Columbus Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Columbus averaged 6.98% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.99% and one month ago for the week of 2025-02-27, the average rate was 6.7%.

    Columbus's average rate one year ago was 6.73%.

    For refis of the same type during the week of 2025-04-03, the average rate was 7.24%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Columbus 30 Year Fixed Rate 2025-04-03 6.98%
    Columbus 30 Year Fixed Rate Refi 2025-04-03 7.24%
    Columbus 15 Year Fixed Rate 2025-04-03 6.02%
    Columbus 15 Year Fixed Rate Refi 2025-04-03 6.22%
    Columbus 30 Year FHA 2025-04-03 5.94%
    Columbus 30 Year FHA Refi 2025-04-03 6.26%
    Columbus 30 Year USDA 2025-04-03 6.52%
    Columbus 30 Year USDA Refi 2025-04-03 6.52%
    Columbus 30 Year VA 2025-04-03 6.05%
    Columbus 30 Year VA Refi 2025-04-03 6.06%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Columbus, MS.

    Columbus 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 Columbus, 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
    Renasant Bank 23 6.85% $4,745
    QUICKEN LOANS, LLC 17 6.90% $6,258
    BancorpSouth 16 6.69% $4,221
    Flagstar Bank, FSB 12 7.06% $7,047
    Trustmark National Bank 11 6.56% $4,800
    Magnolia Bank 10 6.75% $4,812
    SIRVA MORTGAGE, INC. 9 6.69% $1,060
    FIRST COMMUNITY MORTGAGE, INC. 7 7.03% $4,423
    LAND HOME FINANCIAL SERVICES, INC. 5 6.93% $4,912
    FIRST COLONY MORTGAGE CORPORATION 4 6.88% $7,757
    The Citizens National Bank of Meridian 3 6.94% $2,807
    JPMorgan Chase Bank 3 6.16% $931
    RBC Bank, (Georgia) 2 5.94% $2,555
    UNION HOME MORTGAGE CORP. 2 6.25% $8,569
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.38% $4,134
    Mr. Cooper ( Nationstar Mortgage ) 2 7.00% $6,021
    NAVY FEDERAL CREDIT UNION 2 7.69% $6,019
    Regions Bank 2 6.88% $5,761
    SmartBank 1 7.13% $3,705
    Stifel Bank and Trust 1 6.13% $4,615
    STOCKTON MORTGAGE CORPORATION 1 7.13% $4,443
    UNITED WHOLESALE MORTGAGE, LLC 1 6.12% $5,067
    Wells Fargo Bank 1 6.13% $4,212
    21ST MORTGAGE CORPORATION 1 8.45% $6,626
    ZILLOW HOME LOANS, LLC 1 7.63% $5,335
    AMERISAVE MORTGAGE CORPORATION 1 7.75% $5,067
    ANGEL OAK MORTGAGE SOLUTIONS LLC 1 10.88% $6,032
    AVADIAN 1 6.15% $5,049
    BROKER SOLUTIONS, INC. 1 6.88% $4,291
    Citizens Bank 1 6.38% $6,482
    COMMUNITY MORTGAGE CORPORATION 1 6.38% $5,630
    Equity Prime Mortgage LLC 1 6.50% $8,242
    Financial Federal Bank 1 6.75% $3,895
    First Federal Bank 1 7.13% $3,944
    FREEDOM MORTGAGE CORPORATION 1 6.38% $3,862
    LEADERONE FINANCIAL CORPORATION 1 6.99% $7,586
    Merchants & Marine Bank 1 5.50% $2,520
    Mortgage Research Center, LLC 1 7.00% $6,010
    NEWREZ LLC 1 7.38% $5,636
    Raymond James Bank 1 5.75% $4,186
    ROYAL UNITED MORTGAGE LLC 1 6.88% $5,561
    RUOFF MORTGAGE COMPANY, INC. 1 6.50% $4,605

    Columbus Average Closing Costs & Other Stats

    Columbus, MS's 42 lenders originated 981 loans during 2024. The total origination value was $188,515,000, with an average loan value of $192,166.

    Columbus's average closing costs are $5,476.

