Top Mortgage Lenders in Starkville, MS

Which mortgage lender in the Starkville, MS area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the Starkville, MS area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Starkville, MS area in terms of interest rate is Cadence Bank, with an average “Rate Difference” of -0.11%. This means that, comparing similar borrowers, Cadence Bank provided a -0.11% lower interest rate for its customers than other lenders in the area. Cadence Bank has a market share of 9.6%. On the other hand, the most popular lender in the Starkville, MS area is BancorpSouth Bank, with a larger market share of 22.7%. BancorpSouth Bank is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.00% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Starkville, MS area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in Starkville, MS is Cadence Bank. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is Trustmark National Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is BancorpSouth Bank. The cheapest VA mortgage provider is Trustmark National Bank. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Starkville, MS

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
Cadence Bank-0.11%(4.0)9.61%
Trustmark National Bank-0.04%(3.5)10.35%
Renasant Bank-0.01%(3.5)16.22%
BancorpSouth Bank-0.00%(3.5)22.73%
USAA0.00%(3.5)4.48%
BankFirst Financial Services0.00%(3.5)4.91%
Magnolia Bank0.03%(3.5)7.47%
Flagstar Bank0.04%(3.5)5.12%
Quicken Loans0.06%(3.0)15.37%
Regions Bank0.07%(3.0)3.74%
Lender NameRate DifferenceRate RatingMarket Share
Cadence Bank-0.11%(4.0)12.65%
Trustmark National Bank-0.03%(3.5)11.13%
Renasant Bank-0.00%(3.5)17.99%
BancorpSouth Bank-0.00%(3.5)24.09%
USAA0.01%(3.5)5.79%
BankFirst Financial Services0.03%(3.5)4.12%
Magnolia Bank0.05%(3.5)5.03%
Flagstar Bank0.06%(3.0)5.03%
Regions Bank0.08%(3.0)3.66%
Quicken Loans0.09%(3.0)10.52%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.07%(4.0)8.54%
BankFirst Financial Services-0.05%(3.5)6.76%
Cadence Bank-0.03%(3.5)2.49%
Renasant Bank-0.00%(3.5)12.10%
BancorpSouth Bank-0.00%(3.5)19.57%
Flagstar Bank0.00%(3.5)5.34%
USAA0.00%(3.5)1.42%
Magnolia Bank0.00%(3.5)13.17%
Quicken Loans0.03%(3.5)26.69%
Regions Bank0.05%(3.0)3.91%
Lender NameRate DifferenceRate RatingMarket Share
Cadence Bank-0.14%(4.0)12.94%
Trustmark National Bank-0.06%(4.0)7.39%
BancorpSouth Bank0.00%(3.5)25.71%
BankFirst Financial Services0.01%(3.5)7.73%
Renasant Bank0.01%(3.5)16.64%
USAA0.01%(3.5)2.18%
Flagstar Bank0.02%(3.5)5.38%
Regions Bank0.07%(3.0)5.55%
Magnolia Bank0.08%(3.0)4.71%
Quicken Loans0.09%(3.0)11.76%
Lender NameRate DifferenceRate RatingMarket Share
Cadence Bank-0.13%(4.0)17.50%
Trustmark National Bank-0.04%(3.5)7.25%
BancorpSouth Bank0.01%(3.5)26.50%
Renasant Bank0.02%(3.5)17.50%
USAA0.03%(3.5)2.75%
Flagstar Bank0.04%(3.5)5.00%
BankFirst Financial Services0.04%(3.5)6.75%
Magnolia Bank0.04%(3.5)2.75%
Regions Bank0.09%(3.0)5.75%
Quicken Loans0.10%(3.0)8.25%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.11%(4.0)7.69%
