County directory · Mississippi

CDFI lenders in Madison County, MS

2 are headquartered here. 22 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: 2
Branch here: 22
Serve all of MS: 4

None of the lender websites we read names Madison 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: Camden, Canton, Flora, Madison, Ridgeland, Sharon.

Lenders compared for Madison County

28 with local records

Lender	Local records	Loan sizes	Head office
1. BANKPLUS Bank or thrift, Belzoni MS	7 offices here; 7 SBA loans here, FY2020–FY2026; 320 home loans here, 2025	ask	50 mi
2. Community Bank of Mississippi Bank or thrift, Flowood MS	2 offices here; 37 SBA loans here, FY2020–FY2026; 124 home loans here, 2025	ask	15 mi
3. PRIORITYONE BANK Bank or thrift, Magee MS	2 offices here; 3 SBA loans here, FY2020–FY2026; 93 home loans here, 2025	ask	52 mi
4. BankFirst Financial Services Bank or thrift, Columbus MS	1 office here; 18 SBA loans here, FY2020–FY2026; 55 home loans here, 2025	ask	123 mi
5. Citizens National Bank of Meridian Bank or thrift, Meridian MS	2 offices here; 3 SBA loans here, FY2020–FY2026; 23 home loans here, 2025	ask	85 mi
6. RiverHills Bank Bank or thrift, Vicksburg MS	1 office here; 3 SBA loans here, FY2020–FY2026; 6 home loans here, 2025	ask	45 mi
7. Guaranty Bank and Trust Company Bank or thrift, Belzoni MS	1 office here; 15 home loans here, 2025	ask	50 mi
8. Southern Bancorp Bank Bank or thrift, Arkadelphia AR	2 offices here; 12 home loans here, 2025	ask	203 mi
9. First Bank Bank or thrift, McComb MS	1 office here; 12 home loans here, 2025	ask	92 mi
10. BancPlus Corporation Bank holding company, Ridgeland MS	headquarters here; 7 offices here	ask	9 mi
11. Members Exchange Federal Credit Union Credit union, Ridgeland MS	headquarters here; 1 office here	ask	9 mi
12. HOPE FEDERAL CREDIT UNION Credit union, Jackson MS	40 home loans here, 2025	ask	18 mi
13. Merchants & Planters Bank Bank or thrift, Raymond MS	11 home loans here, 2025	ask	33 mi
14. Peoples Bank Bank or thrift, Mendenhall MS	7 SBA loans here, FY2020–FY2026	$500–$5M	45 mi
15. Bank of Commerce Bank or thrift, Greenwood MS	3 home loans here, 2025	ask	67 mi
16. Community Bancshares of Mississippi, Inc. Bank holding company, Flowood MS	2 offices here	ask	15 mi
17. PriorityOne Capital Corporation Bank holding company, Magee MS	2 offices here	ask	52 mi
18. Citizens National Banc Corp. Bank holding company, Meridian MS	2 offices here	ask	85 mi
19. First State Bank Bank or thrift, Waynesboro MS	2 offices here	ask	103 mi
20. First State Corporation Bank holding company, Waynesboro MS	2 offices here	ask	103 mi
21. SOUTHERN BANCORP INC Bank holding company, Arkadelphia AR	2 offices here	ask	203 mi
22. Magnolia Federal Credit Union Credit union, Jackson MS	1 office here	from $500	13 mi
23. Riverhills Capital Corporation Bank holding company, Vicksburg MS	1 office here	ask	45 mi
24. Guaranty Capital Corporation Bank holding company, Belzoni MS	1 office here	ask	50 mi
25. Citizens Holding Company Bank holding company, Philadelphia MS	1 office here	ask	59 mi
26. THE CITIZENS BANK OF PHILADELPHIA, MISSISSIPPI Bank or thrift, Philadelphia MS	1 office here	ask	59 mi
27. First Southwest Corporation McComb, MS Bank holding company, McComb MS	1 office here	ask	92 mi
28. BankFirst Capital Corporation Bank holding company, Columbus MS	1 office here	ask	123 mi

21 of these 28 lenders have received CDFI Fund awards, together $217.1M in fiscal years 1996–2024 (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

28 lenders

7 head offices and 119 branches or offices of 28 lenders on this page, within 35 miles of the centre of Madison County. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

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

Banks and credit unions with a branch in this county

24 certified CDFIs have at least one office in Madison 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 723 originated home loans for properties in Madison County in 2025 under the Home Mortgage Disclosure Act: 24% of the 2,962 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 Madison County

Official statistics

Median household income in Madison County is $83,441, 48% above the Mississippi figure of $56,447 (ACS 2020–2024).

Businesses here took 41.6 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: more than the median Mississippi county (19.1), rank 18 of 82.

Measure	Madison County	Mississippi
Businesses with paid employees (CBP 2023)	3,489 (5.8% of the state)	60,465
…of which under 20 employees	84%	85%
Businesses without employees (Nonemployer Statistics 2023)	13,522	253,350
Median household income (ACS 2020–2024)	$83,441 (48% above the state)	$56,447
SBA 7(a) and 504 approvals, all lenders, FY2020–FY2026	145 (143 7(a), 2 504)	2,067
…per 1,000 businesses with employees	41.6 (rank 18 of 82 Mississippi counties)	19.1 (median county)
Median SBA 7(a) loan, all lenders	$200,000	$222,350
…with a certified CDFI as lender, CDC or third-party lender	80 (55%)	1,086 (53%)
Variable-rate 7(a): median rate over prime at approval, FY2024–26	2.75 pts (37 loans; 8% at the SBA maximum)	2.5 pts (10% at the maximum)

Approvals by fiscal year: FY2020 26 · FY2021 26 · FY2022 17 · FY2023 29 · FY2024 12 · FY2025 19 · FY2026 16.

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 80 SBA approvals (79 7(a) loans and 1 504 project) for borrowers in Madison County in fiscal years 2020–2026, from 9 CDFIs. The 7(a) loans total $22.7M approved.

CDFIs with 3 or more: Community Bank of Mississippi (37), BankFirst Financial Services (18), Peoples Bank (7), BANKPLUS (7), PRIORITYONE BANK (3), RiverHills Bank (3), Citizens National Bank of Meridian (3). 2 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

1,868 loans and investments totaling $722.5M (median $176,852) were reported to the CDFI Fund for borrowers and projects in Madison County in fiscal year 2022, by 57 reporting CDFIs. More than half of these records come from a single reporting CDFI.

Purpose (CDFI Fund category)	Count	Total	Median
Home improvement	557	$98.6M	$100,000
Non-real estate business	424	$231.5M	$226,790
Home purchase	266	$108.8M	$339,192
Non-real estate microenterprise	237	$5.6M	$23,110
Real estate: commercial construction, permanent or acquisition	157	$139.8M	$354,626
Real estate: single-family housing construction	116	$52.9M	$310,800
Other purposes	111	$85.3M

Of 34 individual borrowers whose income was reported, 9% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 2,419 consumer loans in Madison County totaling $28.5M (Consumer Loan Report, tract totals, so no median); they counted 38% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 859 · FY2019 1,119 · FY2020 2,593 · FY2021 2,547.

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 Madison 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

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.