Greenville Mortgage Rates

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

30 Year Fixed Rate mortgages in Greenville averaged 6.33% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.14% and one month ago for the week of 2022-05-26, the average rate was 5.73%.

Greenville's average rate one year ago was 3.41%.

For refis of the same type during the week of 2022-06-30, the average rate was 6.25%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Greenville 30 Year Fixed Rate 2022-06-30 6.33%
Greenville 30 Year Fixed Rate Refi 2022-06-30 6.25%
Greenville 15 Year Fixed Rate 2022-06-30 6.3%
Greenville 15 Year Fixed Rate Refi 2022-06-30 4.96%
Greenville 30 Year FHA 2022-06-30 5.5%
Greenville 30 Year FHA Refi 2022-06-30 5.46%
Greenville 30 Year USDA 2022-06-30 5.76%
Greenville 30 Year USDA Refi 2022-06-30 5.02%
Greenville 30 Year VA 2022-06-30 5.51%
Greenville 30 Year VA Refi 2022-06-30 5.79%
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 lendor, 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 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Trustmark National Bank 18 3.46% $3,413
QUICKEN LOANS, LLC 17 3.19% $4,885
Regions Bank 9 3.31% $3,533
Magnolia Bank 8 3.19% $4,698
Wells Fargo Bank 4 3.41% $2,660
GUARANTY HOME MORTGAGE CORPORATION 4 3.19% $6,848
First Federal Bank 3 3.21% $8,318
Mr. Cooper ( Nationstar Mortgage ) 2 3.00% $4,782
CB&S Bank, Inc. 2 2.94% $3,581
FREEDOM MORTGAGE CORPORATION 2 3.38% $884
LOANDEPOT.COM, LLC 2 2.93% $1,746
BancorpSouth Bank 2 3.19% $2,946
FIDELITY BANK 2 3.31% $3,299
NAVY FEDERAL CREDIT UNION 2 4.44% $4,021
CALIBER HOME LOANS, INC. 2 3.04% $3,234
Simmons Bank 1 3.25% $5,842
SIRVA MORTGAGE, INC. 1 3.50% $509
SUCCESS MORTGAGE PARTNERS, INC. 1 3.25% $2,634
HOPE FEDERAL CREDIT UNION 1 4.75% $3,809
AMERISAVE MORTGAGE CORPORATION 1 2.75% $2,256
BETTER MORTGAGE CORPORATION 1 3.00% $5,258
CHURCHILL MORTGAGE CORPORATION 1 3.25% $3,370
Citizens Bank 1 3.13% $2,860
Community Bank of Mississippi 1 3.25% $3,332
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 3.25% $3,305
First Horizon Bank 1 2.75% $1,746
FIRST NORTHERN Credit Union 1 3.25% $3,191
Ally Bank 1 3.25% $1,971
JPMorgan Chase Bank 1 3.25% $3,617
Mortgage Research Center, LLC 1 2.99% $5,448
Origin Bank 1 2.63% $2,297
ROYAL UNITED MORTGAGE LLC 1 3.63% $7,302
RUOFF MORTGAGE COMPANY, INC. 1 3.38% $2,675

Greenville, MS's 33 lenders originated 668 loans during 2021. The total origination value was $91,920,000, with an average loan value of $137,605.

The top Greenville lender as defined by loan originations is Trustmark National Bank, with 18 loans originated. Their average total fees are $3,413, which is $1,472 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Greenville lenders (with over 10 loans originated) are Trustmark National Bank ($3,413), QUICKEN LOANS, LLC ($4,885), .

The lowest rate Greenville lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (3.19%), Trustmark National Bank (3.46%), .

