Hattiesburg VA Loan Rates, Closing Costs & Stats

HATTIESBURG, MS

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Hattiesburg's 56 lenders originated 328 VA loans during 2024. The total origination value was $91,720,000, with an average VA loan value of $279,634.

    Hattiesburg VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Hattiesburg averaged 6.18% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

    Hattiesburg's average VA mortgage closing costs are $5,759.

    The average rate for the prior week (2025-03-28) was 6.3% and one month ago for the week of 2025-02-28, the average rate was 6.28%.

    The average rate one year ago was 6.49%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.27%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Hattiesburg VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Hattiesburg level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 58 6.58% $4,419
    FREEDOM MORTGAGE CORPORATION 30 6.11% $7,605
    UNITED WHOLESALE MORTGAGE, LLC 24 6.27% $7,225
    VILLAGE CAPITAL MORTGAGE 13 5.73% $7,367
    QUICKEN LOANS, LLC 12 6.05% $8,309
    Trustmark National Bank 11 6.43% $5,389
    PENNYMAC LOAN SERVICES, LLC 11 5.77% $8,021
    BROKER SOLUTIONS, INC. 10 6.75% $8,843
    DHI MORTGAGE COMPANY, LTD. 8 4.81% $7,202
    NEWREZ LLC 8 6.08% $6,214
    NEW DAY FINANCIAL, LLC 8 7.53% $8,533
    Hancock Whitney Bank 7 6.20% $9,513
    GMFS LLC 6 6.21% $5,482
    NAVY FEDERAL CREDIT UNION 6 5.88% $5,225
    GUARANTEED RATE, INC. 6 6.45% $2,454
    Barrington Bank & Trust Company, N.A. 5 6.38% $6,650
    The Federal Savings Bank 4 6.72% $9,476
    CROSSCOUNTRY MORTGAGE, LLC 4 6.50% $7,285
    Community Bank of Mississippi 4 6.27% $3,302
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 7.25% $1,699
    Merchants & Marine Bank 4 6.22% $5,737
    AMERISAVE MORTGAGE CORPORATION 4 6.03% $12,328
    SWBC MORTGAGE CORPORATION 4 6.36% $6,233
    LOANDEPOT.COM, LLC 3 6.58% $7,063
    STOCKTON MORTGAGE CORPORATION 3 6.54% $8,011
    Regions Bank 3 6.17% $12,452
    GUILD MORTGAGE COMPANY 3 6.83% $9,504
    KEESLER 3 5.58% $6,847
    BancorpSouth 3 6.67% $5,732
    USAA Federal Savings Bank 3 6.08% $5,324
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.00% $4,618
    Carrington Mortgage Services, LLC 2 6.31% $10,890
    Citizens Bank 2 6.50% $2,133
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.75% $13,452
    Grand Bank for Savings, FSB 2 6.44% $2,810
    Lakeview Community Capital, LLC 2 5.75% $5,327
    LAKEVIEW LOAN SERVICING, LLC 2 5.38% $5,313
    PLANET HOME LENDING, LLC 2 6.18% $5,126
    Princeton Mortgage Corporation 2 6.44% $5,047
    The Citizens National Bank of Meridian 2 6.25% $14,661
    American Mortgage & Equity Consultants, Inc. 1 6.13% $29,320
    AMERICAN FINANCING CORPORATION 1 5.75% $5,938
    American Mortgage Bank, LLC 1 6.13% $15,301
    Ixonia Bank 1 7.25% $29,030
    GENEVA FINANCIAL, LLC 1 6.75% $5,671
    Flagstar Bank, FSB 1 6.25% $2,929
    SUN WEST MORTGAGE COMPANY, INC. 1 6.00% $20,287
    DAS Acquisition Company, LLC 1 5.75% $5,049
    ZILLOW HOME LOANS, LLC 1 7.25% $3,874
    Bank of England 1 6.00% $10,410
    TOWNE MORTGAGE COMPANY 1 7.13% $5,355
    Armed Forces Bank 1 6.63% $12,402
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.75% $3,954
    M&T Bank 1 7.13% $10,208
    Mr. Cooper ( Nationstar Mortgage ) 1 6.25% $8,215
    Magnolia Bank 1 6.25% $10,884

    The top Hattiesburg VA lender as defined by loan originations is Mortgage Research Center, LLC, with 58 VA loans originated. Their average total fees are $4,419, which is $3,186 lower than the next largest lender, FREEDOM MORTGAGE CORPORATION.

