Greenville Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Greenville averaged 6.47% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

The average rate for the prior week (2025-06-26) was 6.57% and one month ago for the week of 2025-05-29, the average rate was 6.69%.

Greenville's average rate one year ago was 6.66%.

For refis of the same type during the week of 2025-07-03, the average rate was 6.77%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-07-03 6.67%
Greenville 30 Year Fixed Rate 2025-07-03 6.47%
Greenville 30 Year Fixed Rate Refi 2025-07-03 6.77%
Greenville 15 Year Fixed Rate 2025-07-03 5.6%
Greenville 15 Year Fixed Rate Refi 2025-07-03 5.9%
Greenville 30 Year FHA 2025-07-03 0.1%
Greenville 30 Year FHA Refi 2025-07-03 0.1%
Greenville 30 Year USDA 2025-07-03 0.2%
Greenville 30 Year USDA Refi 2025-07-03 0.1%
Greenville 30 Year VA 2025-07-03 -0.1%
Greenville 30 Year VA Refi 2025-07-03 0.2%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Greenville, MS.

Greenville 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 Greenville, 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
JPMorgan Chase Bank 14 6.19% $4,588
EUSTIS AND AMERICAN MORTGAGE COMPANY 4 7.28% $4,158
Trustmark National Bank 3 6.82% $4,454
Regions Bank 3 6.83% $4,977
GUILD MORTGAGE COMPANY 2 6.31% $4,315
QUICKEN LOANS, LLC 2 6.87% $8,408
FIRST COMMUNITY MORTGAGE, INC. 2 6.94% $4,580
HOPE FEDERAL CREDIT UNION 2 6.94% $3,556
BancorpSouth 1 7.00% $2,927
Wells Fargo Bank 1 8.63% $4,503
BankPlus 1 6.50% $5,956
Baxter Credit Union 1 6.63% $3,674
GMFS LLC 1 6.99% $1,751
LOANDEPOT.COM, LLC 1 6.99% $5,466
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.49% $6,587
ROYAL UNITED MORTGAGE LLC 1 7.38% $5,734
U.S. Bank 1 7.75% $0

Greenville Average Closing Costs & Other Stats

Greenville, MS's 17 lenders originated 420 loans during 2024. The total origination value was $45,790,000, with an average loan value of $109,024.

Greenville's average closing costs are $4,788.

The top Greenville lender as defined by loan originations is JPMorgan Chase Bank, with 14 loans originated. Their average total fees are $4,588, which is $430 higher than the next largest lender, EUSTIS AND AMERICAN MORTGAGE COMPANY.

The lowest fee Greenville lenders (with over 10 loans originated) are JPMorgan Chase Bank ($4,588), .

The lowest rate Greenville lenders (with over 10 loans originated) are JPMorgan Chase Bank (6.19%), .

