Bancorpsouth Mortgage Rates, Fees & Info
Tupelo, MSLEI: Q7C315HKI8VX0SSKBS64
Tax ID: 64-0117230
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Mortgage Data
Review & Overview
Bancorpsouth is a mid-sized mortgage company specializing in Home Purchase loans. Bancorpsouth has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Houston, Dallas, Birmingham, Memphis, and Jackson among others. We have data for 234 markets. (Some data included below & more in-depth data is available with an active subscription.)Bancorpsouth has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bancorpsouth is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.72% | 4/5/25 |
| 30 Year Conventional Purchase | 6.69% | 4/5/25 |
| 30 Year Conventional Refi | 6.83% | 4/5/25 |
| 30 Year Cash-out Refi | 7.23% | 4/5/25 |
| 30 Year FHA Purchase | 7.01% | 4/5/25 |
| 30 Year FHA Refi | 7.54% | 4/5/25 |
| 30 Year VA Purchase | 6.43% | 4/5/25 |
| 30 Year VA Refi | 6.08% | 4/5/25 |
| 30 Year USDA Purchase | 6.90% | 4/5/25 |
| 15 Year Conventional Purchase | 5.64% | 4/5/25 |
| 15 Year Conventional Refi | 6.98% | 4/5/25 |
| 15 Year Cash-out Refi | 6.98% | 4/5/25 |
| 15 Year FHA Purchase | 6.00% | 4/5/25 |
| 15 Year FHA Refi | 7.71% | 4/5/25 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Bancorpsouth Mortgage Calculator
Your Estimates
Estimated Loan Payment: Update the calculator values and click calculate payment!
This is not an official calculator from Bancorpsouth. It uses our SimulatedRate™
technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.
The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
12,823Origination Dollar Volume (All Markets)
$3,677,595,000Awards
BancorpSouth - 2024
BancorpSouth is a 2024 , due to their low .
For 2024, less than of lenders were eligible for this award.
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Relative Rate
Bancorpsouth's average 30 year fixed mortgage rate was
6.43%.
The 2024 average 30 year fixed rate mortgage across all markets and lenders was 6.55%.
This yields a difference of -0.12%.
Relative Fees (Closing Costs)
Bancorpsouth's average total fees/closing costs for a 30 year fixed rate
mortgage were $7,369.
The average total origination fees for 30 year fixed rate mortgages across all lenders (for all loan values, including
both points & up-front fees in addition to origination fees) were $8,356.
Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 1,218 | $672,180,000 | $551,872 | $8,992 | 6.07% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 525 | $323,395,000 | $615,990 | $11,094 | 6.94% |
| BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) | 637 | $208,895,000 | $327,936 | $5,612 | 7.41% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1,012 | $202,570,000 | $200,168 | $5,911 | 7.15% |
| JACKSON, MS (FHA|USDA|VA) | 959 | $174,375,000 | $181,830 | $5,893 | 6.98% |
| AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) | 331 | $157,035,000 | $474,426 | $7,498 | 5.87% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 447 | $154,625,000 | $345,917 | $5,935 | 7.36% |
| Outside of Metro Areas | 810 | $143,590,000 | $177,272 | $5,314 | 7.52% |
| GULFPORT-BILOXI, MS (FHA|USDA|VA) | 456 | $101,360,000 | $222,281 | $5,003 | 7.77% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 226 | $83,710,000 | $370,398 | $8,753 | 6.91% |
| KILLEEN-TEMPLE, TX (FHA|USDA|VA) | 238 | $73,710,000 | $309,706 | $6,712 | 7.04% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 304 | $67,660,000 | $222,566 | $4,650 | 7.46% |
| DAPHNE-FAIRHOPE-FOLEY, AL (FHA|USDA|VA) | 182 | $65,080,000 | $357,582 | $5,504 | 7.61% |
| Tupelo, MS (FHA|USDA|VA) | 439 | $57,315,000 | $130,558 | $4,288 | 7.71% |
| CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) | 101 | $56,515,000 | $559,554 | $10,373 | 7.39% |
| LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) | 202 | $55,920,000 | $276,832 | $4,999 | 7.65% |
| TUSCALOOSA, AL (FHA|USDA|VA) | 125 | $45,945,000 | $367,560 | $6,459 | 7.23% |
| SHREVEPORT-BOSSIER CITY, LA (FHA|USDA|VA) | 226 | $37,660,000 | $166,637 | $5,677 | 7.63% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 92 | $35,930,000 | $390,543 | $8,233 | 7.11% |
| HUNTSVILLE, AL (FHA|USDA|VA) | 160 | $35,650,000 | $222,813 | $5,313 | 7.74% |
| AUGUSTA-RICHMOND COUNTY, GA-SC (FHA|USDA|VA) | 137 | $33,445,000 | $244,124 | $7,179 | 7.13% |
| MOBILE, AL (FHA|USDA|VA) | 170 | $32,750,000 | $192,647 | $4,718 | 7.64% |
| Starkville, MS (FHA|USDA|VA) | 150 | $29,290,000 | $195,267 | $5,168 | 7.15% |
| JACKSON, TN (FHA|USDA|VA) | 208 | $29,070,000 | $139,760 | $4,335 | 7.92% |
| HATTIESBURG, MS (FHA|USDA|VA) | 195 | $28,765,000 | $147,513 | $4,207 | 7.80% |
| TYLER, TX (FHA|USDA|VA) | 78 | $27,280,000 | $349,744 | $6,346 | 7.28% |
| BATON ROUGE, LA (FHA|USDA|VA) | 117 | $26,335,000 | $225,085 | $5,482 | 7.90% |
| FORT SMITH, AR-OK (FHA|USDA|VA) | 196 | $25,480,000 | $130,000 | $4,045 | 7.41% |
| Oxford, MS (FHA|USDA|VA) | 114 | $24,860,000 | $218,070 | $4,822 | 7.73% |
| LONGVIEW, TX (FHA|USDA|VA) | 117 | $24,455,000 | $209,017 | $7,014 | 7.33% |
| CHATTANOOGA, TN-GA (FHA|USDA|VA) | 78 | $22,860,000 | $293,077 | $6,123 | 7.25% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 86 | $22,750,000 | $264,535 | $4,546 | 7.60% |
| TEXARKANA, TX-AR (FHA|USDA|VA) | 85 | $22,415,000 | $263,706 | $5,218 | 8.02% |
| SAN ANTONIO-NEW BRAUNFELS, TX (FHA|USDA|VA) | 31 | $21,725,000 | $700,806 | $11,083 | 7.05% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 18 | $20,740,000 | $1,152,222 | $12,792 | 6.81% |
| SHERMAN-DENISON, TX (FHA|USDA|VA) | 47 | $20,095,000 | $427,553 | $11,999 | 7.34% |
| MACON-BIBB COUNTY, GA (FHA|USDA|VA) | 99 | $19,325,000 | $195,202 | $6,244 | 7.15% |
| PANAMA CITY, FL (FHA|USDA|VA) | 53 | $19,175,000 | $361,792 | $7,043 | 7.32% |
| ATHENS-CLARKE COUNTY, GA (FHA|USDA|VA) | 29 | $18,455,000 | $636,379 | $8,996 | 7.41% |