    The top Columbus lender as defined by loan originations is Renasant Bank, with 23 loans originated. Their average total fees are $4,745, which is $1,513 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Columbus lenders (with over 10 loans originated) are BancorpSouth ($4,221), Renasant Bank ($4,745), Trustmark National Bank ($4,800), Magnolia Bank ($4,812) and QUICKEN LOANS, LLC ($6,258).

    The lowest rate Columbus lenders (with over 10 loans originated) are Trustmark National Bank (6.56%), BancorpSouth (6.69%), Magnolia Bank (6.75%), Renasant Bank (6.85%) and QUICKEN LOANS, LLC (6.90%).

    Columbus, 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
    BankFirst Financial Services $11,470,000 $22,725,000 98.1% 12.1%
    Renasant Bank $16,965,000 $17,495,000 3.1% 9.3%
    Mortgage Research Center, LLC $9,165,000 $14,000,000 52.8% 7.4%
    BancorpSouth $11,620,000 $13,450,000 15.7% 7.1%
    Trustmark National Bank $12,560,000 $10,535,000 -16.1% 5.6%
    QUICKEN LOANS, LLC $6,585,000 $9,975,000 51.5% 5.3%
    Flagstar Bank, FSB $8,885,000 $7,675,000 -13.6% 4.1%
    CARDINAL FINANCIAL $7,075,000 $5,690,000 -19.6% 3.0%
    Magnolia Bank $5,385,000 $5,080,000 -5.7% 2.7%
    COLLIERS MORTGAGE LLC $4,440,000 n/a 2.4%
    UNITED WHOLESALE MORTGAGE, LLC $2,305,000 $4,165,000 80.7% 2.2%
    FIRST COLONY MORTGAGE CORPORATION $335,000 $3,865,000 1,053.7% 2.1%
    FIRST COMMUNITY MORTGAGE, INC. $6,905,000 $3,630,000 -47.4% 1.9%
    SIRVA MORTGAGE, INC. $1,300,000 $3,210,000 146.9% 1.7%
    LAND HOME FINANCIAL SERVICES, INC. $2,715,000 n/a 1.4%
    21ST MORTGAGE CORPORATION $1,775,000 $2,580,000 45.4% 1.4%
    PENNYMAC LOAN SERVICES, LLC $1,820,000 $2,485,000 36.5% 1.3%
    Regions Bank $3,090,000 $2,480,000 -19.7% 1.3%
    CBRE MULTIFAMILY CAPITAL, INC. $2,415,000 n/a 1.3%
    LEADERONE FINANCIAL CORPORATION $2,880,000 $2,350,000 -18.4% 1.2%
    TOWNE MORTGAGE COMPANY $1,270,000 $1,925,000 51.6% 1.0%
    The Citizens National Bank of Meridian $1,880,000 $1,860,000 -1.1% 1.0%
    FREEDOM MORTGAGE CORPORATION $1,645,000 n/a 0.9%
    USAA Federal Savings Bank $2,080,000 $1,645,000 -20.9% 0.9%
    GENEVA FINANCIAL, LLC $275,000 $1,630,000 492.7% 0.9%
    NAVY FEDERAL CREDIT UNION $1,220,000 $1,470,000 20.5% 0.8%
    NEWREZ LLC $495,000 $1,470,000 197.0% 0.8%
    STOCKTON MORTGAGE CORPORATION $750,000 $1,330,000 77.3% 0.7%
    JPMorgan Chase Bank $310,000 $1,005,000 224.2% 0.5%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $115,000 $965,000 739.1% 0.5%
    PLANET HOME LENDING, LLC $965,000 n/a 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $740,000 $960,000 29.7% 0.5%
    The Citizens Bank of Philadelphia, Mississippi $935,000 n/a 0.5%
    CROSSCOUNTRY MORTGAGE, LLC $470,000 $895,000 90.4% 0.5%
    Mr. Cooper ( Nationstar Mortgage ) $1,230,000 $875,000 -28.9% 0.5%
    Guaranty Bank and Trust Company $4,800,000 $795,000 -83.4% 0.4%
    Paramount Residential Mortgage Group, Inc. $1,260,000 $780,000 -38.1% 0.4%
    TRIAD FINANCIAL SERVICES, INC. $800,000 $770,000 -3.8% 0.4%
    UNION HOME MORTGAGE CORP. $765,000 n/a 0.4%
    Goldwater Bank, N.A. $755,000 n/a 0.4%
    BROKER SOLUTIONS, INC. $115,000 $735,000 539.1% 0.4%
    MOVEMENT MORTGAGE, LLC $1,160,000 $665,000 -42.7% 0.4%
    Raymond James Bank $665,000 n/a 0.4%
    LAKEVIEW LOAN SERVICING, LLC $600,000 n/a 0.3%
    Wells Fargo Bank $910,000 $590,000 -35.2% 0.3%
    First Federal Bank $1,105,000 $570,000 -48.4% 0.3%