Greenville, MS Lender 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 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Planters Bank & Trust Company $13,120,000 $10,905,000 -16.9% 11.9%
QUICKEN LOANS, LLC $8,840,000 $10,065,000 13.9% 10.9%
Capital One $8,005,000 n/a 8.7%
Magnolia Bank $6,510,000 $5,810,000 -10.8% 6.3%
Arbor Realty Trust, Inc. $4,945,000 n/a 5.4%
PriorityOne Bank $5,215,000 $4,935,000 -5.4% 5.4%
Trustmark National Bank $3,015,000 $4,725,000 56.7% 5.1%
Guaranty Bank and Trust Company $2,770,000 $4,130,000 49.1% 4.5%
Regions Bank $5,810,000 $3,290,000 -43.4% 3.6%
FREEDOM MORTGAGE CORPORATION $2,695,000 $3,100,000 15.0% 3.4%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $3,070,000 n/a 3.3%
BankPlus $495,000 $2,980,000 502.0% 3.2%
Southern Bancorp Bank $2,385,000 $2,305,000 -3.4% 2.5%
GUARANTY HOME MORTGAGE CORPORATION $495,000 $1,625,000 228.3% 1.8%
21ST MORTGAGE CORPORATION $425,000 $1,445,000 240.0% 1.6%
Community Bank of Mississippi $1,570,000 $1,270,000 -19.1% 1.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,180,000 $1,185,000 0.4% 1.3%
Mortgage Research Center, LLC $725,000 $1,135,000 56.6% 1.2%
LOANDEPOT.COM, LLC $515,000 $1,125,000 118.4% 1.2%
First Federal Bank $700,000 $1,120,000 60.0% 1.2%
CB&S Bank, Inc. $1,330,000 $1,055,000 -20.7% 1.1%
AMERISAVE MORTGAGE CORPORATION $215,000 $910,000 323.3% 1.0%
BancorpSouth Bank $35,000 $810,000 2,214.3% 0.9%
Wells Fargo Bank $615,000 $695,000 13.0% 0.8%
CALIBER HOME LOANS, INC. $185,000 $635,000 243.2% 0.7%
Mr. Cooper ( Nationstar Mortgage ) $680,000 $635,000 -6.6% 0.7%
Simmons Bank $590,000 n/a 0.6%
USAA Federal Savings Bank $165,000 $560,000 239.4% 0.6%
Nations Lending Corporation $555,000 n/a 0.6%
Liberty Bank and Trust Company $65,000 $445,000 584.6% 0.5%
VILLAGE CAPITAL & INVESTMENT LLC $535,000 $425,000 -20.6% 0.5%
BETTER MORTGAGE CORPORATION $400,000 n/a 0.4%
NEWREZ LLC $265,000 $400,000 50.9% 0.4%
Origin Bank $270,000 $395,000 46.3% 0.4%
Lakeview Community Capital, LLC $375,000 n/a 0.4%
NAVY FEDERAL CREDIT UNION $45,000 $330,000 633.3% 0.4%
Carrington Mortgage Services, LLC $340,000 $320,000 -5.9% 0.3%
SIRVA MORTGAGE, INC. $305,000 n/a 0.3%
FIDELITY BANK $115,000 $250,000 117.4% 0.3%
First Horizon Bank $245,000 n/a 0.3%
Renasant Bank $570,000 $245,000 -57.0% 0.3%
Flagstar Bank, FSB $175,000 $240,000 37.1% 0.3%
AMERICAN INTERNET MORTGAGE, INC. $235,000 n/a 0.3%
U.S. Bank $55,000 $200,000 263.6% 0.2%
CHURCHILL MORTGAGE CORPORATION $85,000 $195,000 129.4% 0.2%
INTERLINC MORTGAGE SERVICES, LLC $180,000 n/a 0.2%
Austin Capital Bank SSB $165,000 n/a 0.2%
BECKAM FUNDING CORP. $155,000 n/a 0.2%
Chicago Mortgage Solutions LLC $155,000 n/a 0.2%
FINANCE OF AMERICA COMMERCIAL LLC $155,000 n/a 0.2%
BROKER SOLUTIONS, INC. $150,000 n/a 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $115,000 $150,000 30.4% 0.2%
JPMorgan Chase Bank $145,000 $145,000 0.0% 0.2%
PRIMARY RESIDENTIAL MORTGAGE, INC. $95,000 $145,000 52.6% 0.2%
SUCCESS MORTGAGE PARTNERS, INC. $145,000 n/a 0.2%
AMERICAN ADVISORS GROUP $70,000 $135,000 92.9% 0.1%
Citizens Bank $135,000 n/a 0.1%
First Savings Bank $135,000 n/a 0.1%
FirstBank $130,000 n/a 0.1%
RUOFF MORTGAGE COMPANY, INC. $125,000 n/a 0.1%
ROYAL UNITED MORTGAGE LLC $245,000 $120,000 -51.0% 0.1%
FIRST NORTHERN Credit Union $115,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $105,000 n/a 0.1%
FIRST COMMUNITY MORTGAGE, INC. $85,000 n/a 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $85,000 n/a 0.1%
Ally Bank $75,000 n/a 0.1%
Citizens Bank $75,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $105,000 $75,000 -28.6% 0.1%
Bank of America $120,000 $65,000 -45.8% 0.1%
KEESLER $65,000 n/a 0.1%
Reliant Bank $65,000 n/a 0.1%
1st Franklin Financial Corporation $60,000 n/a 0.1%
HOPE FEDERAL CREDIT UNION $710,000 $55,000 -92.3% 0.1%
BankTennessee $25,000 n/a 0.0%
Clearview Federal Credit Union $25,000 n/a 0.0%

