HATTIESBURG Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Hattiesburg averaged
6.59%
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
7.09% and
one month ago for the week of 2025-05-29, the
average rate was 6.91%.
Hattiesburg's average rate one year ago was 7.18%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.94%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Hattiesburg 30 Year Fixed Rate | 2025-07-03 | 6.59% |
| Hattiesburg 30 Year Fixed Rate Refi | 2025-07-03 | 6.94% |
| Hattiesburg 15 Year Fixed Rate | 2025-07-03 | 5.6% |
| Hattiesburg 15 Year Fixed Rate Refi | 2025-07-03 | 6.4% |
| Hattiesburg 30 Year FHA | 2025-07-03 | -0.04% |
| Hattiesburg 30 Year FHA Refi | 2025-07-03 | -0.1% |
| Hattiesburg 30 Year USDA | 2025-07-03 | -0.41% |
| Hattiesburg 30 Year USDA Refi | 2025-07-03 | -0.1% |
| Hattiesburg 30 Year VA | 2025-07-03 | 0.17% |
| Hattiesburg 30 Year VA Refi | 2025-07-03 | -0.55% |
HATTIESBURG 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 HATTIESBURG, 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.).
HATTIESBURG Average Closing Costs & Other Stats
HATTIESBURG, MS's 92 lenders originated 3,134
loans during 2024. The total origination value was $589,040,000, with an average loan value of
$187,951.
HATTIESBURG's average closing costs are $5,280.
The top HATTIESBURG lender as defined by loan originations is Trustmark National Bank, with
70 loans originated. Their average total fees are
$5,027, which is $1,128
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee HATTIESBURG lenders (with over 10 loans originated) are
The Citizens National Bank of Meridian ($3,254), Merchants & Marine Bank ($4,402), Hancock Whitney Bank ($4,437), GMFS LLC ($4,638) and Community Bank of Mississippi ($4,926).
The lowest rate HATTIESBURG lenders (with over 10 loans originated) are
FIRST COLONY MORTGAGE CORPORATION (6.60%), BancorpSouth (6.60%), Trustmark National Bank (6.68%), Hancock Whitney Bank (6.70%) and The Citizens National Bank of Meridian (6.73%).
HATTIESBURG, 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 |
|---|---|---|---|---|
| Trustmark National Bank | $44,760,000 | $52,300,000 | 16.8% | 8.9% |
| Community Bank of Mississippi | $27,705,000 | $32,725,000 | 18.1% | 5.6% |
| The First, A National Banking Association | $25,320,000 | $30,675,000 | 21.1% | 5.2% |
| BancorpSouth | $23,275,000 | $28,765,000 | 23.6% | 4.9% |
| QUICKEN LOANS, LLC | $25,935,000 | $26,025,000 | 0.3% | 4.4% |
| Merchants & Marine Bank | $23,985,000 | $20,225,000 | -15.7% | 3.4% |
| Magnolia State Bank | $20,580,000 | $19,900,000 | -3.3% | 3.4% |
| PriorityOne Bank | $18,590,000 | $19,790,000 | 6.5% | 3.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $14,020,000 | $17,700,000 | 26.2% | 3.0% |
| Regions Bank | $23,180,000 | $17,225,000 | -25.7% | 2.9% |
| Pinnacle Bank | $16,885,000 | n/a | 2.9% | |
| Mortgage Research Center, LLC | $13,480,000 | $16,160,000 | 19.9% | 2.7% |
| FREEDOM MORTGAGE CORPORATION | $3,185,000 | $14,285,000 | 348.5% | 2.4% |
| BankFirst Financial Services | $13,660,000 | $13,205,000 | -3.3% | 2.2% |
| Hancock Whitney Bank | $12,780,000 | $12,055,000 | -5.7% | 2.0% |
