Brookhaven Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Brookhaven averaged 6.82% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

The average rate for the prior week (2025-04-03) was 6.84% and one month ago for the week of 2025-03-06, the average rate was 6.43%.

Brookhaven's average rate one year ago was 6.92%.

For refis of the same type during the week of 2025-04-10, the average rate was 6.62%.

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

Brookhaven Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Brookhaven, MS market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
CROSSCOUNTRY MORTGAGE, LLC 14 6.75% $5,949
MORTGAGE INVESTORS GROUP, INC. 12 5.98% $4,031
QUICKEN LOANS, LLC 9 6.85% $6,806
FIDELITY BANK 4 7.09% $5,403
21ST MORTGAGE CORPORATION 4 8.61% $6,120
VANDERBILT MORTGAGE AND FINANCE, INC. 2 8.62% $4,523
Bank of England 2 6.69% $9,790
BankPlus 2 6.63% $3,430
JPMorgan Chase Bank 2 6.50% $3,424
NEWREZ LLC 2 8.06% $7,584
Regions Bank 2 6.31% $4,828
Renasant Bank 2 7.31% $4,379
Trustmark National Bank 2 6.60% $3,475
DEEPHAVEN MORTGAGE LLC 1 7.38% $11,302
SUNBELT Federal Credit Union 1 4.99% $5,271
Citizens Bank 1 5.99% $5,894
CHURCHILL MORTGAGE CORPORATION 1 6.63% $3,987
UNITED WHOLESALE MORTGAGE, LLC 1 5.88% $4,179
FirstBank 1 9.66% $5,177
First National Bank of America 1 9.13% $6,728
GMFS LLC 1 7.63% $4,378
STOCKTON MORTGAGE CORPORATION 1 7.63% $6,889
LOANDEPOT.COM, LLC 1 7.63% $7,045

Brookhaven Average Closing Costs & Other Stats

Brookhaven, MS's 23 lenders originated 442 loans during 2024. The total origination value was $69,670,000, with an average loan value of $157,624.

Brookhaven's average closing costs are $4,988.

The top Brookhaven lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 14 loans originated. Their average total fees are $5,949, which is $1,918 higher than the next largest lender, MORTGAGE INVESTORS GROUP, INC..

The lowest fee Brookhaven lenders (with over 10 loans originated) are MORTGAGE INVESTORS GROUP, INC. ($4,031), CROSSCOUNTRY MORTGAGE, LLC ($5,949), .

The lowest rate Brookhaven lenders (with over 10 loans originated) are MORTGAGE INVESTORS GROUP, INC. (5.98%), CROSSCOUNTRY MORTGAGE, LLC (6.75%), .