    The Federal Savings Bank $55,000 $555,000 909.1% 0.3%
    West Alabama Bank & Trust $905,000 $555,000 -38.7% 0.3%
    ZILLOW HOME LOANS, LLC $540,000 n/a 0.3%
    GUARANTEED RATE, INC. $245,000 $495,000 102.0% 0.3%
    GUILD MORTGAGE COMPANY $470,000 n/a 0.2%
    Financial Federal Bank $465,000 n/a 0.2%
    The First, A National Banking Association $995,000 $465,000 -53.3% 0.2%
    RBC Bank, (Georgia) $460,000 n/a 0.2%
    Equity Prime Mortgage LLC $455,000 n/a 0.2%
    Mid-Continent Funding, Inc. $450,000 n/a 0.2%
    PriorityOne Bank $435,000 n/a 0.2%
    Stifel Bank and Trust $335,000 $435,000 29.9% 0.2%
    EVANSVILLE TEACHERS $425,000 n/a 0.2%
    Bank of England $410,000 n/a 0.2%
    CMG MORTGAGE, INC. $980,000 $410,000 -58.2% 0.2%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $405,000 n/a 0.2%
    KEESLER $385,000 n/a 0.2%
    PENTAGON FEDERAL CREDIT UNION $75,000 $385,000 413.3% 0.2%
    PLAZA HOME MORTGAGE, INC. $385,000 n/a 0.2%
    AMERICAN FINANCIAL NETWORK, INC. $355,000 n/a 0.2%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $355,000 n/a 0.2%
    HOMEXPRESS MORTGAGE CORP. $350,000 n/a 0.2%
    LOANDEPOT.COM, LLC $430,000 $345,000 -19.8% 0.2%
    Merchants & Marine Bank $345,000 n/a 0.2%
    PREMIER MORTGAGE RESOURCES, L.L.C. $345,000 n/a 0.2%
    AmeriHome Mortgage Company, LLC $340,000 $340,000 0.0% 0.2%
    Sunflower Bank $325,000 n/a 0.2%
    VILLAGE CAPITAL MORTGAGE $325,000 n/a 0.2%
    American Mortgage Bank, LLC $320,000 n/a 0.2%
    CSL Financial, LLC $260,000 $315,000 21.2% 0.2%
    Community Bank of Mississippi $590,000 $305,000 -48.3% 0.2%
    NBKC BANK $2,985,000 $305,000 -89.8% 0.2%
    Academy Bank $285,000 n/a 0.2%
    ALLIANT CREDIT UNION $285,000 n/a 0.2%
    AMERISAVE MORTGAGE CORPORATION $840,000 $280,000 -66.7% 0.1%
    DEEPHAVEN MORTGAGE LLC $280,000 n/a 0.1%
    Planters Bank & Trust Company $270,000 n/a 0.1%
    U.S. Bank $1,260,000 $270,000 -78.6% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $165,000 $265,000 60.6% 0.1%
    SmartBank $255,000 n/a 0.1%
    CIS Financial Services, Inc. $3,245,000 $240,000 -92.6% 0.1%
    ROYAL UNITED MORTGAGE LLC $310,000 $235,000 -24.2% 0.1%
    AMERITRUST MORTGAGE CORPORATION $205,000 n/a 0.1%
    COMMUNITY MORTGAGE CORPORATION $205,000 n/a 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $195,000 n/a 0.1%
    GMFS LLC $570,000 $195,000 -65.8% 0.1%
    AVADIAN $175,000 n/a 0.1%
    CALCON MUTUAL MORTGAGE LLC $175,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $390,000 $175,000 -55.1% 0.1%
    Carrington Mortgage Services, LLC $590,000 $155,000 -73.7% 0.1%
    City National Bank of Florida $155,000 n/a 0.1%
    SWBC MORTGAGE CORPORATION $150,000 n/a 0.1%
    Nations Lending Corporation $145,000 $145,000 0.0% 0.1%
    Barrington Bank & Trust Company, N.A. $155,000 $135,000 -12.9% 0.1%
    FirstBank $425,000 $130,000 -69.4% 0.1%
    Ameris Bank $125,000 n/a 0.1%
    Citizens Bank $200,000 $125,000 -37.5% 0.1%
    Citizens Bank $200,000 $125,000 -37.5% 0.1%
    First Commercial Bank $175,000 $115,000 -34.3% 0.1%
    Coastal Community Bank $80,000 $90,000 12.5% 0.0%
    Discover Bank $55,000 $90,000 63.6% 0.0%
    Evolve Bank & Trust $75,000 n/a 0.0%
    Figure Lending LLC $70,000 n/a 0.0%
    Alabama One Credit Union $55,000 n/a 0.0%
    RUOFF MORTGAGE COMPANY, INC. $55,000 n/a 0.0%
    ALL IN $35,000 n/a 0.0%
    Bank Independent $35,000 n/a 0.0%

