Top Mortgage Lenders in the Starkville, MS area

Which mortgage lender in the Starkville, MS area typically has the best rates? To help you narrow down where to shop for a mortgage, we provide a data driven ranking of mortgage lenders in the Starkville, MS area by interest rate and market share. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings. We do not receive any compensation from lenders and strive to provide the most objective and authoritative ranking possible.

Based on our data, the cheapest overall lender in the Starkville, MS area is Cadence Bank, with a “Rate Rank” of 1 and an average “Rate Difference” of -0.11%. This means that Cadence Bank provided a -0.11% lower interest rate for its customers than other lenders in Starkville, MS for a similar set of borrowers. Cadence Bank has a market share of 9.6%. On the other hand, the most popular lender in the market is BancorpSouth Bank, with a market share of 22.7%. BancorpSouth Bank is an average rate lender in this area, with a “Rate Difference” of -0.00% relative to those of other lenders.

Our detailed rankings of the mortgage lenders for 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 $510,400 in 2020), 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. To get the lowest rate for your mortgage, we would suggest shopping and negotiating among several of our top ranked lenders by “Rate Rank” for your desired mortgage type and purpose.

Mortgage Type:
Purchase/Refinance:
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cadence Bank 1, -0.11% 9.61%
Trustmark National Bank 2, -0.04% 10.35%
Renasant Bank 3, -0.01% 16.22%
BancorpSouth Bank 4, -0.00% 22.73%
Usaa Federal Savings Bank 5, 0.00% 4.48%
BankFirst Financial Services 6, 0.00% 4.91%
Magnolia Bank Incorporated 7, 0.03% 7.47%
Flagstar Bank 8, 0.04% 5.12%
Quicken Loans 9, 0.06% 15.37%
Regions Bank 10, 0.07% 3.74%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cadence Bank 1, -0.11% 12.65%
Trustmark National Bank 2, -0.03% 11.13%
Renasant Bank 3, -0.00% 17.99%
BancorpSouth Bank 4, -0.00% 24.09%
Usaa Federal Savings Bank 5, 0.01% 5.79%
BankFirst Financial Services 6, 0.03% 4.12%
Magnolia Bank Incorporated 7, 0.05% 5.03%
Flagstar Bank 8, 0.06% 5.03%
Regions Bank 9, 0.08% 3.66%
Quicken Loans 10, 0.09% 10.52%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Trustmark National Bank 1, -0.07% 8.54%
BankFirst Financial Services 2, -0.05% 6.76%
Cadence Bank 3, -0.03% 2.49%
Renasant Bank 4, -0.00% 12.10%
BancorpSouth Bank 5, -0.00% 19.57%
Flagstar Bank 6, 0.00% 5.34%
Usaa Federal Savings Bank 7, 0.00% 1.42%
Magnolia Bank Incorporated 8, 0.00% 13.17%
Quicken Loans 9, 0.03% 26.69%
Regions Bank 10, 0.05% 3.91%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cadence Bank 1, -0.14% 12.94%
Trustmark National Bank 2, -0.06% 7.39%
BancorpSouth Bank 3, 0.00% 25.71%
BankFirst Financial Services 4, 0.01% 7.73%
Renasant Bank 5, 0.01% 16.64%
Usaa Federal Savings Bank 6, 0.01% 2.18%
Flagstar Bank 7, 0.02% 5.38%
Regions Bank 8, 0.07% 5.55%
Magnolia Bank Incorporated 9, 0.08% 4.71%
Quicken Loans 10, 0.09% 11.76%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cadence Bank 1, -0.13% 17.50%
Trustmark National Bank 2, -0.04% 7.25%