| BROKER SOLUTIONS, INC. | $3,240,000 | $9,840,000 | 203.7% | 1.7% |
| GMFS LLC | $6,895,000 | $9,585,000 | 39.0% | 1.6% |
| CROSSCOUNTRY MORTGAGE, LLC | $8,080,000 | $9,230,000 | 14.2% | 1.6% |
| Citizens Bank | $3,175,000 | $8,980,000 | 182.8% | 1.5% |
| The Citizens National Bank of Meridian | $17,565,000 | $8,615,000 | -51.0% | 1.5% |
| 21ST MORTGAGE CORPORATION | $6,760,000 | $8,085,000 | 19.6% | 1.4% |
| FIRST COLONY MORTGAGE CORPORATION | $3,805,000 | $7,305,000 | 92.0% | 1.2% |
| First Bank | $1,690,000 | $6,590,000 | 289.9% | 1.1% |
| KEESLER | $7,835,000 | $6,485,000 | -17.2% | 1.1% |
| Hamilton Mortgage Corporation | $3,855,000 | $6,260,000 | 62.4% | 1.1% |
| PENNYMAC LOAN SERVICES, LLC | $2,180,000 | $5,865,000 | 169.0% | 1.0% |
| VILLAGE CAPITAL MORTGAGE | $2,245,000 | $5,750,000 | 156.1% | 1.0% |
| STOCKTON MORTGAGE CORPORATION | $5,770,000 | $5,685,000 | -1.5% | 1.0% |
| BankPlus | $2,045,000 | $5,385,000 | 163.3% | 0.9% |
| GUARANTEED RATE, INC. | $385,000 | $4,850,000 | 1,159.7% | 0.8% |
| TRIAD FINANCIAL SERVICES, INC. | $1,970,000 | $4,770,000 | 142.1% | 0.8% |
| SWBC MORTGAGE CORPORATION | $3,405,000 | $4,695,000 | 37.9% | 0.8% |
| Renasant Bank | $4,300,000 | $4,595,000 | 6.9% | 0.8% |
| NEWREZ LLC | $3,250,000 | $4,220,000 | 29.8% | 0.7% |
| DHI MORTGAGE COMPANY, LTD. | $4,110,000 | n/a | 0.7% | |
| Grand Bank for Savings, FSB | $6,900,000 | $4,100,000 | -40.6% | 0.7% |
| SUNBELT Federal Credit Union | $2,510,000 | $3,930,000 | 56.6% | 0.7% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $4,325,000 | $3,690,000 | -14.7% | 0.6% |
| Southern Bancorp Bank | $1,910,000 | $3,660,000 | 91.6% | 0.6% |
| Merchants Bank of Indiana | $105,000 | $3,420,000 | 3,157.1% | 0.6% |
| Equity Prime Mortgage LLC | $3,475,000 | $3,335,000 | -4.0% | 0.6% |
| First Southern Bank | $2,960,000 | $3,290,000 | 11.1% | 0.6% |
| Flagstar Bank, FSB | $2,090,000 | $3,020,000 | 44.5% | 0.5% |
| Arbor Realty Trust, Inc. | $28,105,000 | $2,705,000 | -90.4% | 0.5% |
| Princeton Mortgage Corporation | $2,550,000 | n/a | 0.4% | |
| JPMorgan Chase Bank | $1,010,000 | $2,385,000 | 136.1% | 0.4% |
| GUILD MORTGAGE COMPANY | $1,055,000 | $2,355,000 | 123.2% | 0.4% |
| Wells Fargo Bank | $1,630,000 | $2,320,000 | 42.3% | 0.4% |
| Great Southern Bank | $2,130,000 | $2,275,000 | 6.8% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $3,585,000 | $2,200,000 | -38.6% | 0.4% |
| USAA Federal Savings Bank | $2,600,000 | $2,090,000 | -19.6% | 0.4% |
| Peoples Bank | $3,180,000 | $2,085,000 | -34.4% | 0.4% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,640,000 | $2,065,000 | 25.9% | 0.4% |
| Barrington Bank & Trust Company, N.A. | $1,715,000 | $1,990,000 | 16.0% | 0.3% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $210,000 | $1,925,000 | 816.7% | 0.3% |
| AMERISAVE MORTGAGE CORPORATION | $1,480,000 | $1,895,000 | 28.0% | 0.3% |
| NEW DAY FINANCIAL, LLC | $1,900,000 | $1,800,000 | -5.3% | 0.3% |
| LOANDEPOT.COM, LLC | $3,565,000 | $1,675,000 | -53.0% | 0.3% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $9,070,000 | $1,600,000 | -82.4% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $540,000 | $1,580,000 | 192.6% | 0.3% |