    Columbus's top lender by overall market share is BankFirst Financial Services, with 12.1% market share. In second place, with 9.3%, is Renasant Bank, having originated $17,495,000 in loans. In third place, with 7.4%, is Mortgage Research Center, LLC, having originated $14,000,000 in loans. In fourth place, with 7.1%, is BancorpSouth, having originated $13,450,000 in loans. In fifth place, with 5.6%, is Trustmark National Bank, having originated $10,535,000 in loans.

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

    Realtor.com - Columbus (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 $129,900 (2.9%) $163,567 (-4.0%) 0.00 244
    2018-02-01 $119,950 (-11.1%) $160,116 (-10.6%) 0.00 252
    2018-03-01 $129,500 (-4.5%) $160,188 (-11.8%) 0.00 255
    2018-04-01 $132,200 (-2.0%) $167,673 (-5.0%) 0.00 286
    2018-05-01 $139,700 (6.2%) $172,707 (-2.0%) 0.00 279
    2018-06-01 $139,700 (4.7%) $175,393 (-0.7%) 0.00 287
    2018-07-01 $148,663 (14.4%) $180,192 (3.7%) 0.00 280
    2018-08-01 $154,225 (18.7%) $184,666 (8.7%) 0.00 258
    2018-09-01 $154,900 (19.3%) $187,054 (11.9%) 0.00 259
    2018-10-01 $149,975 (15.4%) $187,922 (9.9%) 0.00 261
    2018-11-01 $148,375 (11.9%) $188,589 (11.6%) 0.00 253
    2018-12-01 $149,900 (15.4%) $189,209 (12.0%) 0.00 242
    2019-01-01 $149,900 (15.4%) $184,239 (12.6%) 0.00 245
    2019-02-01 $149,950 (25.0%) $188,028 (17.4%) 0.00 244
    2019-03-01 $156,643 (21.0%) $198,427 (23.9%) 0.00 237
    2019-04-01 $159,900 (21.0%) $206,178 (23.0%) 0.00 236
    2019-05-01 $154,925 (10.9%) $206,822 (19.8%) 0.00 239
    2019-06-01 $159,900 (14.5%) $217,908 (24.2%) 0.00 234
    2019-07-01 $169,575 (14.1%) $227,692 (26.4%) 0.00 225
    2019-08-01 $169,427 (9.9%) $225,019 (21.9%) 0.00 223
    2019-09-01 $169,693 (9.6%) $223,333 (19.4%) 0.00 222
    2019-10-01 $169,870 (13.3%) $222,209 (18.3%) 0.00 219
    2019-11-01 $169,900 (14.5%) $223,977 (18.8%) 0.00 206
    2019-12-01 $172,400 (15.0%) $231,349 (22.3%) 0.00 199
    2020-01-01 $174,675 (16.5%) $225,927 (22.6%) 0.00 200
    2020-02-01 $191,200 (27.5%) $236,534 (25.8%) 0.00 197
    2020-03-01 $198,750 (26.9%) $235,591 (18.7%) 0.00 200
    2020-04-01 $197,988 (23.8%) $235,166 (14.1%) 0.00 200
    2020-05-01 $189,900 (22.6%) $238,089 (15.1%) 0.00 187
    2020-06-01 $196,922 (23.2%) $248,755 (14.2%) 0.00 170
    2020-07-01 $199,475 (17.6%) $251,046 (10.3%) 0.00 164
    2020-08-01 $211,950 (25.1%) $249,857 (11.0%) 0.00 161
    2020-09-01 $214,900 (26.6%) $251,780 (12.7%) 0.00 151
    2020-10-01 $214,900 (26.5%) $251,874 (13.4%) 0.00 152
    2020-11-01 $183,350 (7.9%) $235,562 (5.2%) 0.00 153
    2020-12-01 $185,900 (7.8%) $239,875 (3.7%) 0.00 143
    2021-01-01 $185,900 (6.4%) $226,356 (0.2%) 0.00 134
    2021-02-01 $184,900 (-3.3%) $229,927 (-2.8%) 0.00 114
    2021-03-01 $185,175 (-6.8%) $234,713 (-0.4%) 0.00 105
    2021-04-01 $195,250 (-1.4%) $253,827 (7.9%) 0.00 91