    The lowest fee Hattiesburg VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($4,419), Trustmark National Bank ($5,389), UNITED WHOLESALE MORTGAGE, LLC ($7,225), VILLAGE CAPITAL MORTGAGE ($7,367) and FREEDOM MORTGAGE CORPORATION ($7,605).

    The lowest rate Hattiesburg VA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (5.73%), PENNYMAC LOAN SERVICES, LLC (5.77%), QUICKEN LOANS, LLC (6.05%), FREEDOM MORTGAGE CORPORATION (6.11%) and UNITED WHOLESALE MORTGAGE, LLC (6.27%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Hattiesburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $194,500 (10.8%) $260,272 (12.7%) 0.72 506
    2018-02-01 $197,825 (11.2%) $267,184 (10.6%) 0.72 495
    2018-03-01 $205,000 (13.9%) $275,787 (9.7%) 0.72 527
    2018-04-01 $212,400 (12.4%) $279,065 (7.5%) 0.72 560
    2018-05-01 $219,450 (19.0%) $285,801 (9.1%) 0.73 551
    2018-06-01 $219,900 (15.8%) $286,192 (9.9%) 0.73 573
    2018-07-01 $219,900 (13.4%) $285,370 (12.2%) 0.73 605
    2018-08-01 $209,500 (10.3%) $277,225 (9.6%) 0.70 580
    2018-09-01 $199,750 (4.7%) $265,607 (3.4%) 0.67 572
    2018-10-01 $199,825 (2.5%) $264,058 (0.8%) 0.68 558
    2018-11-01 $195,075 (2.1%) $263,478 (3.8%) 0.66 546
    2018-12-01 $197,700 (1.7%) $264,396 (1.9%) 0.68 522
    2019-01-01 $197,975 (1.8%) $264,797 (1.7%) 0.68 493
    2019-02-01 $199,900 (1.1%) $270,798 (1.4%) 0.68 486
    2019-03-01 $199,900 (-2.5%) $272,635 (-1.1%) 0.65 501
    2019-04-01 $199,900 (-5.9%) $274,269 (-1.7%) 0.63 508
    2019-05-01 $199,900 (-8.9%) $280,083 (-2.0%) 0.62 484
    2019-06-01 $199,900 (-9.1%) $279,934 (-2.2%) 0.62 500
    2019-07-01 $209,900 (-4.6%) $277,892 (-2.6%) 0.66 519
    2019-08-01 $196,082 (-6.4%) $271,509 (-2.1%) 0.62 520
    2019-09-01 $190,355 (-4.7%) $263,291 (-0.9%) 0.61 510
    2019-10-01 $186,700 (-6.6%) $257,371 (-2.5%) 0.60 498
    2019-11-01 $187,700 (-3.8%) $252,508 (-4.2%) 0.62 489
    2019-12-01 $194,925 (-1.4%) $253,968 (-3.9%) 0.65 456
    2020-01-01 $192,950 (-2.5%) $254,453 (-3.9%) 0.64 427
    2020-02-01 $195,450 (-2.2%) $258,809 (-4.4%) 0.64 428
    2020-03-01 $199,575 (-0.2%) $264,824 (-2.9%) 0.63 396
    2020-04-01 $199,250 (-0.3%) $264,075 (-3.7%) 0.62 405
    2020-05-01 $216,000 (8.1%) $277,744 (-0.8%) 0.66 368
    2020-06-01 $224,575 (12.3%) $278,789 (-0.4%) 0.66 355
    2020-07-01 $238,075 (13.4%) $282,918 (1.8%) 0.69 323
    2020-08-01 $258,500 (31.8%) $301,219 (10.9%) 0.74 284
    2020-09-01 $259,450 (36.3%) $308,382 (17.1%) 0.74 288
    2020-10-01 $239,450 (28.3%) $316,503 (23.0%) 0.69 302
    2020-11-01 $239,000 (27.3%) $321,322 (27.3%) 0.70 285
    2020-12-01 $239,350 (22.8%) $336,851 (32.6%) 0.71 261
    2021-01-01 $232,000 (20.2%) $351,569 (38.2%) 0.69 227
    2021-02-01 $239,315 (22.4%) $357,525 (38.1%) 0.70 210
    2021-03-01 $242,900 (21.7%) $365,711 (38.1%) 0.69 202
    2021-04-01 $249,700 (25.3%) $390,477 (47.9%) 0.68 186