BancorpSouth Bank 3, 0.01% 26.50%
Renasant Bank 4, 0.02% 17.50%
Usaa Federal Savings Bank 5, 0.03% 2.75%
Flagstar Bank 6, 0.04% 5.00%
BankFirst Financial Services 7, 0.04% 6.75%
Magnolia Bank Incorporated 8, 0.04% 2.75%
Regions Bank 9, 0.09% 5.75%
Quicken Loans 10, 0.10% 8.25%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Trustmark National Bank 1, -0.11% 7.69%
BankFirst Financial Services 2, -0.06% 9.74%
Cadence Bank 3, -0.04% 3.59%
Flagstar Bank 4, -0.02% 6.15%
BancorpSouth Bank 5, -0.02% 24.10%
Renasant Bank 6, -0.02% 14.87%
Usaa Federal Savings Bank 7, -0.01% 1.03%
Regions Bank 8, 0.05% 5.13%
Quicken Loans 9, 0.07% 18.97%
Magnolia Bank Incorporated 10, 0.09% 8.72%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
BancorpSouth Bank 1, -0.03% 22.53%
Renasant Bank 2, -0.03% 19.23%
Trustmark National Bank 3, -0.02% 18.13%
Magnolia Bank Incorporated 4, 0.01% 3.85%
Quicken Loans 5, 0.03% 26.92%
Cadence Bank 6, 0.05% 2.20%
Flagstar Bank 7, 0.10% 7.14%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
BancorpSouth Bank 1, -0.04% 26.39%
Renasant Bank 2, -0.03% 22.92%
Trustmark National Bank 3, -0.03% 20.83%
Magnolia Bank Incorporated 4, 0.00% 4.17%
Cadence Bank 5, 0.05% 2.78%
Quicken Loans 6, 0.08% 15.28%
Flagstar Bank 7, 0.11% 7.64%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Quicken Loans 1, -0.01% 71.05%
Trustmark National Bank 2, 0.02% 7.89%
Renasant Bank 3, 0.02% 5.26%
BancorpSouth Bank 4, 0.03% 7.89%
Magnolia Bank Incorporated 5, 0.04% 2.63%
Flagstar Bank 6, 0.07% 5.26%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Trustmark National Bank 1, 0.00% 20.00%
Cadence Bank 2, 0.00% 20.00%
Renasant Bank 3, 0.00% 40.00%
Regions Bank 4, 0.00% 20.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Cadence Bank 1, 0.00% 50.00%
Renasant Bank 2, 0.00% 50.00%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Trustmark National Bank 1, 0.00% 33.33%
Renasant Bank 2, 0.00% 33.33%
Regions Bank 3, 0.00% 33.33%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Trustmark National Bank 1, -0.03% 12.26%
Usaa Federal Savings Bank 2, -0.02% 18.71%
Magnolia Bank Incorporated 3, -0.02% 22.58%
Renasant Bank 4, -0.01% 10.32%
Cadence Bank 5, 0.00% 5.16%
Regions Bank 6, 0.00% 0.65%
Flagstar Bank 7, 0.03% 1.94%
BancorpSouth Bank 8, 0.04% 12.26%
Quicken Loans 9, 0.05% 16.13%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Usaa Federal Savings Bank 1, -0.04% 24.55%
Trustmark National Bank 2, -0.03% 12.73%
Renasant Bank 3, -0.02% 12.73%
Cadence Bank 4, -0.01% 7.27%
Regions Bank 5, -0.01% 0.91%
BancorpSouth Bank 6, 0.03% 12.73%
Flagstar Bank 7, 0.04% 1.82%
Magnolia Bank Incorporated 8, 0.04% 14.55%
Quicken Loans 9, 0.05% 12.73%
Lender Name Rate Rank, Rate Difference Rate Rating Market Share
Magnolia Bank Incorporated 1, -0.06% 42.22%
Trustmark National Bank 2, -0.01% 11.11%
Usaa Federal Savings Bank 3, 0.02% 4.44%
Flagstar Bank 4, 0.03% 2.22%
Renasant Bank 5, 0.05% 4.44%
BancorpSouth Bank 6, 0.05% 11.11%
Quicken Loans 7, 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 for the data comes from 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 based on the MSA, 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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