DSCR Loans in Mississippi
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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Dominick Prevete arranges DSCR loans across Mississippi, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.125% (October 2026), and most close in 14 days. In 2025 HMDA data, 295 lenders made 5,868 investment-property loans in Mississippi; the most active are in the table below.
Mississippi investor market at a glance
| Statistic | Mississippi | 26 states | State rank |
|---|---|---|---|
| Investor loans | 5,868 | 461,927 | 24th of 26 |
| Reporting lenders | 295 | 3,509 | 25th of 26 |
| Loan volume | $863.0M | $163.80B | 25th of 26 |
| Average loan | $147K | $355K | 26th of 26 |
| Median loan | $115K | — | 26th of 26 |
| Purchases | 50.1% | 58.8% | 26th of 26 |
| Cash-out refinances | 7.9% | 19.8% | 26th of 26 |
| 2–4 unit properties | 13.0% | 16.5% | 15th of 26 |
| Top five lenders' share | 34.2% | 22.1% | 2nd of 26 |
| Reported business-purpose | 72.3% | 72.6% | 11th of 26 |
Mississippi: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 26 states with published data. The 26-state figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Mississippi
The five most active lenders wrote 34.2% of Mississippi's investor loans, the second-highest share of the 26 states with published data (26-state figure: 22.1%).
Five lenders write 34.2% of the loans here, so comparing written term sheets matters more.
The average investor loan in Mississippi was $147K, the lowest average of the 26 states with published data (26-state figure: $355K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Mississippi?
The most active investment-property lenders in Mississippi in 2025 HMDA data were Community Bank of Mississippi, BankPlus and Renasant Bank, out of 295 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Mississippi, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Mississippi's 2025 filings to closed-end loans on 1–4 unit investment properties: 5,868 loans totaling $0.86B across 295 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community Bank of Mississippi | 808 | $88.6M | $110K | 31.3% |
| BankPlus | 361 | $70.2M | $194K | 51.2% |
| Renasant Bank | 282 | $39.4M | $140K | 41.5% |
| Guaranty Bank and Trust Company | 280 | $41.2M | $147K | 62.9% |
| BankFirst Financial Services | 277 | $40.0M | $144K | 50.5% |
| Cadence Bank | 249 | $41.3M | $166K | 46.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 198 | $21.3M | $108K | 67.2% |
| BPL MORTGAGE TRUST, LLC | 164 | $17.7M | $108K | 39.0% |
| Planters Bank & Trust Company | 145 | $13.4M | $92K | 35.2% |
| Trustmark National Bank | 138 | $17.8M | $129K | 39.1% |
| LEI:529900YKD9FOL6BFSG98 | 123 | $11.9M | $97K | 33.3% |
| Citizens Bank | 117 | $9.8M | $84K | 29.9% |
| The Citizens Bank of Philadelphia, Mississippi | 104 | $16.1M | $154K | 36.5% |
| PriorityOne Bank | 85 | $15.2M | $179K | 62.4% |
| Loan Funder LLC | 84 | $14.9M | $178K | 35.7% |
| First Bank | 84 | $11.6M | $138K | 56.0% |
| Bank of Holly Springs | 78 | $8.8M | $112K | 55.1% |
| First Security Bank, Batesville, Mississippi | 75 | $16.6M | $221K | 69.3% |
| The Citizens National Bank of Meridian | 70 | $8.7M | $125K | 42.9% |
| Southern Bancorp Bank | 67 | $11.2M | $167K | 61.2% |
| Rocket Mortgage, LLC | 65 | $9.6M | $148K | 36.9% |
| LEI:254900CRPFBFJUTD8P12 | 57 | $8.4M | $148K | 61.4% |
| Peoples Bank | 56 | $6.5M | $117K | 64.3% |
| Copiah Bank | 52 | $5.3M | $102K | 51.9% |
| Bank of Yazoo City | 50 | $7.7M | $154K | 38.0% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved October 31, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 295 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Mississippi lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Mississippi deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Mississippi property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Mississippi's at-a-glance figures, its rank among the 26 states, its observations and the Quick Read's 295 lenders and 5,868 loans: 2025 HMDA loan-level data.
- Mississippi investor-lender dataset (CSV) — Every Mississippi lender behind the table above, with volume, average loan and purchase share for each.
- Mississippi investor lending data, Dominick Prevete — The Mississippi table on its own, with the state's concentration figures and the method behind them.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.125%, as of October 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.