| LAFAYETTE, LA (FHA|USDA|VA) | 98 | $16,320,000 | $166,531 | $5,073 | 8.02% |
| WACO, TX (FHA|USDA|VA) | 67 | $15,935,000 | $237,836 | $6,582 | 7.64% |
| ST. LOUIS, MO-IL (FHA|USDA|VA) | 66 | $15,320,000 | $232,121 | $4,473 | 7.09% |
| MONROE, LA (FHA|USDA|VA) | 98 | $14,430,000 | $147,245 | $5,928 | 8.16% |
| NEW ORLEANS-METAIRIE, LA (FHA|USDA|VA) | 35 | $13,935,000 | $398,143 | $8,552 | 7.13% |
| Columbus, MS (FHA|USDA|VA) | 90 | $13,450,000 | $149,444 | $4,571 | 7.30% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 27 | $11,135,000 | $412,407 | $7,228 | 7.46% |
| CLEVELAND, TN (FHA|USDA|VA) | 42 | $10,810,000 | $257,381 | $6,004 | 6.79% |
| Nacogdoches, TX (FHA|USDA|VA) | 64 | $10,680,000 | $166,875 | $5,809 | 7.49% |
| Albertville, AL (FHA|USDA|VA) | 84 | $10,530,000 | $125,357 | $3,624 | 8.11% |
| Laurel, MS (FHA|USDA|VA) | 93 | $9,635,000 | $103,602 | $4,762 | 7.99% |
| PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) | 33 | $9,585,000 | $290,455 | $6,763 | 7.32% |
| HOT SPRINGS, AR (FHA|USDA|VA) | 20 | $9,530,000 | $476,500 | $4,777 | 7.98% |
| MONTGOMERY, AL (FHA|USDA|VA) | 32 | $8,160,000 | $255,000 | $5,867 | 7.45% |
| JONESBORO, AR (FHA|USDA|VA) | 70 | $7,780,000 | $111,143 | $3,125 | 8.13% |
| Vicksburg, MS (FHA|USDA|VA) | 74 | $7,700,000 | $104,054 | $4,502 | 6.95% |
| WARNER ROBINS, GA (FHA|USDA|VA) | 37 | $7,555,000 | $204,189 | $6,560 | 7.50% |
| Corinth, MS (FHA|USDA|VA) | 72 | $7,330,000 | $101,806 | $3,758 | 8.11% |
| Lufkin, TX (FHA|USDA|VA) | 41 | $7,055,000 | $172,073 | $6,158 | 7.96% |
| Scottsboro, AL (FHA|USDA|VA) | 35 | $6,575,000 | $187,857 | $4,812 | 7.72% |
| Alexander City, AL (FHA|USDA|VA) | 11 | $6,385,000 | $580,455 | $5,579 | 6.92% |
| ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) | 10 | $6,050,000 | $605,000 | $11,254 | 6.70% |
| Huntsville, TX (FHA|USDA|VA) | 8 | $5,850,000 | $731,250 | $13,229 | 6.78% |
| West Point, MS (FHA|USDA|VA) | 61 | $5,805,000 | $95,164 | $4,024 | 7.69% |
| AUBURN-OPELIKA, AL (FHA|USDA|VA) | 28 | $5,130,000 | $183,214 | $4,891 | 7.63% |
| LAKE CHARLES, LA (FHA|USDA|VA) | 16 | $5,050,000 | $315,625 | $7,762 | 7.69% |
| CORPUS CHRISTI, TX (FHA|USDA|VA) | 6 | $4,770,000 | $795,000 | $7,845 | 6.52% |
| Athens, TX (FHA|USDA|VA) | 8 | $4,530,000 | $566,250 | $9,428 | 6.86% |
| Paragould, AR (FHA|USDA|VA) | 43 | $4,405,000 | $102,442 | $3,303 | 8.04% |
| Bonham, TX (FHA|USDA|VA) | 7 | $4,385,000 | $626,429 | $14,339 | 7.18% |
| GADSDEN, AL (FHA|USDA|VA) | 31 | $4,355,000 | $140,484 | $4,462 | 7.91% |
| Cleveland, MS (FHA|USDA|VA) | 30 | $4,300,000 | $143,333 | $5,163 | 6.00% |
| Mineral Wells, TX (FHA|USDA|VA) | 2 | $4,270,000 | $2,135,000 | $16,363 | 7.00% |
| Grenada, MS (FHA|USDA|VA) | 39 | $4,045,000 | $103,718 | $4,369 | 6.96% |
| GAINESVILLE, GA (FHA|USDA|VA) | 13 | $3,945,000 | $303,462 | $0 | 8.39% |
| ALEXANDRIA, LA (FHA|USDA|VA) | 25 | $3,865,000 | $154,600 | $3,835 | 7.80% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 5 | $3,785,000 | $757,000 | $6,209 | 6.55% |
| COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) | 10 | $3,670,000 | $367,000 | $8,675 | 7.50% |
| El Dorado, AR (FHA|USDA|VA) | 30 | $3,550,000 | $118,333 | $4,775 | 7.40% |
| KNOXVILLE, TN (FHA|USDA|VA) | 8 | $3,320,000 | $415,000 | $10,682 | 6.64% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 5 | $3,175,000 | $635,000 | $6,946 | 7.03% |
| MCALLEN-EDINBURG-MISSION, TX (FHA|USDA|VA) | 5 | $3,135,000 | $627,000 | $13,105 | 7.00% |
| Edwards, CO (FHA|USDA|VA) | 2 | $3,120,000 | $1,560,000 | $5,220 | 6.50% |
| SAVANNAH, GA (FHA|USDA|VA) | 11 | $3,085,000 | $280,455 | $8,030 | 7.25% |
| Big Spring, TX (FHA|USDA|VA) | 1 | $3,005,000 | $3,005,000 | $0 | 7.79% |
| Seneca, SC (FHA|USDA|VA) | 1 | $2,995,000 | $2,995,000 | $19,617 | 6.75% |
| HILTON HEAD ISLAND-BLUFFTON, SC (FHA|USDA|VA) | 6 | $2,930,000 | $488,333 | $6,393 | 7.65% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 7 | $2,925,000 | $417,857 | $8,318 | 7.18% |
| GREENVILLE-ANDERSON, SC (FHA|USDA|VA) | 5 | $2,915,000 | $583,000 | $8,233 | 6.43% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 8 | $2,910,000 | $363,750 | $0 | 8.00% |
| Hope, AR (FHA|USDA|VA) | 33 | $2,895,000 | $87,727 | $5,168 | 7.92% |
| Fort Payne, AL (FHA|USDA|VA) | 16 | $2,820,000 | $176,250 | $2,456 | 8.17% |
| Camden, AR (FHA|USDA|VA) | 29 | $2,785,000 | $96,034 | $3,465 | 8.00% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $2,760,000 | $1,380,000 | $8,492 | 6.63% |
| DECATUR, AL (FHA|USDA|VA) | 12 | $2,740,000 | $228,333 | $2,022 | 8.13% |
| HOMOSASSA SPRINGS, FL (FHA|USDA|VA) | 16 | $2,710,000 | $169,375 | $4,272 | 7.71% |
| BEAUMONT-PORT ARTHUR, TX (FHA|USDA|VA) | 10 | $2,400,000 | $240,000 | $5,700 | 7.39% |
| DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) | 5 | $2,395,000 | $479,000 | $10,026 | 6.68% |
| Dyersburg, TN (FHA|USDA|VA) | 9 | $2,355,000 | $261,667 | $4,995 | 6.25% |
| Brenham, TX (FHA|USDA|VA) | 5 | $2,165,000 | $433,000 | $9,622 | 6.35% |
| OKLAHOMA CITY, OK (FHA|USDA|VA) | 8 | $2,130,000 | $266,250 | $3,978 | 7.00% |
| Ruston, LA (FHA|USDA|VA) | 10 | $2,130,000 | $213,000 | $9,205 | 7.91% |
| LEXINGTON-FAYETTE, KY (FHA|USDA|VA) | 4 | $2,100,000 | $525,000 | $10,303 | 6.31% |
| LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) | 5 | $2,095,000 | $419,000 | $5,873 | 6.75% |
| ASHEVILLE, NC (FHA|USDA|VA) | 3 | $2,015,000 | $671,667 | $6,631 | 6.83% |
| Meridian, MS (FHA|USDA|VA) | 9 | $1,925,000 | $213,889 | $6,422 | 6.15% |
| Martin, TN (FHA|USDA|VA) | 22 | $1,880,000 | $85,455 | $5,063 | 8.13% |
| Fredericksburg, TX (FHA|USDA|VA) | 2 | $1,850,000 | $925,000 | $13,730 | 6.56% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 10 | $1,770,000 | $177,000 | $6,846 | 7.33% |
| LOUISVILLE, KY (FHA|USDA|VA) | 2 | $1,640,000 | $820,000 | $9,239 | 6.69% |
| EL PASO, TX (FHA|USDA|VA) | 4 | $1,640,000 | $410,000 | $5,785 | 6.69% |