BankFirst Financial Services-0.06%(4.0)9.74%
Cadence Bank-0.04%(3.5)3.59%
Flagstar Bank-0.02%(3.5)6.15%
BancorpSouth Bank-0.02%(3.5)24.10%
Renasant Bank-0.02%(3.5)14.87%
USAA-0.01%(3.5)1.03%
Regions Bank0.05%(3.5)5.13%
Quicken Loans0.07%(3.0)18.97%
Magnolia Bank0.09%(3.0)8.72%
Lender NameRate DifferenceRate RatingMarket Share
BancorpSouth Bank-0.03%(3.5)22.53%
Renasant Bank-0.03%(3.5)19.23%
Trustmark National Bank-0.02%(3.5)18.13%
Magnolia Bank0.01%(3.5)3.85%
Quicken Loans0.03%(3.5)26.92%
Cadence Bank0.05%(3.5)2.20%
Flagstar Bank0.10%(3.0)7.14%
Lender NameRate DifferenceRate RatingMarket Share
BancorpSouth Bank-0.04%(3.5)26.39%
Renasant Bank-0.03%(3.5)22.92%
Trustmark National Bank-0.03%(3.5)20.83%
Magnolia Bank0.00%(3.5)4.17%
Cadence Bank0.05%(3.5)2.78%
Quicken Loans0.08%(3.0)15.28%
Flagstar Bank0.11%(3.0)7.64%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.01%(3.5)71.05%
Trustmark National Bank0.02%(3.5)7.89%
Renasant Bank0.02%(3.5)5.26%
BancorpSouth Bank0.03%(3.5)7.89%
Magnolia Bank0.04%(3.5)2.63%
Flagstar Bank0.07%(3.0)5.26%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank0.00%(3.5)20.00%
Cadence Bank0.00%(3.5)20.00%
Renasant Bank0.00%(3.5)40.00%
Regions Bank0.00%(3.5)20.00%
Lender NameRate DifferenceRate RatingMarket Share
Cadence Bank0.00%(3.5)50.00%
Renasant Bank0.00%(3.5)50.00%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank0.00%(3.5)33.33%
Renasant Bank0.00%(3.5)33.33%
Regions Bank0.00%(3.5)33.33%
Lender NameRate DifferenceRate RatingMarket Share
Trustmark National Bank-0.03%(3.5)12.26%
USAA-0.02%(3.5)18.71%
Magnolia Bank-0.02%(3.5)22.58%
Renasant Bank-0.01%(3.5)10.32%
Cadence Bank0.00%(3.5)5.16%
Regions Bank0.00%(3.5)0.65%
Flagstar Bank0.03%(3.5)1.94%
BancorpSouth Bank0.04%(3.5)12.26%
Quicken Loans0.05%(3.0)16.13%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.04%(3.5)24.55%
Trustmark National Bank-0.03%(3.5)12.73%
Renasant Bank-0.02%(3.5)12.73%
Cadence Bank-0.01%(3.5)7.27%
Regions Bank-0.01%(3.5)0.91%
BancorpSouth Bank0.03%(3.5)12.73%
Flagstar Bank0.04%(3.5)1.82%
Magnolia Bank0.04%(3.5)14.55%
Quicken Loans0.05%(3.5)12.73%
Lender NameRate DifferenceRate RatingMarket Share
Magnolia Bank-0.06%(4.0)42.22%
Trustmark National Bank-0.01%(3.5)11.11%
USAA0.02%(3.5)4.44%
Flagstar Bank0.03%(3.5)2.22%
Renasant Bank0.05%(3.5)4.44%
BancorpSouth Bank0.05%(3.5)11.11%
Quicken Loans0.07%(3.0)24.44%

* Data is compiled for the Starkville, MS commuting zone area, which comprises of counties of Choctaw County, MS, Clay County, MS, Lowndes County, MS, Noxubee County, MS, Oktibbeha County, MS, and Webster County, MS. This includes cities/towns/communities of Starkville, MS as well as Columbus, MS, New Hope, MS, West Point, MS, Caledonia, MS, Mississippi State, MS, Maben, MS, Mathiston, MS, Eupora, MS, Ackerman, MS, Shuqualak, MS, Brooksville, MS, Mathiston, MS, Macon, MS, and Crawford, MS. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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