Brookhaven, MS Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
CROSSCOUNTRY MORTGAGE, LLC $9,795,000 $10,555,000 7.8% 15.1%
Trustmark National Bank $11,600,000 $8,340,000 -28.1% 12.0%
QUICKEN LOANS, LLC $4,070,000 $4,925,000 21.0% 7.1%
CBRE MULTIFAMILY CAPITAL, INC. $4,905,000 n/a 7.0%
21ST MORTGAGE CORPORATION $3,230,000 $4,245,000 31.4% 6.1%
BankPlus $2,455,000 $4,245,000 72.9% 6.1%
VANDERBILT MORTGAGE AND FINANCE, INC. $1,015,000 $3,160,000 211.3% 4.5%
MORTGAGE INVESTORS GROUP, INC. $2,025,000 $3,025,000 49.4% 4.3%
First Bank $2,770,000 $2,670,000 -3.6% 3.8%
Bank of England $1,865,000 n/a 2.7%
TRIAD FINANCIAL SERVICES, INC. $425,000 $1,610,000 278.8% 2.3%
Regions Bank $1,725,000 $1,170,000 -32.2% 1.7%
GMFS LLC $1,120,000 $1,015,000 -9.4% 1.5%
LOANDEPOT.COM, LLC $510,000 $975,000 91.2% 1.4%
FIDELITY BANK $1,760,000 $955,000 -45.7% 1.4%
GUILD MORTGAGE COMPANY $275,000 $955,000 247.3% 1.4%
Renasant Bank $355,000 $945,000 166.2% 1.4%
PENNYMAC LOAN SERVICES, LLC $855,000 n/a 1.2%
STOCKTON MORTGAGE CORPORATION $235,000 $685,000 191.5% 1.0%
UNITED WHOLESALE MORTGAGE, LLC $250,000 $630,000 152.0% 0.9%
BROKER SOLUTIONS, INC. $540,000 $570,000 5.6% 0.8%
CSL Financial, LLC $85,000 $570,000 570.6% 0.8%
USAA Federal Savings Bank $560,000 n/a 0.8%
Mortgage Research Center, LLC $1,660,000 $470,000 -71.7% 0.7%
NAVY FEDERAL CREDIT UNION $285,000 $460,000 61.4% 0.7%
NEWREZ LLC $120,000 $455,000 279.2% 0.7%
FirstBank $75,000 $375,000 400.0% 0.5%
Magnolia Bank $365,000 n/a 0.5%
FIRST COLONY MORTGAGE CORPORATION $360,000 n/a 0.5%
DEEPHAVEN MORTGAGE LLC $355,000 n/a 0.5%
MUTUAL OF OMAHA MORTGAGE, INC. $230,000 $350,000 52.2% 0.5%
PriorityOne Bank $340,000 n/a 0.5%
BankFirst Financial Services $490,000 $330,000 -32.7% 0.5%
FIRST COMMUNITY MORTGAGE, INC. $325,000 n/a 0.5%
FREEDOM MORTGAGE CORPORATION $55,000 $320,000 481.8% 0.5%
Heritage Bank of St Tammany $295,000 n/a 0.4%
CORNERSTONE HOME LENDING, INC. $185,000 $290,000 56.8% 0.4%
NEW DAY FINANCIAL, LLC $275,000 n/a 0.4%
American Mortgage Bank, LLC $265,000 n/a 0.4%
PREMIA MORTGAGE, LLC $255,000 n/a 0.4%
BancorpSouth $80,000 $245,000 206.3% 0.4%
SOUTHWEST STAGE FUNDING, LLC $630,000 $235,000 -62.7% 0.3%
SUNBELT Federal Credit Union $235,000 n/a 0.3%
JPMorgan Chase Bank $190,000 n/a 0.3%
CARDINAL FINANCIAL $185,000 n/a 0.3%
Copiah Bank $185,000 n/a 0.3%
Citizens Bank $55,000 $175,000 218.2% 0.3%
The Citizens National Bank of Meridian $175,000 n/a 0.3%
The Loan Store, Inc. $175,000 n/a 0.3%
Community Bank of Mississippi $170,000 n/a 0.2%
Plains Commerce Bank $175,000 $165,000 -5.7% 0.2%
COUNTRYPLACE MORTGAGE, LTD. $600,000 $155,000 -74.2% 0.2%
Equity Prime Mortgage LLC $290,000 $135,000 -53.4% 0.2%
CHURCHILL MORTGAGE CORPORATION $125,000 n/a 0.2%
Gulf Coast Bank and Trust Company $125,000 n/a 0.2%
Liberty Bank and Trust Company $125,000 n/a 0.2%
Origin Bank $125,000 n/a 0.2%
Ally Bank $105,000 n/a 0.2%
First National Bank of America $95,000 n/a 0.1%
Flagstar Bank, FSB $95,000 n/a 0.1%
Figure Lending LLC $50,000 $70,000 40.0% 0.1%
ROYAL UNITED MORTGAGE LLC $65,000 n/a 0.1%
AMERISAVE MORTGAGE CORPORATION $55,000 n/a 0.1%
KEESLER $55,000 n/a 0.1%

Brookhaven's top lender by overall market share is CROSSCOUNTRY MORTGAGE, LLC, with 15.1% market share. In second place, with 12.0%, is Trustmark National Bank, having originated $8,340,000 in loans. In third place, with 7.1%, is QUICKEN LOANS, LLC, having originated $4,925,000 in loans. In fourth place, with 7.0%, is CBRE MULTIFAMILY CAPITAL, INC., having originated $4,905,000 in loans. In fifth place, with 6.1%, is 21ST MORTGAGE CORPORATION, having originated $4,245,000 in loans.


