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. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and 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, going by historical data, 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 (above $548,250 or $822,375 depending on the area 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
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Cadence Bank | -0.11% | 9.61% | |
| Trustmark National Bank | -0.04% | 10.35% | |
| Renasant Bank | -0.01% | 16.22% | |
| BancorpSouth Bank | -0.00% | 22.73% | |
| USAA | 0.00% | 4.48% | |
| BankFirst Financial Services | 0.00% | 4.91% | |
| Magnolia Bank | 0.03% | 7.47% | |
| Flagstar Bank | 0.04% | 5.12% | |
| Quicken Loans | 0.06% | 15.37% | |
| Regions Bank | 0.07% | 3.74% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Cadence Bank | -0.11% | 12.65% | |
| Trustmark National Bank | -0.03% | 11.13% | |
| Renasant Bank | -0.00% | 17.99% | |
| BancorpSouth Bank | -0.00% | 24.09% | |
| USAA | 0.01% | 5.79% | |
| BankFirst Financial Services | 0.03% | 4.12% | |
| Magnolia Bank | 0.05% | 5.03% | |
| Flagstar Bank | 0.06% | 5.03% | |
| Regions Bank | 0.08% | 3.66% | |
| Quicken Loans | 0.09% | 10.52% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Trustmark National Bank | -0.07% | 8.54% | |
| BankFirst Financial Services | -0.05% | 6.76% | |
| Cadence Bank | -0.03% | 2.49% | |
| Renasant Bank | -0.00% | 12.10% | |
| BancorpSouth Bank | -0.00% | 19.57% | |
| Flagstar Bank | 0.00% | 5.34% | |
| USAA | 0.00% | 1.42% | |
| Magnolia Bank | 0.00% | 13.17% | |
| Quicken Loans | 0.03% | 26.69% | |
| Regions Bank | 0.05% | 3.91% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Cadence Bank | -0.14% | 12.94% | |
| Trustmark National Bank | -0.06% | 7.39% | |
| BancorpSouth Bank | 0.00% | 25.71% | |
| BankFirst Financial Services | 0.01% | 7.73% | |
| Renasant Bank | 0.01% | 16.64% | |
| USAA | 0.01% | 2.18% | |
| Flagstar Bank | 0.02% | 5.38% | |
| Regions Bank | 0.07% | 5.55% | |
| Magnolia Bank | 0.08% | 4.71% | |
| Quicken Loans | 0.09% | 11.76% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Cadence Bank | -0.13% | 17.50% | |
| Trustmark National Bank | -0.04% | 7.25% | |
| BancorpSouth Bank | 0.01% | 26.50% | |
| Renasant Bank | 0.02% | 17.50% | |
| USAA | 0.03% | 2.75% | |
| Flagstar Bank | 0.04% | 5.00% | |
| BankFirst Financial Services | 0.04% | 6.75% | |
| Magnolia Bank | 0.04% | 2.75% | |
| Regions Bank | 0.09% | 5.75% | |
| Quicken Loans | 0.10% | 8.25% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Trustmark National Bank | -0.11% | 7.69% | |
| BankFirst Financial Services | -0.06% | 9.74% | |
| Cadence Bank | -0.04% | 3.59% | |
| Flagstar Bank | -0.02% | 6.15% | |
| BancorpSouth Bank | -0.02% | 24.10% | |
| Renasant Bank | -0.02% | 14.87% | |
| USAA | -0.01% | 1.03% | |
| Regions Bank | 0.05% | 5.13% | |
| Quicken Loans | 0.07% | 18.97% | |
| Magnolia Bank | 0.09% | 8.72% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| BancorpSouth Bank | -0.03% | 22.53% | |
| Renasant Bank | -0.03% | 19.23% | |
| Trustmark National Bank | -0.02% | 18.13% | |
| Magnolia Bank | 0.01% | 3.85% | |
| Quicken Loans | 0.03% | 26.92% | |
| Cadence Bank | 0.05% | 2.20% | |
| Flagstar Bank | 0.10% | 7.14% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| BancorpSouth Bank | -0.04% | 26.39% | |
| Renasant Bank | -0.03% | 22.92% | |
| Trustmark National Bank | -0.03% | 20.83% | |
| Magnolia Bank | 0.00% | 4.17% | |
| Cadence Bank | 0.05% | 2.78% | |
| Quicken Loans | 0.08% | 15.28% | |
| Flagstar Bank | 0.11% | 7.64% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Quicken Loans | -0.01% | 71.05% | |
| Trustmark National Bank | 0.02% | 7.89% | |
| Renasant Bank | 0.02% | 5.26% | |
| BancorpSouth Bank | 0.03% | 7.89% | |
| Magnolia Bank | 0.04% | 2.63% | |
| Flagstar Bank | 0.07% | 5.26% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Trustmark National Bank | 0.00% | 20.00% | |
| Cadence Bank | 0.00% | 20.00% | |
| Renasant Bank | 0.00% | 40.00% | |
| Regions Bank | 0.00% | 20.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Cadence Bank | 0.00% | 50.00% | |
| Renasant Bank | 0.00% | 50.00% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Trustmark National Bank | 0.00% | 33.33% | |
| Renasant Bank | 0.00% | 33.33% | |
| Regions Bank | 0.00% | 33.33% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Trustmark National Bank | -0.03% | 12.26% | |
| USAA | -0.02% | 18.71% | |
| Magnolia Bank | -0.02% | 22.58% | |
| Renasant Bank | -0.01% | 10.32% | |
| Cadence Bank | 0.00% | 5.16% | |
| Regions Bank | 0.00% | 0.65% | |
| Flagstar Bank | 0.03% | 1.94% | |
| BancorpSouth Bank | 0.04% | 12.26% | |
| Quicken Loans | 0.05% | 16.13% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| USAA | -0.04% | 24.55% | |
| Trustmark National Bank | -0.03% | 12.73% | |
| Renasant Bank | -0.02% | 12.73% | |
| Cadence Bank | -0.01% | 7.27% | |
| Regions Bank | -0.01% | 0.91% | |
| BancorpSouth Bank | 0.03% | 12.73% | |
| Flagstar Bank | 0.04% | 1.82% | |
| Magnolia Bank | 0.04% | 14.55% | |
| Quicken Loans | 0.05% | 12.73% |
| Lender Name | Rate Difference | Rate Rating | Market Share |
|---|---|---|---|
| Magnolia Bank | -0.06% | 42.22% | |
| Trustmark National Bank | -0.01% | 11.11% | |
| USAA | 0.02% | 4.44% | |
| Flagstar Bank | 0.03% | 2.22% | |
| Renasant Bank | 0.05% | 4.44% | |
| BancorpSouth Bank | 0.05% | 11.11% | |
| Quicken Loans | 0.07% | 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.
Mortgage Lender Rankings in Other Cities
This page contains information about the top mortgage lenders in the Starkville, MS area. For mortgage lender rankings in other cities, click here.