    2021-05-01 $209,900 (10.5%) $263,759 (10.8%) 0.00 82
    2021-06-01 $194,900 (-1.0%) $260,671 (4.8%) 0.00 78
    2021-07-01 $189,900 (-4.8%) $246,121 (-2.0%) 0.00 78
    2021-08-01 $182,300 (-14.0%) $240,005 (-3.9%) 0.00 87
    2021-09-01 $202,400 (-5.8%) $251,648 (-0.1%) 0.00 87
    2021-10-01 $199,450 (-7.2%) $248,500 (-1.3%) 0.00 91
    2021-11-01 $214,450 (17.0%) $267,436 (13.5%) 0.00 101
    2021-12-01 $196,700 (5.8%) $265,565 (10.7%) 0.00 106
    2022-01-01 $191,750 (3.2%) $302,316 (33.6%) 0.00 95
    2022-02-01 $190,625 (3.1%) $302,956 (31.8%) 0.00 85
    2022-03-01 $211,425 (14.2%) $315,466 (34.4%) 0.00 75
    2022-04-01 $259,900 (33.1%) $338,058 (33.2%) 0.00 90
    2022-05-01 $247,450 (17.9%) $325,309 (23.3%) 0.00 99
    2022-06-01 $231,250 (18.7%) $316,345 (21.4%) 0.00 108
    2022-07-01 $229,450 (20.8%) $290,577 (18.1%) 0.00 132
    2022-08-01 $229,000 (25.6%) $290,624 (21.1%) 0.00 130
    2022-09-01 $215,000 (6.2%) $280,059 (11.3%) 0.00 124
    2022-10-01 $215,000 (7.8%) $283,378 (14.0%) 0.00 134
    2022-11-01 $203,700 (-5.0%) $270,396 (1.1%) 0.00 150
    2022-12-01 $195,450 (-0.6%) $268,699 (1.2%) 0.00 138
    2023-01-01 $196,225 (2.3%) $280,746 (-7.1%) 0.00 124
    2023-02-01 $200,225 (5.0%) $282,947 (-6.6%) 0.00 126
    2023-03-01 $204,495 (-3.3%) $293,472 (-7.0%) 0.00 120
    2023-04-01 $220,000 (-15.4%) $302,114 (-10.6%) 0.00 111
    2023-05-01 $228,500 (-7.7%) $288,052 (-11.5%) 0.00 112
    2023-06-01 $213,675 (-7.6%) $286,485 (-9.4%) 0.00 105
    2023-07-01 $209,750 (-8.6%) $295,554 (1.7%) 0.00 103
    2023-08-01 $257,000 (12.2%) $304,357 (4.7%) 0.00 111
    2023-09-01 $249,450 (16.0%) $290,050 (3.6%) 0.00 123
    2023-10-01 $249,900 (16.2%) $302,727 (6.8%) 0.00 134
    2023-11-01 $244,900 (20.2%) $300,954 (11.3%) 0.00 137
    2023-12-01 $250,000 (27.9%) $306,771 (14.2%) 0.00 140
    2024-01-01 $246,875 (25.8%) $269,951 (-3.8%) 0.00 139
    2024-02-01 $247,500 (23.6%) $267,058 (-5.6%) 0.00 136
    2024-03-01 $239,000 (16.9%) $263,747 (-10.1%) 0.00 129
    2024-04-01 $231,700 (5.3%) $255,724 (-15.4%) 0.00 143
    2024-05-01 $229,500 (0.4%) $255,213 (-11.4%) 0.00 141
    2024-06-01 $224,500 (5.1%) $252,677 (-11.8%) 0.00 151
    2024-07-01 $235,250 (12.2%) $263,147 (-11.0%) 0.00 149
    2024-08-01 $234,700 (-8.7%) $270,200 (-11.2%) 0.00 149
    2024-09-01 $242,875 (-2.6%) $277,235 (-4.4%) 0.00 156
    2024-10-01 $242,250 (-3.1%) $274,231 (-9.4%) 0.00 152
    2024-11-01 $239,000 (-2.4%) $273,138 (-9.2%) 0.00 148
    2024-12-01 $239,000 (-4.4%) $272,840 (-11.1%) 0.00 140
    2025-01-01 $233,375 (-5.5%) $266,842 (-1.2%) 0.00 135
    2025-02-01 $226,975 (-8.3%) $259,746 (-2.7%) 0.00 133
    2025-03-01 $224,900 (-5.9%) $259,278 (-1.7%) 0.00 133
    Columbus's median listing price for 2025-03-01 was $224,900, a difference of $-14,100 (-5.9%) versus the prior year and $-2,075 versus the prior month.