Brookhaven Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - Brookhaven (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 $148,875 (4.9%) $203,649 (18.6%) 0.00 79
2018-02-01 $141,175 (-2.3%) $196,045 (13.3%) 0.00 80
2018-03-01 $139,000 (-6.9%) $190,728 (11.1%) 0.00 85
2018-04-01 $138,200 (-13.1%) $190,134 (-4.4%) 0.00 81
2018-05-01 $164,225 (6.0%) $215,746 (12.0%) 0.00 82
2018-06-01 $152,000 (-0.6%) $204,793 (11.5%) 0.00 91
2018-07-01 $143,875 (-7.2%) $195,234 (6.5%) 0.00 99
2018-08-01 $151,250 (-4.0%) $199,236 (13.2%) 0.00 93
2018-09-01 $148,000 (-4.5%) $203,431 (14.9%) 0.00 94
2018-10-01 $157,000 (1.1%) $207,231 (12.3%) 0.00 97
2018-11-01 $164,500 (6.5%) $225,159 (14.3%) 0.00 108
2018-12-01 $169,000 (13.0%) $224,792 (10.3%) 0.00 100
2019-01-01 $171,100 (14.9%) $232,832 (14.3%) 0.00 103
2019-02-01 $164,750 (16.7%) $232,820 (18.8%) 0.00 110
2019-03-01 $154,357 (11.1%) $224,678 (17.8%) 0.00 113
2019-04-01 $149,357 (8.1%) $217,713 (14.5%) 0.00 114
2019-05-01 $149,250 (-9.1%) $201,206 (-6.7%) 0.00 111
2019-06-01 $146,250 (-3.8%) $202,039 (-1.3%) 0.00 112
2019-07-01 $149,900 (4.2%) $204,840 (4.9%) 0.00 101
2019-08-01 $151,182 (-0.1%) $192,553 (-3.4%) 0.00 102
2019-09-01 $149,955 (1.3%) $179,287 (-11.9%) 0.00 103
2019-10-01 $149,636 (-4.7%) $177,146 (-14.5%) 0.00 99
2019-11-01 $165,000 (0.3%) $195,139 (-13.3%) 0.00 98
2019-12-01 $159,475 (-5.6%) $186,473 (-17.1%) 0.00 105
2020-01-01 $163,600 (-4.4%) $187,688 (-19.4%) 0.00 101
2020-02-01 $165,000 (0.2%) $196,185 (-15.7%) 0.00 109
2020-03-01 $174,750 (13.2%) $204,063 (-9.2%) 0.00 105
2020-04-01 $175,000 (17.2%) $205,035 (-5.8%) 0.00 99
2020-05-01 $174,990 (17.3%) $207,187 (3.0%) 0.00 92
2020-06-01 $170,125 (16.3%) $203,208 (0.6%) 0.00 80
2020-07-01 $171,500 (14.4%) $210,603 (2.8%) 0.00 68
2020-08-01 $162,250 (7.3%) $199,289 (3.5%) 0.00 59
2020-09-01 $157,125 (4.8%) $200,633 (11.9%) 0.00 58
2020-10-01 $147,500 (-1.4%) $203,776 (15.0%) 0.00 60
2020-11-01 $149,925 (-9.1%) $219,919 (12.7%) 0.00 59
2020-12-01 $152,500 (-4.4%) $217,610 (16.7%) 0.00 54
2021-01-01 $150,000 (-8.3%) $203,949 (8.7%) 0.00 48
2021-02-01 $178,125 (8.0%) $233,176 (18.9%) 0.00 40
2021-03-01 $164,875 (-5.7%) $209,693 (2.8%) 0.00 36
2021-04-01 $163,750 (-6.4%) $210,937 (2.9%) 0.00 33
2021-05-01 $158,500 (-9.4%) $204,399 (-1.4%) 0.00 32
2021-06-01 $181,225 (6.5%) $206,361 (1.6%) 0.00 34
2021-07-01 $169,900 (-0.9%) $203,786 (-3.2%) 0.00 41
2021-08-01 $185,000 (14.0%) $208,507 (4.6%) 0.00 47
