | |
21St Mortgage
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Conventional | 10 | 6% | 37.5% | $104,000 | |
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A5.0 ★Texas Ratio: 7.51% |
Conventional | 8 | 4.8% | 55.6% | $75,000 | View |
New American Funding, LLC.
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Conventional, FHA | 7 | 4.2% | 87.5% | $79,285 | |
Triad Financial Services, Inc.
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Conventional | 6 | 3.6% | 82.6% | $125,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 6 | 3.6% | 100% | $91,666 | |
Mortgage Research Center
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VA | 6 | 3.6% | 60% | $231,666 | |
Freedom Mortgage Corporation
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FHA, VA | 5 | 3% | 85.7% | $229,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional, VA, USDA | 5 | 3% | 100% | $191,000 | View |
United Wholesale Mortgage
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FHA, VA | 3 | 1.8% | 100% | $251,666 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 3 | 1.8% | 75% | $211,666 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 3 | 1.8% | 100% | $301,666 | |
Geneva Financial LLC
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Conventional, FHA | 3 | 1.8% | 100% | $111,666 | |
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A+5.0 ★Texas Ratio: 5.42% |
Conventional, FHA | 3 | 1.8% | 100% | $275,000 | View |
First Community Mortgage, Inc.
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Conventional | 2 | 1.2% | 100% | $140,000 | |
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D3.3 ★Texas Ratio: 35.11% |
FHA | 2 | 1.2% | 100% | $345,000 | View |
Amerisave Mortgage Company
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Conventional, FHA | 2 | 1.2% | 40% | $150,000 | |
Land Home Financial Services,
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Conventional | 2 | 1.2% | 100% | $125,000 | |
Zillow Home Loans, LLC
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Conventional | 2 | 1.2% | 100% | $140,000 | |
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A5.0 ★Texas Ratio: 8.14% |
VA | 2 | 1.2% | 100% | $265,000 | |
Carrington Mortgage Services LLC
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FHA | 2 | 1.2% | 50% | $95,000 | |
Liberty Federal Credit Union
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Conventional | 1 | 0.6% | 100% | $55,000 | |
Royal United Mortgage LLC
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VA | 1 | 0.6% | 66.7% | $105,000 | |
Canopy Mortgage, LLC
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FHA | 1 | 0.6% | 50% | $155,000 | |
Newrez LLC
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Conventional | 1 | 0.6% | 33.3% | $35,000 | |
Equity Prime Mortgage LLC
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USDA | 1 | 0.6% | 100% | $175,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 0.6% | 100% | $145,000 | |
Norwich Commercial Group Inc
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VA | 1 | 0.6% | 100% | $275,000 | |
loanDepot.com LLC
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FHA | 1 | 0.6% | 33.3% | $155,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
Conventional | 1 | 0.6% | 100% | $85,000 | View |
Sun West Mortgage Company, Inc
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FHA | 1 | 0.6% | 50% | $115,000 | |
Planet Home Lending, LLC
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VA | 1 | 0.6% | 100% | $175,000 | |
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A+5.0 ★Texas Ratio: 2.25% |
Conventional | 1 | 0.6% | 100% | $525,000 | View |
Stockton Mortgage Corporation
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FHA | 1 | 0.6% | 100% | $145,000 | |
Towne Mortgage Company
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FHA | 1 | 0.6% | 100% | $325,000 | |
Mortgage Solutions of Colorado
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USDA | 1 | 0.6% | 100% | $145,000 | |
Southwest Stage Funding LLC
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Conventional | 1 | 0.6% | 100% | $85,000 | |
Southwest Funding LP
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FHA | 1 | 0.6% | 100% | $175,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
All In Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | 0% |
West Point 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 West Point, Mississippi
Looking for mortgage lenders near me or mortgage brokers near me in West Point? The list below shows the banks, credit unions and mortgage brokers that closed home loans in West Point in 2025, with lenders based there listed first.
Types of Mortgage Lenders in West Point, MS
Use these to narrow the list above. Each category shows how many West Point, MS lenders fit and what that kind of lender is usually best for.
Who Lends in West Point, MS
Independent mortgage companies closed 57.2 percent of home loans in West Point, Mississippi in 2025, banks 38.6 percent and credit unions 4.2 percent. Rocket Mortgage was the largest mortgage company, Renasant Bank the largest bank and Hope Federal Credit Union the largest credit union. Among lenders headquartered in Mississippi, Bank of Commerce led with 7 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 West Point, MS
By home loans closed in 2025, Renasant Bank was the largest mortgage lender in West Point, Mississippi with 11 loans, about 6.6 percent of the market. The largest lender headquartered in Mississippi was Bank of Commerce with 7 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
23 lenders closed FHA loans in West Point, Mississippi in 2025, led by Rocket Mortgage with 6. 12 lenders closed VA loans, led by Mortgage Research Center, and 5 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. 21 banks and 5 credit unions closed home loans in West Point, Mississippi in 2025, alongside 31 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 West Point, 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 West Point, 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 West Point. 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.