    2021-05-01 $270,950 (25.4%) $416,547 (50.0%) 0.72 189
    2021-06-01 $275,950 (22.9%) $429,606 (54.1%) 0.73 172
    2021-07-01 $239,900 (0.8%) $385,460 (36.2%) 0.63 197
    2021-08-01 $239,200 (-7.5%) $350,306 (16.3%) 0.64 235
    2021-09-01 $241,950 (-6.8%) $346,532 (12.4%) 0.65 232
    2021-10-01 $228,000 (-4.8%) $324,038 (2.4%) 0.61 225
    2021-11-01 $228,450 (-4.4%) $316,601 (-1.5%) 0.61 225
    2021-12-01 $221,500 (-7.5%) $316,687 (-6.0%) 0.60 204
    2022-01-01 $232,500 (0.2%) $358,284 (1.9%) 0.63 167
    2022-02-01 $241,700 (1.0%) $406,155 (13.6%) 0.63 134
    2022-03-01 $251,000 (3.3%) $402,538 (10.1%) 0.63 138
    2022-04-01 $295,000 (18.1%) $418,439 (7.2%) 0.70 138
    2022-05-01 $299,900 (10.7%) $411,556 (-1.2%) 0.69 186
    2022-06-01 $298,250 (8.1%) $387,985 (-9.7%) 0.66 212
    2022-07-01 $295,000 (23.0%) $360,777 (-6.4%) 0.66 261
    2022-08-01 $281,075 (17.5%) $326,995 (-6.7%) 0.65 279
    2022-09-01 $284,500 (17.6%) $341,714 (-1.4%) 0.67 258
    2022-10-01 $299,900 (31.5%) $353,754 (9.2%) 0.71 259
    2022-11-01 $298,175 (30.5%) $347,033 (9.6%) 0.72 258
    2022-12-01 $289,900 (30.9%) $343,419 (8.4%) 0.72 279
    2023-01-01 $289,500 (24.5%) $338,592 (-5.5%) 0.72 267
    2023-02-01 $299,225 (23.8%) $365,888 (-9.9%) 0.72 251
    2023-03-01 $297,975 (18.7%) $348,793 (-13.4%) 0.70 234
    2023-04-01 $290,000 (-1.7%) $356,210 (-14.9%) 0.67 242
    2023-05-01 $292,350 (-2.5%) $376,806 (-8.4%) 0.66 242
    2023-06-01 $299,900 (0.6%) $374,879 (-3.4%) 0.67 274
    2023-07-01 $299,450 (1.5%) $371,940 (3.1%) 0.68 292
    2023-08-01 $298,625 (6.2%) $371,282 (13.5%) 0.69 286
    2023-09-01 $289,900 (1.9%) $359,297 (5.2%) 0.68 305
    2023-10-01 $285,000 (-5.0%) $355,587 (0.5%) 0.67 324
    2023-11-01 $282,500 (-5.3%) $374,512 (7.9%) 0.67 346
    2023-12-01 $274,900 (-5.2%) $377,406 (9.9%) 0.67 350
    2024-01-01 $284,475 (-1.7%) $387,113 (14.3%) 0.69 341
    2024-02-01 $291,950 (-2.4%) $387,957 (6.0%) 0.70 335
    2024-03-01 $300,000 (0.7%) $403,690 (15.7%) 0.71 339
    2024-04-01 $321,400 (10.8%) $398,542 (11.9%) 0.75 363
    2024-05-01 $310,700 (6.3%) $384,397 (2.0%) 0.71 396
    2024-06-01 $314,950 (5.0%) $387,100 (3.3%) 0.72 405
    2024-07-01 $317,400 (6.0%) $394,239 (6.0%) 0.73 412
    2024-08-01 $316,495 (6.0%) $397,978 (7.2%) 0.74 448
    2024-09-01 $319,995 (10.4%) $412,700 (14.9%) 0.75 461
    2024-10-01 $319,900 (12.3%) $407,018 (14.5%) 0.75 461
    2024-11-01 $314,900 (11.5%) $397,072 (6.0%) 0.76 454
    2024-12-01 $309,900 (12.7%) $403,618 (7.0%) 0.77 431
    2025-01-01 $306,250 (7.7%) $410,123 (5.9%) 0.76 403
    2025-02-01 $309,925 (6.2%) $410,483 (5.8%) 0.75 389
    2025-03-01 $298,950 (-0.4%) $391,317 (-3.1%) 0.00 405
    Hattiesburg's median listing price for 2025-03-01 was $298,950, a difference of $-1,050 (-0.4%) versus the prior year and $-10,975 versus the prior month.