2021-09-01 $185,000 (17.7%) $214,243 (6.8%) 0.00 49
2021-10-01 $180,000 (22.0%) $207,572 (1.9%) 0.00 44
2021-11-01 $188,750 (25.9%) $206,825 (-6.0%) 0.00 38
2021-12-01 $188,750 (23.8%) $214,115 (-1.6%) 0.00 40
2022-01-01 $180,000 (20.0%) $205,945 (1.0%) 0.00 39
2022-02-01 $203,000 (14.0%) $231,733 (-0.6%) 0.00 43
2022-03-01 $217,000 (31.6%) $244,750 (16.7%) 0.00 46
2022-04-01 $222,000 (35.6%) $247,878 (17.5%) 0.00 44
2022-05-01 $255,250 (61.0%) $274,660 (34.4%) 0.00 40
2022-06-01 $246,000 (35.7%) $277,191 (34.3%) 0.00 45
2022-07-01 $235,000 (38.3%) $260,666 (27.9%) 0.00 53
2022-08-01 $246,175 (33.1%) $283,550 (36.0%) 0.00 50
2022-09-01 $239,975 (29.7%) $270,298 (26.2%) 0.00 52
2022-10-01 $239,750 (33.2%) $275,448 (32.7%) 0.00 48
2022-11-01 $222,400 (17.8%) $264,503 (27.9%) 0.00 48
2022-12-01 $230,000 (21.9%) $272,767 (27.4%) 0.00 51
2023-01-01 $233,750 (29.9%) $289,159 (40.4%) 0.00 53
2023-02-01 $250,250 (23.3%) $293,450 (26.6%) 0.00 56
2023-03-01 $211,225 (-2.7%) $269,617 (10.2%) 0.00 57
2023-04-01 $188,000 (-15.3%) $242,530 (-2.2%) 0.00 56
2023-05-01 $188,625 (-26.1%) $276,804 (0.8%) 0.00 45
2023-06-01 $196,575 (-20.1%) $279,252 (0.7%) 0.00 43
2023-07-01 $199,000 (-15.3%) $271,736 (4.3%) 0.00 48
2023-08-01 $196,200 (-20.3%) $272,138 (-4.0%) 0.00 41
2023-09-01 $196,250 (-18.2%) $274,752 (1.7%) 0.00 39
2023-10-01 $198,625 (-17.2%) $275,250 (-0.1%) 0.00 44
2023-11-01 $199,000 (-10.5%) $293,626 (11.0%) 0.00 46
2023-12-01 $199,000 (-13.5%) $288,923 (5.9%) 0.00 54
2024-01-01 $194,225 (-16.9%) $266,334 (-7.9%) 0.00 50
2024-02-01 $199,225 (-20.4%) $275,104 (-6.3%) 0.00 45
2024-03-01 $199,000 (-5.8%) $282,761 (4.9%) 0.00 47
2024-04-01 $197,750 (5.2%) $239,181 (-1.4%) 0.00 49
2024-05-01 $193,350 (2.5%) $220,616 (-20.3%) 0.00 49
2024-06-01 $199,000 (1.2%) $259,545 (-7.1%) 0.00 50
2024-07-01 $223,050 (12.1%) $274,916 (1.2%) 0.00 53
2024-08-01 $249,500 (27.2%) $284,259 (4.5%) 0.00 51
2024-09-01 $238,475 (21.5%) $277,023 (0.8%) 0.00 54
2024-10-01 $219,363 (10.4%) $267,168 (-2.9%) 0.00 60
2024-11-01 $199,900 (0.5%) $248,498 (-15.4%) 0.00 55
2024-12-01 $227,200 (14.2%) $254,008 (-12.1%) 0.00 57
2025-01-01 $221,250 (13.9%) $252,059 (-5.4%) 0.00 56
2025-02-01 $220,925 (10.9%) $274,824 (-0.1%) 0.00 56
2025-03-01 $208,000 (4.5%) $323,444 (14.4%) 0.00 58
Brookhaven's median listing price for 2025-03-01 was $208,000, a difference of $9,000 (4.5%) versus the prior year and $-12,925 versus the prior month.

