Greenville Mortgage Rates & Closing Costs
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% |
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.