Nikki Rives

NMLS# 1456336
Tel: (662) 312-4602
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1000 Highway 12 West
Starkville, Mississippi 39759

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A native to Starkville, a graduate of Starkville High School as well as Mississippi State University, Nikki began her banking career at National Bank of Commerce in 1998. She crafted her approach to customer service while employed as Branch Manager at M&F Bank. Nikki enjoys working with first time homebuyers and diligently assisting people fulfill their dreams of homeownership. Always active in the community, she served as co-chair of the American Cancer Society’s Relay for Life for several years and also served on the board, executive committee and budget and allocations committee for United Way. Nikki is married to Randy Rives and has two sons, Chandler and Carson.

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate financial advice. Nikki has the expertise and knowledge you need to explore the many financing options available.


Check out the different loan programs available, use our decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, we will call you to discuss the details of your loan, or you may choose to set up an appointment with us using our online form. As always, you may contact us anytime by phone, fax or email for personalized service and expert advice.


See what Nikki's Customers Said:


"We wanted to thank you for everything during this process. It has been a long road, however, you made it enjoyable. Also we greatly appreciated the gift and the gift card—that was very thoughtful."


"Thank you so much for helping us get financially "home ready" a year ago. And a very LARGE THANK YOU for making our 1st purchase stress free! (Really needed with a new baby.) You went well over your job duties for us and every moment was appreciated! It was fun and memorable. Thank you again." —Jarred and Batina Miley