| CMG MORTGAGE, INC. | $725,000 | $1,575,000 | 117.2% | 0.3% |
| Bank of England | $640,000 | $1,565,000 | 144.5% | 0.3% |
| TOWNE MORTGAGE COMPANY | $1,560,000 | n/a | 0.3% | |
| CSL Financial, LLC | $560,000 | $1,510,000 | 169.6% | 0.3% |
| HOPE FEDERAL CREDIT UNION | $1,460,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $1,475,000 | $1,460,000 | -1.0% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,920,000 | $1,420,000 | -26.0% | 0.2% |
| The Federal Savings Bank | $820,000 | $1,180,000 | 43.9% | 0.2% |
| FIDELITY BANK | $1,330,000 | $1,170,000 | -12.0% | 0.2% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $320,000 | $1,105,000 | 245.3% | 0.2% |
| Carrington Mortgage Services, LLC | $465,000 | $1,050,000 | 125.8% | 0.2% |
| U.S. Bank | $625,000 | $1,005,000 | 60.8% | 0.2% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $970,000 | n/a | 0.2% | |
| Ixonia Bank | $550,000 | $970,000 | 76.4% | 0.2% |
| ZILLOW HOME LOANS, LLC | $735,000 | $970,000 | 32.0% | 0.2% |
| CARDINAL FINANCIAL | $850,000 | $910,000 | 7.1% | 0.2% |
| THE NEW ORLEANS FIREMEN'S FEDERAL CREDIT UNION | $875,000 | n/a | 0.1% | |
| Synovus Bank | $335,000 | $870,000 | 159.7% | 0.1% |
| Bank of America | $2,340,000 | $865,000 | -63.0% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $520,000 | $855,000 | 64.4% | 0.1% |
| Discover Bank | $385,000 | $835,000 | 116.9% | 0.1% |
| Citizens Bank | $3,175,000 | $830,000 | -73.9% | 0.1% |
| Lakeview Community Capital, LLC | $800,000 | n/a | 0.1% | |
| Ally Bank | $375,000 | $750,000 | 100.0% | 0.1% |
| The Citizens Bank of Philadelphia, Mississippi | $10,840,000 | $730,000 | -93.3% | 0.1% |
| FIRST COMMUNITY MORTGAGE, INC. | $500,000 | $715,000 | 43.0% | 0.1% |
| DOMINION FINANCIAL SERVICES, LLC | $700,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $455,000 | $700,000 | 53.8% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $690,000 | n/a | 0.1% | |
| American Mortgage Bank, LLC | $655,000 | n/a | 0.1% | |
| MORTGAGE INVESTORS GROUP, INC. | $1,150,000 | $655,000 | -43.0% | 0.1% |
| Merchants & Planters Bank | $640,000 | n/a | 0.1% | |
| OPEN MORTGAGE, LLC | $245,000 | $625,000 | 155.1% | 0.1% |
| Magnolia Bank | $1,110,000 | $595,000 | -46.4% | 0.1% |
| Assurance Financial Group, L.L.C. | $225,000 | $560,000 | 148.9% | 0.1% |
| The Loan Store, Inc. | $550,000 | n/a | 0.1% | |
| FirstBank | $560,000 | $535,000 | -4.5% | 0.1% |
| NBKC BANK | $395,000 | $530,000 | 34.2% | 0.1% |
| Figure Lending LLC | $345,000 | $505,000 | 46.4% | 0.1% |
| M&T Bank | $125,000 | $500,000 | 300.0% | 0.1% |
| SOUTHWEST STAGE FUNDING, LLC | $1,265,000 | $500,000 | -60.5% | 0.1% |
| CHURCHILL MORTGAGE CORPORATION | $580,000 | $480,000 | -17.2% | 0.1% |
| Origin Bank | $235,000 | $425,000 | 80.9% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $1,835,000 | $425,000 | -76.8% | 0.1% |
| AMERICAN FINANCING CORPORATION | $250,000 | $405,000 | 62.0% | 0.1% |
| TEMPLE VIEW CAPITAL FUNDING, LP | $405,000 | n/a | 0.1% | |
| Ameris Bank | $385,000 | n/a | 0.1% | |
| First Federal Savings and Loan Association | $155,000 | $380,000 | 145.2% | 0.1% |