Greenville's top lender by overall market share is Planters Bank & Trust Company, with 11.9% market share. In second place, with 10.9%, is QUICKEN LOANS, LLC, having originated $10,065,000 in loans. In third place, with 8.7%, is Capital One, having originated $8,005,000 in loans. In third place, with 6.3%, is Magnolia Bank, having originated $5,810,000 in loans. In third place, with 5.4%, is Arbor Realty Trust, Inc., having originated $4,945,000 in loans.


Greenville, MS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 295 $38,765,000 $131,407
Refi 293 $46,065,000 $157,218
Cash Out Refi 45 $5,335,000 $118,556
Home Improvement 23 $1,065,000 $46,304
Other 12 $690,000 $57,500

Greenville's most frequently cited loan purpose was Home Purchase, with 295 originations. The 2nd most popular reason was Refi, with 293 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 165 $23,085,000 $139,909
2.5-3% 160 $23,750,000 $148,438
4-5% 105 $12,015,000 $114,429
<2.5% 84 $10,680,000 $127,143
5-6% 68 $3,550,000 $52,206
6-7% 27 $2,305,000 $85,370
Over 8% 11 $645,000 $58,636
7-8% 4 $210,000 $52,500

During 2021, Greenville's most frequently originated rate bucket was 3-4%, with 165 originations.

Loan Sizing (Greenville, MS MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 365 $18,705,000 $51,247
$100k-200k 218 $31,120,000 $142,752
$200k-400k 70 $17,520,000 $250,286
$400k-600k 9 $4,405,000 $489,444
$Over $1MM 6 $20,170,000 $3,361,667

Greenville's loan sizing saw the bucket of loans from $100,000 or less with 365 originations, totaling $18,705,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 263 $42,435,000 $161,350
60-80% 192 $28,630,000 $149,115
40-60% 76 $6,110,000 $80,395
20-40% 44 $2,050,000 $46,591
Under 20% 25 $415,000 $16,600
Over 100% 4 $600,000 $150,000