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

    Columbus's average listing price for 2025-03-01 was $259,278, a difference of $-4,469 (-1.7%) versus the prior year and $-468 versus the prior month.

    For the 2025-03-01 period, Columbus had 133 MLS listings, a difference of 0 listings (0%) versus the prior month and 4 listings (3%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Columbus (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,880 sqft
    2018-02-01 0 days 1,814 sqft
    2018-03-01 0 days 1,829 sqft
    2018-04-01 0 days 1,817 sqft
    2018-05-01 0 days 1,834 sqft
    2018-06-01 0 days 1,832 sqft
    2018-07-01 0 days 1,848 sqft
    2018-08-01 0 days 1,860 sqft
    2018-09-01 0 days 1,891 sqft
    2018-10-01 0 days 1,914 sqft
    2018-11-01 0 days 1,897 sqft
    2018-12-01 0 days 1,917 sqft
    2019-01-01 0 days 1,896 sqft
    2019-02-01 0 days 1,917 sqft
    2019-03-01 0 days 1,976 sqft
    2019-04-01 0 days 2,015 sqft
    2019-05-01 0 days 2,000 sqft
    2019-06-01 0 days 2,000 sqft
    2019-07-01 0 days 2,080 sqft
    2019-08-01 0 days 2,027 sqft
    2019-09-01 0 days 2,021 sqft
    2019-10-01 0 days 2,048 sqft
    2019-11-01 0 days 2,162 sqft
    2019-12-01 0 days 2,179 sqft
    2020-01-01 0 days 2,100 sqft
    2020-02-01 0 days 2,220 sqft
    2020-03-01 0 days 2,189 sqft
    2020-04-01 0 days 2,146 sqft
    2020-05-01 0 days 2,172 sqft
    2020-06-01 0 days 2,295 sqft
    2020-07-01 0 days 2,258 sqft
    2020-08-01 0 days 2,300 sqft
    2020-09-01 0 days 2,318 sqft
    2020-10-01 0 days 2,328 sqft
    2020-11-01 0 days 2,143 sqft
    2020-12-01 0 days 2,128 sqft
    2021-01-01 0 days 2,100 sqft
    2021-02-01 0 days 2,109 sqft
    2021-03-01 0 days 2,216 sqft
    2021-04-01 0 days 2,340 sqft
    2021-05-01 0 days 2,300 sqft
    2021-06-01 0 days 2,267 sqft
    2021-07-01 0 days 2,201 sqft
    2021-08-01 0 days 2,229 sqft
    2021-09-01 0 days 2,244 sqft
    2021-10-01 0 days 2,258 sqft
    2021-11-01 0 days 2,161 sqft
    2021-12-01 0 days 2,053 sqft
    2022-01-01 0 days 2,079 sqft
    2022-02-01 0 days 2,033 sqft
    2022-03-01 0 days 2,178 sqft
    2022-04-01 0 days 2,192 sqft
    2022-05-01 0 days 2,190 sqft
    2022-06-01 0 days 2,114 sqft
    2022-07-01 0 days 2,104 sqft
    2022-08-01 0 days 2,092 sqft
    2022-09-01 0 days 2,093 sqft
    2022-10-01 0 days 2,020 sqft
    2022-11-01 0 days 1,985 sqft
    2022-12-01 0 days 1,978 sqft
    2023-01-01 0 days 1,951 sqft
    2023-02-01 0 days 1,971 sqft
    2023-03-01 0 days 2,031 sqft
    2023-04-01 0 days 2,079 sqft
    2023-05-01 0 days 2,080 sqft