| PORT ST. LUCIE, FL (FHA|USDA|VA) | 2 | $1,610,000 | $805,000 | $9,021 | 7.13% |
| ABILENE, TX (FHA|USDA|VA) | 4 | $1,590,000 | $397,500 | $6,926 | 6.78% |
| COLUMBUS, GA-AL (FHA|USDA|VA) | 4 | $1,540,000 | $385,000 | $0 | 8.14% |
| Athens, TN (FHA|USDA|VA) | 7 | $1,495,000 | $213,571 | $6,870 | 6.64% |
| Picayune, MS (FHA|USDA|VA) | 5 | $1,475,000 | $295,000 | $9,782 | 6.58% |
| Cullman, AL (FHA|USDA|VA) | 6 | $1,470,000 | $245,000 | $6,202 | 7.63% |
| JOPLIN, MO (FHA|USDA|VA) | 6 | $1,410,000 | $235,000 | $4,130 | 7.96% |
| Milledgeville, GA (FHA|USDA|VA) | 3 | $1,375,000 | $458,333 | $7,017 | 6.42% |
| HAMMOND, LA (FHA|USDA|VA) | 3 | $1,365,000 | $455,000 | $9,903 | 7.50% |
| Steamboat Springs, CO (FHA|USDA|VA) | 1 | $1,325,000 | $1,325,000 | $4,451 | 6.75% |
| VICTORIA, TX (FHA|USDA|VA) | 1 | $1,305,000 | $1,305,000 | $13,565 | 6.75% |
| VIRGINIA BEACH-NORFOLK-NEWPORT NEWS, VA-NC (FHA|USDA|VA) | 2 | $1,290,000 | $645,000 | $6,099 | 6.81% |
| TALLAHASSEE, FL (FHA|USDA|VA) | 2 | $1,180,000 | $590,000 | $7,374 | 6.56% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 5 | $1,175,000 | $235,000 | $4,754 | 7.55% |
| Cookeville, TN (FHA|USDA|VA) | 5 | $1,165,000 | $233,000 | $7,197 | 7.41% |
| PUNTA GORDA, FL (FHA|USDA|VA) | 6 | $1,150,000 | $191,667 | $14,357 | 7.25% |
| Bay City, TX (FHA|USDA|VA) | 3 | $1,135,000 | $378,333 | $6,891 | 7.13% |
| Searcy, AR (FHA|USDA|VA) | 5 | $1,105,000 | $221,000 | $3,226 | 7.90% |
| RICHMOND, VA (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $7,222 | 6.81% |
| LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) | 2 | $1,070,000 | $535,000 | $4,336 | 6.38% |
| KINGSPORT-BRISTOL, TN-VA (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $5,955 | 6.38% |
| TULSA, OK (FHA|USDA|VA) | 4 | $1,060,000 | $265,000 | $7,598 | 7.14% |
| LUBBOCK, TX (FHA|USDA|VA) | 2 | $1,030,000 | $515,000 | $8,556 | 6.38% |
| Indianola, MS (FHA|USDA|VA) | 4 | $1,010,000 | $252,500 | $5,400 | 6.34% |
| Harrison, AR (FHA|USDA|VA) | 2 | $990,000 | $495,000 | $5,267 | 7.06% |
| GAINESVILLE, FL (FHA|USDA|VA) | 3 | $975,000 | $325,000 | $9,788 | 7.08% |
| SPARTANBURG, SC (FHA|USDA|VA) | 2 | $970,000 | $485,000 | $6,036 | 5.69% |
| Jacksonville, TX (FHA|USDA|VA) | 3 | $955,000 | $318,333 | $4,213 | 7.83% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 2 | $950,000 | $475,000 | $6,330 | 7.63% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 2 | $930,000 | $465,000 | $2,951 | 8.25% |
| MYRTLE BEACH-CONWAY-NORTH MYRTLE BEACH, SC-NC (FHA|USDA|VA) | 3 | $905,000 | $301,667 | $5,844 | 6.63% |
| PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $9,877 | 6.44% |
| CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) | 2 | $890,000 | $445,000 | $4,679 | 6.31% |
| Magnolia, AR (FHA|USDA|VA) | 7 | $885,000 | $126,429 | $3,046 | 7.79% |
| GREENSBORO-HIGH POINT, NC (FHA|USDA|VA) | 3 | $865,000 | $288,333 | $3,875 | 6.67% |
| FLORENCE-MUSCLE SHOALS, AL (FHA|USDA|VA) | 5 | $835,000 | $167,000 | $4,601 | 7.56% |
