Columbus Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Columbus averaged
7%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
7.05% and
one month ago for the week of 2025-04-17, the
average rate was 6.97%.
Columbus's average rate one year ago was 6.96%.
For refis of the same type during the week of 2025-05-22, the average rate
was 6.86%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Columbus 30 Year Fixed Rate | 2025-05-22 | 7% |
| Columbus 30 Year Fixed Rate Refi | 2025-05-22 | 6.86% |
| Columbus 15 Year Fixed Rate | 2025-05-22 | 5.81% |
| Columbus 15 Year Fixed Rate Refi | 2025-05-22 | 6.51% |
| Columbus 30 Year FHA | 2025-05-22 | 6.39% |
| Columbus 30 Year FHA Refi | 2025-05-22 | 6.61% |
| Columbus 30 Year USDA | 2025-05-22 | 6.23% |
| Columbus 30 Year USDA Refi | 2025-05-22 | 6.63% |
| Columbus 30 Year VA | 2025-05-22 | 6.51% |
| Columbus 30 Year VA Refi | 2025-05-22 | 6.32% |
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.).
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 |
| 2025-04-01 | $224,725 (-3.0%) | $257,352 (0.6%) | 0.00 | 145 |
Columbus's median listing price comes in at 0% of the national average.
Columbus's average listing price for 2025-04-01 was $257,352, a difference of $1,628 (0.6%) versus the prior year and $-1,926 versus the prior month.
For the 2025-04-01 period, Columbus had 145 MLS listings, a difference of 12 listings (9%) versus the prior month and 2 listings (1%) 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 |
| 2025-04-01 | 0 days | 1,921 sqft |
Columbus's median square footage for active listings during the 2025-04-01 period was 1,921 sqft. One year prior, the average listing was 1,997 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.