    2023-06-01 0 days 1,991 sqft
    2023-07-01 0 days 1,923 sqft
    2023-08-01 0 days 1,998 sqft
    2023-09-01 0 days 2,004 sqft
    2023-10-01 0 days 1,991 sqft
    2023-11-01 0 days 2,032 sqft
    2023-12-01 0 days 2,048 sqft
    2024-01-01 0 days 2,056 sqft
    2024-02-01 0 days 2,059 sqft
    2024-03-01 0 days 2,052 sqft
    2024-04-01 0 days 1,997 sqft
    2024-05-01 0 days 1,989 sqft
    2024-06-01 0 days 1,960 sqft
    2024-07-01 0 days 2,009 sqft
    2024-08-01 0 days 1,983 sqft
    2024-09-01 0 days 2,042 sqft
    2024-10-01 0 days 2,008 sqft
    2024-11-01 0 days 1,960 sqft
    2024-12-01 0 days 2,009 sqft
    2025-01-01 0 days 1,954 sqft
    2025-02-01 0 days 1,915 sqft
    2025-03-01 0 days 1,817 sqft
    Columbus's median listing age (time on market) for 2025-03-01 was 0 days.

    Columbus's median square footage for active listings during the 2025-03-01 period was 1,817 sqft. One year prior, the average listing was 2,052 sqft.

    Columbus, MS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 595 $129,205,000 $217,151
    Refi 186 $34,520,000 $185,591
    Other 82 $9,500,000 $115,854
    Cash Out Refi 77 $12,475,000 $162,013
    Home Improvement 41 $2,815,000 $68,659

    Columbus's most frequently cited loan purpose was Home Purchase, with 595 originations. The 2nd most popular reason was Refi, with 186 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 361 $89,485,000 $247,881
    Over 8% 213 $19,105,000 $89,695
    5-6% 163 $42,465,000 $260,521
    7-8% 158 $26,510,000 $167,785
    <2.5% 32 $2,130,000 $66,563
    4-5% 29 $4,825,000 $166,379
    2.5-3% 5 $1,045,000 $209,000
    3-4% 4 $550,000 $137,500

    During 2024, Columbus's most frequently originated rate bucket was 6-7%, with 361 originations.

    Loan Sizing (Columbus, MS MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 329 $91,955,000 $279,498
    $100k-200k 315 $47,035,000 $149,317
    $100,000 or less 286 $14,540,000 $50,839
    $400k-600k 39 $17,625,000 $451,923
    $600k-1000k 8 $5,500,000 $687,500
    $Over $1MM 4 $11,860,000 $2,965,000

    Columbus's loan sizing saw the bucket of loans from $200k-400k with 329 originations, totaling $91,955,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 474 $107,970,000 $227,785
    60-80% 152 $31,690,000 $208,487
    Under 20% 109 $3,535,000 $32,431
    20-40% 88 $6,360,000 $72,273
    40-60% 67 $13,025,000 $194,403
    Over 100% 44 $12,870,000 $292,500

    Columbus's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 474 originations, totaling $107,970,000 in origination value.