| Jennings, LA (FHA|USDA|VA) | 3 | $815,000 | $271,667 | $5,219 | 6.96% |
| LaGrange, GA-AL (FHA|USDA|VA) | 6 | $800,000 | $133,333 | $3,790 | 7.60% |
| HOUMA-THIBODAUX, LA (FHA|USDA|VA) | 4 | $790,000 | $197,500 | $6,009 | 7.22% |
| CHARLESTON-NORTH CHARLESTON, SC (FHA|USDA|VA) | 2 | $770,000 | $385,000 | $8,236 | 7.44% |
| Greenwood, MS (FHA|USDA|VA) | 4 | $750,000 | $187,500 | $5,301 | 6.72% |
| DeRidder, LA (FHA|USDA|VA) | 2 | $740,000 | $370,000 | $10,431 | 7.94% |
| Clarksdale, MS (FHA|USDA|VA) | 2 | $730,000 | $365,000 | $7,184 | 7.06% |
| Brownwood, TX (FHA|USDA|VA) | 2 | $700,000 | $350,000 | $6,776 | 7.63% |
| Atmore, AL (FHA|USDA|VA) | 6 | $680,000 | $113,333 | $3,737 | 6.88% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $680,000 | $340,000 | $11,229 | 6.38% |
| COLUMBIA, MO (FHA|USDA|VA) | 2 | $630,000 | $315,000 | $2,530 | 6.81% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $615,000 | $615,000 | $8,534 | 6.25% |
| CHARLOTTESVILLE, VA (FHA|USDA|VA) | 2 | $610,000 | $305,000 | $6,370 | 6.69% |
| El Campo, TX (FHA|USDA|VA) | 1 | $605,000 | $605,000 | $15,726 | 6.50% |
| Palestine, TX (FHA|USDA|VA) | 3 | $595,000 | $198,333 | $4,517 | 7.51% |
| Russellville, AR (FHA|USDA|VA) | 1 | $575,000 | $575,000 | $3,650 | 6.88% |
| Minden, LA (FHA|USDA|VA) | 5 | $575,000 | $115,000 | $4,321 | 7.06% |
| Lewisburg, TN (FHA|USDA|VA) | 5 | $565,000 | $113,000 | $0 | 8.50% |
| Thomaston, GA (FHA|USDA|VA) | 3 | $565,000 | $188,333 | $0 | 8.16% |
| Paris, TN (FHA|USDA|VA) | 4 | $560,000 | $140,000 | $3,264 | 7.94% |
| Jasper, AL (FHA|USDA|VA) | 5 | $555,000 | $111,000 | $5,552 | 8.46% |
| Gainesville, TX (FHA|USDA|VA) | 2 | $550,000 | $275,000 | $9,826 | 7.25% |
| PINE BLUFF, AR (FHA|USDA|VA) | 5 | $545,000 | $109,000 | $3,678 | 7.13% |
| WILMINGTON, NC (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $5,727 | 6.50% |
| MIDLAND, TX (FHA|USDA|VA) | 2 | $510,000 | $255,000 | $9,461 | 7.38% |
| IDAHO FALLS, ID (FHA|USDA|VA) | 1 | $495,000 | $495,000 | $0 | 7.49% |
| ALBANY, GA (FHA|USDA|VA) | 3 | $495,000 | $165,000 | $7,782 | 7.14% |
| COLUMBIA, SC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $6,208 | 6.38% |
| RALEIGH-CARY, NC (FHA|USDA|VA) | 2 | $490,000 | $245,000 | $0 | 7.49% |
| Branson, MO (FHA|USDA|VA) | 2 | $450,000 | $225,000 | $5,827 | 7.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $445,000 | $445,000 | $4,685 | 5.88% |
| HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) | 1 | $435,000 | $435,000 | $12,068 | 5.75% |
| Paris, TX (FHA|USDA|VA) | 2 | $420,000 | $210,000 | $4,565 | 7.13% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 8.19% |
| WICHITA FALLS, TX (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $9,911 | 6.00% |
| Batesville, AR (FHA|USDA|VA) | 4 | $400,000 | $100,000 | $5,041 | 7.03% |
| Shelbyville, TN (FHA|USDA|VA) | 2 | $400,000 | $200,000 | $3,597 | 7.25% |
| Blytheville, AR (FHA|USDA|VA) | 7 | $385,000 | $55,000 | $2,313 | 8.52% |