    Hattiesburg's median listing price comes in at 0% of the national average.

    Hattiesburg's average listing price for 2025-03-01 was $391,317, a difference of $-12,373 (-3.1%) versus the prior year and $-19,166 versus the prior month.

    For the 2025-03-01 period, Hattiesburg had 405 MLS listings, a difference of 16 listings (4%) versus the prior month and 66 listings (19%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Hattiesburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 95 days 1,985 sqft
    2018-02-01 88 days 2,020 sqft
    2018-03-01 60 days 2,103 sqft
    2018-04-01 56 days 2,127 sqft
    2018-05-01 66 days 2,158 sqft
    2018-06-01 68 days 2,188 sqft
    2018-07-01 69 days 2,154 sqft
    2018-08-01 73 days 2,115 sqft
    2018-09-01 76 days 2,059 sqft
    2018-10-01 80 days 2,066 sqft
    2018-11-01 80 days 2,077 sqft
    2018-12-01 93 days 2,072 sqft
    2019-01-01 92 days 2,033 sqft
    2019-02-01 90 days 2,016 sqft
    2019-03-01 72 days 2,057 sqft
    2019-04-01 60 days 2,103 sqft
    2019-05-01 62 days 2,138 sqft
    2019-06-01 64 days 2,147 sqft
    2019-07-01 67 days 2,166 sqft
    2019-08-01 70 days 2,142 sqft
    2019-09-01 68 days 2,070 sqft
    2019-10-01 69 days 2,021 sqft
    2019-11-01 75 days 2,010 sqft
    2019-12-01 80 days 1,977 sqft
    2020-01-01 77 days 1,979 sqft
    2020-02-01 76 days 1,953 sqft
    2020-03-01 60 days 1,993 sqft
    2020-04-01 62 days 1,978 sqft
    2020-05-01 65 days 2,032 sqft
    2020-06-01 64 days 2,054 sqft
    2020-07-01 60 days 2,053 sqft
    2020-08-01 57 days 2,211 sqft
    2020-09-01 56 days 2,187 sqft
    2020-10-01 51 days 2,132 sqft
    2020-11-01 58 days 2,162 sqft
    2020-12-01 65 days 2,094 sqft
    2021-01-01 68 days 2,061 sqft
    2021-02-01 54 days 2,083 sqft
    2021-03-01 45 days 2,065 sqft
    2021-04-01 42 days 2,174 sqft
    2021-05-01 43 days 2,244 sqft
    2021-06-01 43 days 2,368 sqft
    2021-07-01 34 days 2,136 sqft
    2021-08-01 36 days 2,021 sqft
    2021-09-01 45 days 1,980 sqft
    2021-10-01 52 days 1,906 sqft
    2021-11-01 55 days 1,905 sqft
    2021-12-01 59 days 1,767 sqft
    2022-01-01 64 days 1,823 sqft
    2022-02-01 63 days 2,024 sqft
    2022-03-01 31 days 2,151 sqft
    2022-04-01 34 days 2,183 sqft
    2022-05-01 24 days 2,158 sqft
    2022-06-01 31 days 2,093 sqft
    2022-07-01 32 days 2,100 sqft
    2022-08-01 48 days 2,058 sqft
    2022-09-01 59 days 2,177 sqft
    2022-10-01 58 days 2,191 sqft
    2022-11-01 61 days 2,171 sqft
    2022-12-01 58 days 2,102 sqft
    2023-01-01 60 days 2,110 sqft
    2023-02-01 64 days 2,184 sqft
    2023-03-01 50 days 2,147 sqft
    2023-04-01 46 days 2,074 sqft
    2023-05-01 43 days 2,029 sqft
    2023-06-01 40 days 2,058 sqft
    2023-07-01 48 days 2,056 sqft
    2023-08-01 57 days 2,088 sqft
    2023-09-01 51 days 2,011 sqft
    2023-10-01 52 days 2,002 sqft
    2023-11-01 56 days 2,010 sqft
    2023-12-01 61 days 1,928 sqft
    2024-01-01 66 days 1,931 sqft
    2024-02-01 64 days 1,992 sqft
    2024-03-01 49 days 2,040 sqft
    2024-04-01 45 days 2,120 sqft
    2024-05-01 43 days 2,049 sqft
    2024-06-01 54 days 2,029 sqft
    2024-07-01 58 days 2,063 sqft
    2024-08-01 58 days 2,047 sqft
    2024-09-01 62 days 2,110 sqft
    2024-10-01 67 days 2,078 sqft
    2024-11-01 72 days 2,054 sqft
    2024-12-01 79 days 2,077 sqft
    2025-01-01 80 days 2,066 sqft
    2025-02-01 71 days 2,092 sqft
    2025-03-01 0 days 2,004 sqft
    Hattiesburg's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Hattiesburg's median square footage for active listings during the 2025-03-01 period was 2,004 sqft. One year prior, the average listing was 2,040 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.