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

Brookhaven's average listing price for 2025-03-01 was $323,444, a difference of $40,683 (14.4%) versus the prior year and $48,620 versus the prior month.

For the 2025-03-01 period, Brookhaven had 58 MLS listings, a difference of 2 listings (4%) versus the prior month and 11 listings (23%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Brookhaven (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,126 sqft
2018-02-01 0 days 2,100 sqft
2018-03-01 0 days 2,045 sqft
2018-04-01 0 days 2,008 sqft
2018-05-01 0 days 2,220 sqft
2018-06-01 0 days 2,045 sqft
2018-07-01 0 days 1,921 sqft
2018-08-01 0 days 1,985 sqft
2018-09-01 0 days 1,984 sqft
2018-10-01 0 days 2,012 sqft
2018-11-01 0 days 2,016 sqft
2018-12-01 0 days 2,016 sqft
2019-01-01 0 days 2,036 sqft
2019-02-01 0 days 2,042 sqft
2019-03-01 0 days 1,994 sqft
2019-04-01 0 days 1,979 sqft
2019-05-01 0 days 1,916 sqft
2019-06-01 0 days 1,949 sqft
2019-07-01 0 days 1,947 sqft
2019-08-01 0 days 1,934 sqft
2019-09-01 0 days 1,914 sqft
2019-10-01 0 days 1,913 sqft
2019-11-01 0 days 1,953 sqft
2019-12-01 0 days 2,000 sqft
2020-01-01 0 days 1,917 sqft
2020-02-01 0 days 1,977 sqft
2020-03-01 0 days 2,074 sqft
2020-04-01 0 days 2,018 sqft
2020-05-01 0 days 2,094 sqft
2020-06-01 0 days 2,101 sqft
2020-07-01 0 days 2,095 sqft
2020-08-01 0 days 2,137 sqft
2020-09-01 0 days 2,113 sqft
2020-10-01 0 days 2,104 sqft
2020-11-01 0 days 2,064 sqft
2020-12-01 0 days 1,983 sqft
2021-01-01 0 days 1,962 sqft
2021-02-01 0 days 2,027 sqft
2021-03-01 0 days 1,871 sqft
2021-04-01 0 days 1,940 sqft
2021-05-01 0 days 1,740 sqft
2021-06-01 0 days 1,942 sqft
2021-07-01 0 days 1,976 sqft
2021-08-01 0 days 1,981 sqft
2021-09-01 0 days 1,881 sqft
2021-10-01 0 days 1,823 sqft
2021-11-01 0 days 1,945 sqft
2021-12-01 0 days 1,910 sqft
2022-01-01 0 days 2,002 sqft
2022-02-01 0 days 2,052 sqft
2022-03-01 0 days 2,108 sqft
2022-04-01 0 days 2,137 sqft
2022-05-01 0 days 2,293 sqft
2022-06-01 0 days 2,264 sqft
2022-07-01 0 days 2,157 sqft
2022-08-01 0 days 2,190 sqft
2022-09-01 0 days 2,155 sqft
2022-10-01 0 days 2,083 sqft
2022-11-01 0 days 2,006 sqft
2022-12-01 0 days 2,024 sqft
2023-01-01 0 days 2,275 sqft
2023-02-01 0 days 2,300 sqft
2023-03-01 0 days 2,207 sqft
2023-04-01 0 days 1,920 sqft
2023-05-01 0 days 1,950 sqft
2023-06-01 0 days 1,946 sqft
2023-07-01 0 days 1,950 sqft
2023-08-01 0 days 1,921 sqft
2023-09-01 0 days 1,962 sqft
2023-10-01 0 days 1,893 sqft
2023-11-01 0 days 2,000 sqft
2023-12-01 0 days 2,000 sqft
2024-01-01 0 days 2,000 sqft
2024-02-01 0 days 2,031 sqft
2024-03-01 0 days 2,107 sqft
2024-04-01 0 days 1,951 sqft
2024-05-01 0 days 1,851 sqft
2024-06-01 0 days 1,967 sqft
2024-07-01 0 days 2,049 sqft
2024-08-01 0 days 2,122 sqft
2024-09-01 0 days 2,100 sqft
2024-10-01 0 days 1,910 sqft
2024-11-01 0 days 1,930 sqft
2024-12-01 0 days 1,929 sqft
2025-01-01 0 days 1,823 sqft
2025-02-01 0 days 1,817 sqft
2025-03-01 0 days 1,866 sqft
Brookhaven's median listing age (time on market) for 2025-03-01 was 0 days.

Brookhaven's median square footage for active listings during the 2025-03-01 period was 1,866 sqft. One year prior, the average listing was 2,107 sqft.

Brookhaven, MS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 242 $40,870,000 $168,884
Refi 96 $19,280,000 $200,833
Other 45 $2,615,000 $58,111
Cash Out Refi 39 $5,385,000 $138,077
Home Improvement 20 $1,520,000 $76,000

Brookhaven's most frequently cited loan purpose was Home Purchase, with 242 originations. The 2nd most popular reason was Refi, with 96 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
Over 8% 160 $16,720,000 $104,500
6-7% 138 $25,150,000 $182,246
7-8% 79 $13,385,000 $169,430
5-6% 26 $9,230,000 $355,000
4-5% 11 $1,045,000 $95,000
<2.5% 8 $800,000 $100,000
3-4% 1 $65,000 $65,000

During 2024, Brookhaven's most frequently originated rate bucket was Over 8%, with 160 originations.

Loan Sizing (Brookhaven, MS MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 181 $10,515,000 $58,094
$100k-200k 169 $24,775,000 $146,598
$200k-400k 77 $20,295,000 $263,571
$400k-600k 10 $4,960,000 $496,000
$600k-1000k 3 $1,975,000 $658,333
$Over $1MM 2 $7,150,000 $3,575,000

Brookhaven's loan sizing saw the bucket of loans from $100,000 or less with 181 originations, totaling $10,515,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 205 $37,385,000 $182,366
20-40% 65 $4,915,000 $75,615
60-80% 60 $16,660,000 $277,667
Under 20% 42 $1,590,000 $37,857
40-60% 38 $3,940,000 $103,684
Over 100% 5 $985,000 $197,000

Brookhaven's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 205 originations, totaling $37,385,000 in origination value.