| Western Sun FCU | $375,000 | n/a | 0.1% | |
| MORTGAGE FINANCIAL SERVICES, LLC | $360,000 | n/a | 0.1% | |
| Citadel Servicing Corporation | $355,000 | n/a | 0.1% | |
| DELMAR FINANCIAL COMPANY | $350,000 | n/a | 0.1% | |
| DAS Acquisition Company, LLC | $345,000 | n/a | 0.1% | |
| Guaranty Bank and Trust Company | $360,000 | $325,000 | -9.7% | 0.1% |
| Prosperity Home Mortgage, LLC | $425,000 | $325,000 | -23.5% | 0.1% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,715,000 | $320,000 | -81.3% | 0.1% |
| MORTGAGE ACCESS CORP. | $315,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $610,000 | $315,000 | -48.4% | 0.1% |
| AMERICAN FINANCIAL RESOURCES, INC. | $350,000 | $310,000 | -11.4% | 0.1% |
| Liberty Bank and Trust Company | $305,000 | n/a | 0.1% | |
| Armed Forces Bank | $385,000 | $295,000 | -23.4% | 0.1% |
| Coastal Community Bank | $145,000 | $295,000 | 103.4% | 0.1% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $295,000 | $295,000 | 0.0% | 0.1% |
| ACOPIA, LLC | $275,000 | n/a | 0.0% | |
| Citizens Savings Bank | $275,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $250,000 | n/a | 0.0% | |
| ENCORE BANK | $245,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $290,000 | $245,000 | -15.5% | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | $245,000 | n/a | 0.0% | |
| MOVEMENT MORTGAGE, LLC | $480,000 | $245,000 | -49.0% | 0.0% |
| The Huntington National Bank | $245,000 | n/a | 0.0% | |
| UNION HOME MORTGAGE CORP. | $245,000 | n/a | 0.0% | |
| CIS Financial Services, Inc. | $1,545,000 | $240,000 | -84.5% | 0.0% |
| Citibank | $240,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $635,000 | $240,000 | -62.2% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $235,000 | n/a | 0.0% | |
| Cornerstone First Mortgage, Inc | $95,000 | $235,000 | 147.4% | 0.0% |
| South Louisiana Bank | $235,000 | n/a | 0.0% | |
| Old National Bank | $215,000 | n/a | 0.0% | |
| Sunflower Bank | $215,000 | n/a | 0.0% | |
| Citizens Bank & Trust Co | $275,000 | $205,000 | -25.5% | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | $205,000 | n/a | 0.0% | |
| AMERITRUST MORTGAGE CORPORATION | $195,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $425,000 | $195,000 | -54.1% | 0.0% |
| Axos Bank | $185,000 | n/a | 0.0% | |
| PNC Bank | $165,000 | $185,000 | 12.1% | 0.0% |
| South State Bank | $125,000 | $185,000 | 48.0% | 0.0% |
| Waterstone Mortgage Corporation | $185,000 | n/a | 0.0% | |
| Century Mortgage Company DBA Century Lending Company | $265,000 | $175,000 | -34.0% | 0.0% |
| GENEVA FINANCIAL, LLC | $175,000 | n/a | 0.0% | |
| Tyndall Federal Credit Union | $155,000 | $175,000 | 12.9% | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $165,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $875,000 | $160,000 | -81.7% | 0.0% |
| CANOPY MORTGAGE, LLC | $155,000 | n/a | 0.0% | |
| EMM LOANS LLC | $165,000 | $155,000 | -6.1% | 0.0% |
| GENISYS | $155,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $155,000 | n/a | 0.0% | |
| Bank OZK | $145,000 | n/a | 0.0% | |
| First South Farm Credit, ACA | $165,000 | $145,000 | -12.1% | 0.0% |