Greenville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 263 originations, totaling $42,435,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Greenville (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 $128,500 (34.2%) $149,990 (14.1%) 0.00 121
2018-02-01 $140,450 (37.0%) $154,627 (8.7%) 0.00 128
2018-03-01 $141,000 (34.3%) $157,504 (3.5%) 0.00 131
2018-04-01 $142,000 (19.3%) $159,919 (-0.3%) 0.00 130
2018-05-01 $135,000 (15.4%) $152,810 (-2.0%) 0.00 135
2018-06-01 $125,000 (-10.7%) $143,454 (-13.4%) 0.00 143
2018-07-01 $135,000 (9.8%) $143,697 (-7.0%) 0.00 140
2018-08-01 $129,900 (8.3%) $139,633 (-8.2%) 0.00 135
2018-09-01 $119,000 (0.0%) $139,585 (-5.4%) 0.00 131
2018-10-01 $120,000 (0.0%) $141,586 (-2.2%) 0.00 140
2018-11-01 $122,000 (1.7%) $139,306 (-1.5%) 0.00 135
2018-12-01 $130,000 (8.3%) $143,671 (0.6%) 0.00 128
2019-01-01 $127,500 (-0.8%) $146,693 (-2.2%) 0.00 111
2019-02-01 $123,500 (-12.1%) $145,091 (-6.2%) 0.00 109
2019-03-01 $122,643 (-13.0%) $143,579 (-8.8%) 0.00 105
2019-04-01 $125,643 (-11.5%) $144,500 (-9.6%) 0.00 110
2019-05-01 $121,500 (-10.0%) $144,090 (-5.7%) 0.00 114
2019-06-01 $125,500 (0.4%) $144,452 (0.7%) 0.00 114
2019-07-01 $130,000 (-3.7%) $152,932 (6.4%) 0.00 104
2019-08-01 $125,714 (-3.2%) $147,689 (5.8%) 0.00 98
2019-09-01 $109,750 (-7.8%) $139,969 (0.3%) 0.00 102
2019-10-01 $99,250 (-17.3%) $133,739 (-5.5%) 0.00 107
2019-11-01 $110,000 (-9.8%) $133,548 (-4.1%) 0.00 113
2019-12-01 $104,500 (-19.6%) $130,551 (-9.1%) 0.00 109
2020-01-01 $110,000 (-13.7%) $128,415 (-12.5%) 0.00 104
2020-02-01 $115,000 (-6.9%) $142,269 (-1.9%) 0.00 117
2020-03-01 $125,000 (1.9%) $149,389 (4.1%) 0.00 118
2020-04-01 $120,000 (-4.5%) $150,721 (4.3%) 0.00 119
2020-05-01 $125,000 (2.9%) $156,138 (8.4%) 0.00 108
2020-06-01 $125,000 (-0.4%) $159,121 (10.2%) 0.00 107
2020-07-01 $125,000 (-3.9%) $158,597 (3.7%) 0.00 103
2020-08-01 $120,000 (-4.6%) $157,812 (6.9%) 0.00 102
2020-09-01 $120,000 (9.3%) $155,924 (11.4%) 0.00 91
2020-10-01 $119,500 (20.4%) $159,869 (19.5%) 0.00 89
2020-11-01 $110,000 (0.0%) $154,775 (15.9%) 0.00 94
2020-12-01 $110,000 (5.3%) $158,524 (21.4%) 0.00 87
2021-01-01 $110,000 (0.0%) $159,380 (24.1%) 0.00 84
2021-02-01 $110,000 (-4.4%) $152,015 (6.9%) 0.00 86
2021-03-01 $116,500 (-6.8%) $155,053 (3.8%) 0.00 77
2021-04-01 $121,250 (1.0%) $159,560 (5.9%) 0.00 74
2021-05-01 $140,000 (12.0%) $171,086 (9.6%) 0.00 66
2021-06-01 $140,000 (12.0%) $181,219 (13.9%) 0.00 67
2021-07-01 $129,000 (3.2%) $176,330 (11.2%) 0.00 62
2021-08-01 $130,500 (8.8%) $181,769 (15.2%) 0.00 57
2021-09-01 $130,500 (8.8%) $172,866 (10.9%) 0.00 58
2021-10-01 $128,500 (7.5%) $160,450 (0.4%) 0.00 71
2021-11-01 $129,000 (17.3%) $168,770 (9.0%) 0.00 76
2021-12-01 $129,450 (17.7%) $177,625 (12.1%) 0.00 66
2022-01-01 $135,000 (22.7%) $185,185 (16.2%) 0.00 65
2022-02-01 $125,000 (13.6%) $180,920 (19.0%) 0.00 56
2022-03-01 $105,000 (-9.9%) $163,452 (5.4%) 0.00 56
2022-04-01 $140,000 (15.5%) $195,598 (22.6%) 0.00 50
2022-05-01 $138,450 (-1.1%) $172,645 (0.9%) 0.00 51
2022-06-01 $136,000 (-2.9%) $154,292 (-14.9%) 0.00 53
Greenville's median listing price for 2022-06-01 was $136,000, a difference of $-4,000 (-2.9%) versus the prior year and $-2,450 versus the prior month.

