County directory · Mississippi

CDFI lenders in Jackson County, MS

4 are headquartered here. 4 more have a bank or credit-union branch here. 4 more say they serve all of Mississippi. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.

Name this county: 0
Based here: 4
Branch here: 4
Serve all of MS: 4

None of the lender websites we read names Jackson County; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Escatawpa, Gautier, Hurley, Moss Point, Ocean Springs, Pascagoula, Vancleave.

Lenders compared for Jackson County

13 with local records

Lender	Local records	Loan sizes	Head office
1. Merchants & Marine Bank Bank or thrift, Pascagoula MS	headquarters here; 9 offices here; 8 SBA loans here, FY2020–FY2026; 40 home loans here, 2025	ask	7 mi
2. Community Bank of Mississippi Bank or thrift, Flowood MS	2 offices here; 4 SBA loans here, FY2020–FY2026; 154 home loans here, 2025	ask	157 mi
3. First Federal Savings & Loan Association of Pascagoula-Moss Point Bank or thrift, Pascagoula MS	headquarters here; 6 offices here; 83 home loans here, 2025	ask	7 mi
4. Singing River Federal Credit Union Credit union, Moss Point MS	headquarters here; 5 offices here; 27 home loans here, 2025	ask	10 mi
5. THE CITIZENS BANK OF PHILADELPHIA, MISSISSIPPI Bank or thrift, Philadelphia MS	3 offices here; 27 home loans here, 2025	ask	162 mi
6. Merchants & Marine Bancorp, Inc. Bank holding company, Pascagoula MS	headquarters here; 9 offices here	ask	7 mi
7. HOPE FEDERAL CREDIT UNION Credit union, Jackson MS	18 home loans here, 2025	ask	158 mi
8. BankFirst Financial Services Bank or thrift, Columbus MS	9 home loans here, 2025	ask	211 mi
9. BANKPLUS Bank or thrift, Belzoni MS	9 home loans here, 2025	ask	219 mi
10. First State Bank Bank or thrift, Waynesboro MS	4 home loans here, 2025	ask	85 mi
11. Peoples Bank Bank or thrift, Mendenhall MS	3 home loans here, 2025	$500–$5M	126 mi
12. Citizens Holding Company Bank holding company, Philadelphia MS	3 offices here	ask	162 mi
13. Community Bancshares of Mississippi, Inc. Bank holding company, Flowood MS	2 offices here	ask	157 mi

9 of these 13 lenders have received CDFI Fund awards, together $104.2M in fiscal years 2000–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.

Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.

Where these lenders have offices

12 lenders

5 head offices and 56 branches or offices of 12 lenders on this page, within 30 miles of the centre of Jackson County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

Home mortgages (3 lenders)
Auto / vehicle loans (2 lenders)
Personal / consumer loans (2 lenders)
Small-business loans (2 lenders)
Commercial real estate loans (1 lender)
Equipment loans (1 lender)
SBA-backed loans (7(a)/504/Community Advantage) (1 lender)

Banks and credit unions with a branch in this county

8 certified CDFIs have at least one office in Jackson County (FDIC office data as of 30 Oct 2026 and NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.

CDFI mortgage lenders active here

Certified CDFIs reported 382 originated home loans for properties in Jackson County in 2025 under the Home Mortgage Disclosure Act: 12% of the 3,272 home loans that all HMDA lenders reported here.

Plus 7 more certified CDFIs with fewer than 3 loans here each (not listed).

A lender headquartered far away can appear here: HMDA counts the county of the property, not of the lender. Banks and credit unions below the HMDA reporting thresholds and most loan funds do not report, so other CDFIs may also lend here.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

Small business and SBA lending in Jackson County

Official statistics

Median household income in Jackson County is $66,201, 17% above the Mississippi figure of $56,447 (ACS 2020–2024).

Businesses here took 28.4 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Mississippi county (19.1), rank 29 of 82.

Measure	Jackson County	Mississippi
Businesses with paid employees (CBP 2023)	2,358 (3.9% of the state)	60,465
…of which under 20 employees	86%	85%
Businesses without employees (Nonemployer Statistics 2023)	11,242	253,350
Median household income (ACS 2020–2024)	$66,201 (17% above the state)	$56,447
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	67 (65 7(a), 2 504)	2,067
…per 1,000 businesses with employees	28.4 (rank 29 of 82 Mississippi counties)	19.1 (median county)
Median SBA 7(a) loan, all lenders	$275,000	$222,350
…with a certified CDFI as lender, CDC or third-party lender	20 (30%)	1,086 (53%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (27 loans; 4% at the SBA maximum)	2.5 pts (10% at the maximum)

Approvals by fiscal year: FY2020 6 · FY2021 12 · FY2022 6 · FY2023 12 · FY2024 17 · FY2025 8 · FY2026 6.

For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).

Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.

SBA loans made here by CDFIs

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 20 SBA approvals (19 7(a) loans and 1 504 project) for borrowers in Jackson County in fiscal years 2020–2026, from 7 CDFIs. The 7(a) loans total $10M approved.

CDFIs with 3 or more: Merchants & Marine Bank (8), Community Bank of Mississippi (4). 5 more CDFIs made 1 or 2 each.

Counted by the county of the borrower's ZIP code. Approval is not disbursement. These are only the SBA loans of certified CDFIs; most SBA lenders here are not CDFIs, and CDFIs also lend outside SBA programs.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

CDFI lending recorded here (FY2022)

CDFI Fund data, released Dec 2024

569 loans and investments totaling $199.3M (median $127,189) were reported to the CDFI Fund for borrowers and projects in Jackson County in fiscal year 2022, by 24 reporting CDFIs.

Purpose (CDFI Fund category)	Count	Total	Median
Home purchase	266	$54.2M	$158,675
Non-real estate microenterprise	94	$2.5M	$23,860
Non-real estate business	60	$20M	$166,342
Real estate: commercial construction, permanent or acquisition	50	$60.7M	$524,168
Real estate: single-family housing rehabilitation	33	$50.2M	$70,550
None of the listed purposes	31	$4.1M	$64,000
Other purposes	34	$7.5M

Of 34 individual borrowers whose income was reported, 91% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 1,037 consumer loans in Jackson County totaling $9.1M (Consumer Loan Report, tract totals, so no median); they counted 12% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 192 · FY2019 180 · FY2020 256 · FY2021 419.

Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.

Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.

Headquartered in Jackson County

The official list gives a headquarters address here. Check each lender's page for where it lends.

Say they serve all of Mississippi

Free help before you apply

These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.

Business advice

Housing counseling

Community Action of South Mississippi (Formerly Jackson County Civic Action Committee, Inc.)HUD-approved housing counselor · 5343 Jefferson Ave, Moss Point, MS 39563228-769-3317

Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.