Greenville, 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
Planters Bank & Trust Company $12,155,000 $8,555,000 -29.6% 18.7%
Guaranty Bank and Trust Company $4,400,000 $8,085,000 83.8% 17.7%
CBRE MULTIFAMILY CAPITAL, INC. $3,015,000 n/a 6.6%
Trustmark National Bank $3,470,000 $2,770,000 -20.2% 6.0%
JPMorgan Chase Bank $75,000 $2,655,000 3,440.0% 5.8%
Regions Bank $2,255,000 $2,335,000 3.5% 5.1%
QUICKEN LOANS, LLC $2,150,000 $2,165,000 0.7% 4.7%
Southern Bancorp Bank $1,280,000 $1,595,000 24.6% 3.5%
Mortgage Research Center, LLC $800,000 $1,360,000 70.0% 3.0%
BankPlus $1,500,000 $955,000 -36.3% 2.1%
CB&S Bank, Inc. $485,000 $930,000 91.8% 2.0%
EUSTIS AND AMERICAN MORTGAGE COMPANY $1,260,000 $925,000 -26.6% 2.0%
GMFS LLC $820,000 n/a 1.8%
PENNYMAC LOAN SERVICES, LLC $810,000 n/a 1.8%
GUILD MORTGAGE COMPANY $765,000 n/a 1.7%
FIRST COMMUNITY MORTGAGE, INC. $620,000 n/a 1.4%
21ST MORTGAGE CORPORATION $250,000 $420,000 68.0% 0.9%
FREEDOM MORTGAGE CORPORATION $385,000 n/a 0.8%
Nations Lending Corporation $365,000 n/a 0.8%
Renasant Bank $330,000 $365,000 10.6% 0.8%
Flagstar Bank, FSB $55,000 $325,000 490.9% 0.7%
HOPE FEDERAL CREDIT UNION $325,000 n/a 0.7%
First Federal Bank $265,000 n/a 0.6%
PriorityOne Bank $260,000 n/a 0.6%
BankFirst Financial Services $205,000 $235,000 14.6% 0.5%
GUARANTEED RATE, INC. $410,000 $215,000 -47.6% 0.5%
Merchants & Marine Bank $215,000 n/a 0.5%
BancorpSouth $405,000 $205,000 -49.4% 0.4%
NAVY FEDERAL CREDIT UNION $340,000 $200,000 -41.2% 0.4%
Community Bank of Mississippi $830,000 $195,000 -76.5% 0.4%
Paramount Residential Mortgage Group, Inc. $195,000 n/a 0.4%
PREMIA MORTGAGE, LLC $195,000 n/a 0.4%
NEWREZ LLC $160,000 $185,000 15.6% 0.4%
U.S. Bank $170,000 n/a 0.4%
AMERITRUST MORTGAGE CORPORATION $165,000 n/a 0.4%
Hometown Equity Mortgage, LLC $155,000 n/a 0.3%
Evolve Bank & Trust $140,000 $150,000 7.1% 0.3%
UNITED WHOLESALE MORTGAGE, LLC $200,000 $150,000 -25.0% 0.3%
HOMEBRIDGE FINANCIAL SERVICES, INC. $145,000 n/a 0.3%
INTERLINC MORTGAGE SERVICES, LLC $135,000 n/a 0.3%
BARKSDALE $125,000 n/a 0.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $385,000 $125,000 -67.5% 0.3%
PLANET HOME LENDING, LLC $375,000 $125,000 -66.7% 0.3%
Figure Lending LLC $120,000 n/a 0.3%
Mr. Cooper ( Nationstar Mortgage ) $255,000 $120,000 -52.9% 0.3%
Discover Bank $110,000 n/a 0.2%
TRIAD FINANCIAL SERVICES, INC. $105,000 n/a 0.2%
Baxter Credit Union $95,000 n/a 0.2%
STOCKTON MORTGAGE CORPORATION $85,000 n/a 0.2%
LIMA ONE CAPITAL, LLC $75,000 n/a 0.2%
LOANDEPOT.COM, LLC $165,000 $75,000 -54.5% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $55,000 $75,000 36.4% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $180,000 $75,000 -58.3% 0.2%
INTOUCH CREDIT UNION $65,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $55,000 $65,000 18.2% 0.1%
VILLAGE CAPITAL MORTGAGE $65,000 n/a 0.1%
KEESLER $55,000 n/a 0.1%
Citizens Bank $55,000 $45,000 -18.2% 0.1%
Wells Fargo Bank $200,000 $45,000 -77.5% 0.1%
Bank of America $25,000 $35,000 40.0% 0.1%
DIGITAL Federal Credit Union $35,000 n/a 0.1%
Coastal Community Bank $15,000 n/a 0.0%

Greenville's top lender by overall market share is Planters Bank & Trust Company, with 18.7% market share. In second place, with 17.7%, is Guaranty Bank and Trust Company, having originated $8,085,000 in loans. In third place, with 6.6%, is CBRE MULTIFAMILY CAPITAL, INC., having originated $3,015,000 in loans. In fourth place, with 6.0%, is Trustmark National Bank, having originated $2,770,000 in loans. In fifth place, with 5.8%, is JPMorgan Chase Bank, having originated $2,655,000 in loans.

Greenville, MS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 207 $28,325,000 $136,836
Refi 119 $10,045,000 $84,412
Home Improvement 49 $2,885,000 $58,878
Cash Out Refi 23 $3,315,000 $144,130
Other 22 $1,220,000 $55,455

Greenville's most frequently cited loan purpose was Home Purchase, with 207 originations. The 2nd most popular reason was Refi, with 119 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
Over 8% 178 $13,150,000 $73,876
6-7% 88 $13,000,000 $147,727
7-8% 33 $3,405,000 $103,182
5-6% 25 $7,335,000 $293,400
<2.5% 17 $195,000 $11,471
4-5% 2 $360,000 $180,000
3-4% 1 $25,000 $25,000

During 2024, Greenville's most frequently originated rate bucket was Over 8%, with 178 originations.

Loan Sizing (Greenville, MS MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 248 $10,700,000 $43,145
$100k-200k 120 $17,180,000 $143,167
$200k-400k 44 $11,400,000 $259,091
$400k-600k 5 $2,255,000 $451,000
$600k-1000k 2 $1,240,000 $620,000
$Over $1MM 1 $3,015,000 $3,015,000

Greenville's loan sizing saw the bucket of loans from $100,000 or less with 248 originations, totaling $10,700,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 123 $18,745,000 $152,398
60-80% 78 $11,040,000 $141,538
40-60% 51 $3,275,000 $64,216
20-40% 50 $2,820,000 $56,400
Under 20% 35 $705,000 $20,143
Over 100% 1 $145,000 $145,000

Greenville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 123 originations, totaling $18,745,000 in origination value.