| Union City, TN (FHA|USDA|VA) | 4 | $380,000 | $95,000 | $4,550 | 6.91% |
| North Vernon, IN (FHA|USDA|VA) | 1 | $375,000 | $375,000 | $3,358 | 5.75% |
| Duncan, OK (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $10,947 | 6.63% |
| Opelousas, LA (FHA|USDA|VA) | 4 | $350,000 | $87,500 | $3,974 | 8.36% |
| HINESVILLE, GA (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $11,180 | 6.38% |
| VALDOSTA, GA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $4,979 | 5.88% |
| BURLINGTON, NC (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $3,798 | 6.88% |
| Lawrenceburg, TN (FHA|USDA|VA) | 1 | $305,000 | $305,000 | $0 | 7.75% |
| Palatka, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $6,819 | 6.38% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $0 | 7.79% |
| Talladega-Sylacauga, AL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,352 | 7.75% |
| OCALA, FL (FHA|USDA|VA) | 2 | $290,000 | $145,000 | $3,504 | 7.69% |
| DALTON, GA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $9,354 | 6.38% |
| Arkadelphia, AR (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 9.00% |
| Paducah, KY-IL (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $0 | 7.49% |
| BOWLING GREEN, KY (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $2,714 | 6.88% |
| Rolla, MO (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $1,603 | 6.00% |
| Brookhaven, MS (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $7,625 | 6.63% |
| Moultrie, GA (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $0 | 8.50% |
| Lumberton, NC (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $5,369 | 6.63% |
| Jefferson, GA (FHA|USDA|VA) | 2 | $220,000 | $110,000 | $0 | 7.50% |
| DOTHAN, AL (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $9,162 | 6.25% |
| Port Lavaca, TX (FHA|USDA|VA) | 1 | $215,000 | $215,000 | $2,588 | 6.38% |
| Greenville, MS (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,927 | 7.00% |
| BRUNSWICK, GA (FHA|USDA|VA) | 1 | $195,000 | $195,000 | $7,153 | 6.50% |
| Sulphur Springs, TX (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 8.00% |
| Taos, NM (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $0 | 6.75% |
| Waycross, GA (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $8,346 | 6.13% |
| ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) | 1 | $175,000 | $175,000 | $0 | 9.25% |
| Brownsville, TN (FHA|USDA|VA) | 3 | $165,000 | $55,000 | $2,058 | 8.33% |
| Helena-West Helena, AR (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $3,708 | 6.88% |
| SAN ANGELO, TX (FHA|USDA|VA) | 1 | $165,000 | $165,000 | $4,856 | 6.50% |
| Mountain Home, AR (FHA|USDA|VA) | 2 | $160,000 | $80,000 | $6,294 | 7.06% |
| Sikeston, MO (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $4,401 | 6.88% |
| Corsicana, TX (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $0 | 8.50% |
| OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $2,992 | 7.00% |