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

Greenville's average listing price for 2022-06-01 was $154,292, a difference of $-26,927 (-14.9%) versus the prior year and $-18,353 versus the prior month.

For the 2022-06-01 period, Greenville had 53 MLS listings, a difference of 2 listings (4%) versus the prior month and -14 listings (-21%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Greenville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,971 sqft
2018-02-01 0 days 2,140 sqft
2018-03-01 0 days 2,140 sqft
2018-04-01 0 days 2,197 sqft
2018-05-01 0 days 2,066 sqft
2018-06-01 0 days 2,005 sqft
2018-07-01 0 days 2,058 sqft
2018-08-01 0 days 1,998 sqft
2018-09-01 0 days 2,040 sqft
2018-10-01 0 days 2,043 sqft
2018-11-01 0 days 1,999 sqft
2018-12-01 0 days 2,030 sqft
2019-01-01 0 days 2,054 sqft
2019-02-01 0 days 2,083 sqft
2019-03-01 0 days 2,076 sqft
2019-04-01 0 days 2,100 sqft
2019-05-01 0 days 2,046 sqft
2019-06-01 0 days 2,040 sqft
2019-07-01 0 days 2,034 sqft
2019-08-01 0 days 2,011 sqft
2019-09-01 0 days 1,960 sqft
2019-10-01 0 days 1,867 sqft
2019-11-01 0 days 1,886 sqft
2019-12-01 0 days 1,886 sqft
2020-01-01 0 days 1,905 sqft
2020-02-01 0 days 1,994 sqft
2020-03-01 0 days 2,000 sqft
2020-04-01 0 days 1,967 sqft
2020-05-01 0 days 2,004 sqft
2020-06-01 0 days 2,037 sqft
2020-07-01 0 days 1,994 sqft
2020-08-01 0 days 2,165 sqft
2020-09-01 0 days 2,165 sqft
2020-10-01 0 days 2,120 sqft
2020-11-01 0 days 1,961 sqft
2020-12-01 0 days 2,094 sqft
2021-01-01 0 days 1,963 sqft
2021-02-01 0 days 1,843 sqft
2021-03-01 0 days 1,910 sqft
2021-04-01 0 days 1,964 sqft
2021-05-01 0 days 2,223 sqft
2021-06-01 0 days 2,334 sqft
2021-07-01 0 days 2,340 sqft
2021-08-01 0 days 2,236 sqft
2021-09-01 0 days 2,120 sqft
2021-10-01 0 days 1,886 sqft
2021-11-01 0 days 1,768 sqft
2021-12-01 0 days 1,715 sqft
2022-01-01 0 days 1,735 sqft
2022-02-01 0 days 1,901 sqft
2022-03-01 0 days 1,715 sqft
2022-04-01 0 days 1,950 sqft
2022-05-01 0 days 1,911 sqft
2022-06-01 0 days 1,830 sqft
Greenville's median listing age (time on market) for 2022-06-01 was 0 days.

Greenville's median square footage for active listings during the 2022-06-01 period was 1,830 sqft. One year prior, the average listing was 2,334 sqft.