| PARTNER COLORADO | $135,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $390,000 | $130,000 | -66.7% | 0.0% |
| Residential Acceptance Corporation | $125,000 | n/a | 0.0% | |
| A&D Mortgage LLC | $115,000 | n/a | 0.0% | |
| Nations Lending Corporation | $115,000 | n/a | 0.0% | |
| LAND HOME FINANCIAL SERVICES, INC. | $105,000 | n/a | 0.0% | |
| RiverHills Bank | $105,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $95,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $115,000 | $95,000 | -17.4% | 0.0% |
| Traditions Bank | $85,000 | n/a | 0.0% | |
| PHH Mortgage Corporation | $125,000 | $75,000 | -40.0% | 0.0% |
| The Peoples Bank, Biloxi, Mississippi | $75,000 | $75,000 | 0.0% | 0.0% |
| First National Bank of Picayune | $735,000 | $65,000 | -91.2% | 0.0% |
| APCO EMPLOYEES | $45,000 | n/a | 0.0% | |
| THRIVENT Federal Credit Union | $45,000 | n/a | 0.0% | |
| NAVIGATOR CU | $130,000 | $35,000 | -73.1% | 0.0% |
HATTIESBURG's top lender by overall market share is Trustmark National Bank, with 8.9% market share. In second place, with 5.6%, is Community Bank of Mississippi, having originated $32,725,000 in loans. In third place, with 5.2%, is The First, A National Banking Association, having originated $30,675,000 in loans. In fourth place, with 4.9%, is BancorpSouth, having originated $28,765,000 in loans. In fifth place, with 4.4%, is QUICKEN LOANS, LLC, having originated $26,025,000 in loans.
HATTIESBURG, MS Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,751 | $392,105,000 | $223,932 |
| Refi | 638 | $117,180,000 | $183,668 |
| Other | 321 | $26,715,000 | $83,224 |
| Cash Out Refi | 242 | $39,280,000 | $162,314 |
| Home Improvement | 182 | $13,760,000 | $75,604 |
Hattiesburg's most frequently cited loan purpose was Home Purchase, with 1,751 originations. The 2nd most popular reason was Refi, with 638 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,045 | $260,325,000 | $249,115 |
| Over 8% | 908 | $95,070,000 | $104,703 |
| 7-8% | 445 | $97,155,000 | $218,326 |
| 5-6% | 348 | $82,040,000 | $235,747 |
| <2.5% | 102 | $2,550,000 | $25,000 |
| 4-5% | 59 | $11,595,000 | $196,525 |
| 3-4% | 6 | $900,000 | $150,000 |
| 2.5-3% | 4 | $730,000 | $182,500 |
During 2024, Hattiesburg's most frequently originated rate bucket was 6-7%, with 1,045 originations.
Loan Sizing (HATTIESBURG, MS MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 1,059 | $55,605,000 | $52,507 |
| $100k-200k | 960 | $142,240,000 | $148,167 |
| $200k-400k | 930 | $255,430,000 | $274,656 |
| $400k-600k | 122 | $57,430,000 | $470,738 |
| $600k-1000k | 45 | $32,665,000 | $725,889 |
| $Over $1MM | 18 | $45,670,000 | $2,537,222 |
HATTIESBURG's loan sizing saw the bucket of loans from $100,000 or less with 1,059 originations, totaling $55,605,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,254 | $297,040,000 | $236,874 |
| 60-80% | 495 | $108,055,000 | $218,293 |
| Under 20% | 406 | $14,990,000 | $36,921 |
| 20-40% | 361 | $32,225,000 | $89,266 |
| 40-60% | 246 | $59,080,000 | $240,163 |
| Over 100% | 78 | $20,690,000 | $265,256 |
HATTIESBURG's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,254 originations, totaling $297,040,000 in origination value.