| BUFFALO-CHEEKTOWAGA, NY (FHA|USDA|VA) | 1 | $115,000 | $115,000 | $0 | 8.79% |
| Boone, NC (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 9.50% |
| Granbury, TX (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $0 | 8.50% |
| Malvern, AR (FHA|USDA|VA) | 2 | $70,000 | $35,000 | $0 | 8.63% |
| Ozark, AL (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $4,232 | 6.25% |
| Kennett, MO (FHA|USDA|VA) | 1 | $65,000 | $65,000 | $0 | 8.79% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $0 | 9.25% |
| TERRE HAUTE, IN (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $3,428 | 7.75% |
| Ponca City, OK (FHA|USDA|VA) | 1 | $55,000 | $55,000 | $4,636 | 7.13% |
| ANNISTON-OXFORD, AL (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.00% |
| Poplar Bluff, MO (FHA|USDA|VA) | 1 | $45,000 | $45,000 | $0 | 8.79% |
| Orangeburg, SC (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.50% |
| ROME, GA (FHA|USDA|VA) | 1 | $35,000 | $35,000 | $0 | 8.75% |
| Muskogee, OK (FHA|USDA|VA) | 1 | $25,000 | $25,000 | $0 | 8.00% |
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Product Mix
For 2024, Bancorpsouth's most frequently originated type of loan was Conventional, with 6,691 originations. Their 2nd most popular type was HELOC, with 4,744 originations.
Loan Reason
For 2024, Bancorpsouth's most frequently cited loan purpose was Home Purchase, with 6,818 originations. The 2nd most popular reason was Other, with 3,054 originations.
Loan Duration/Length
For 2024, Bancorpsouth's most frequently cited loan duration was 30 Year, with 6,211 originations. The 2nd most popular length was Other, with 4,944 originations.
Origination Fees/Closing Costs
Bancorpsouth's average total fees were $7,369, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 2,815 originations.
Interest Rates
During 2024, Bancorpsouth's average interest rate for loans was 6.43%, while their most frequently originated rate bucket for loans was Over 8%, with 4,567 originations.
Loan Sizing
2024 saw Bancorpsouth place emphasis on $100,000 or less loans with 3,928 originations, totaling $193,330,000 in origination value.
Applicant Income
Bancorpsouth lent most frequently to those with incomes in the $100k-150k range, with 2,448 originations. The second most popular income band? $250k+, with 2,438 originations.
Applicant Debt to Income Ratio
Bancorpsouth lent most frequently to those with DTI ratios of 20-30%, with 2,744 originations. The next most common DTI ratio? 30-36%, with 2,235 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications81.78%
Bancorpsouth has a below average approval rate.
Pick Rate
Approvals leading to origination79.68%
Bancorpsouth has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 12,823 | $3,677,595,000 | $286,797 |
Occupancy Type Mix
| Dwelling Type | Originations | Total Value | Average Loan |
|---|---|---|---|
| 12,823 | $3,677,595,000 | $286,797 |