Laurel Mortgage Rates & Closing Costs

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

    30 Year Fixed Rate mortgages in Laurel averaged 6.93% for the week of 2025-04-10, compared to the national average of 6.62% for the same period.

    The average rate for the prior week (2025-04-03) was 6.55% and one month ago for the week of 2025-03-06, the average rate was 6.74%.

    Laurel's average rate one year ago was 6.83%.

    For refis of the same type during the week of 2025-04-10, the average rate was 6.82%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-10 6.62%
    Laurel 30 Year Fixed Rate 2025-04-10 6.93%
    Laurel 30 Year Fixed Rate Refi 2025-04-10 6.82%
    Laurel 15 Year Fixed Rate 2025-04-10 5.62%
    Laurel 15 Year Fixed Rate Refi 2025-04-10 5.72%
    Laurel 30 Year FHA 2025-04-10 6.29%
    Laurel 30 Year FHA Refi 2025-04-10 6.53%
    Laurel 30 Year USDA 2025-04-10 6.35%
    Laurel 30 Year USDA Refi 2025-04-10 6.35%
    Laurel 30 Year VA 2025-04-10 6.29%
    Laurel 30 Year VA Refi 2025-04-10 6.49%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Laurel, MS.

    Laurel 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 Laurel, 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
    Community Bank of Mississippi 32 7.03% $3,960
    Trustmark National Bank 17 6.73% $4,063
    QUICKEN LOANS, LLC 16 6.83% $6,431
    BancorpSouth 9 6.72% $5,052
    HOPE FEDERAL CREDIT UNION 9 6.75% $4,607
    GMFS LLC 6 7.08% $3,827
    Hamilton Mortgage Corporation 5 6.78% $4,832
    The Citizens National Bank of Meridian 5 6.69% $2,572
    MORTGAGE INVESTORS GROUP, INC. 5 6.78% $4,113
    Regions Bank 5 6.88% $5,052
    LOANDEPOT.COM, LLC 4 6.27% $8,037
    SUNBELT Federal Credit Union 3 4.99% $4,311
    Princeton Mortgage Corporation 3 7.12% $5,570
    STOCKTON MORTGAGE CORPORATION 3 4.79% $8,936
    UNITED WHOLESALE MORTGAGE, LLC 3 7.37% $5,846
    BROKER SOLUTIONS, INC. 3 7.38% $10,769
    Wells Fargo Bank 3 7.00% $6,282
    JPMorgan Chase Bank 3 7.00% $4,559
    Merchants & Marine Bank 2 7.13% $3,079
    KEESLER 2 6.88% $4,092
    Gulf Coast Bank and Trust Company 2 6.00% $10,282
    MUTUAL OF OMAHA MORTGAGE, INC. 2 6.31% $7,507
    FIRST COLONY MORTGAGE CORPORATION 2 7.18% $5,900
    AMERISAVE MORTGAGE CORPORATION 2 7.50% $11,276
    FREEDOM MORTGAGE CORPORATION 2 6.93% $11,197
    21ST MORTGAGE CORPORATION 2 8.72% $6,279
    USAA Federal Savings Bank 2 6.75% $5,277
    Mr. Cooper ( Nationstar Mortgage ) 1 5.99% $8,980
    American Mortgage Bank, LLC 1 6.38% $6,266
    Bank of America 1 6.25% $3,460
    Barrington Bank & Trust Company, N.A. 1 7.13% $2,890
    BAYSHORE MORTGAGE FUNDING, LLC 1 7.25% $3,871
    Bell Bank 1 6.88% $8,339
    CARDINAL FINANCIAL 1 7.88% $7,819
    Carrollton Bank 1 6.88% $3,499
    DUPACO COMMUNITY 1 6.13% $8,290
    First South Farm Credit, ACA 1 8.35% $11,425
    Flagstar Bank, FSB 1 7.44% $6,098
    GUARANTEED RATE, INC. 1 7.38% $4,984
    GUILD MORTGAGE COMPANY 1 6.29% $6,701
    Hancock Whitney Bank 1 8.13% $3,931
    Magnolia Bank 1 6.13% $4,416
    NEWREZ LLC 1 8.13% $8,077
    Northpointe Bank 1 6.63% $3,437
    RELIANCE FIRST CAPITAL, LLC 1 6.50% $9,132
    Renasant Bank 1 5.88% $4,530
    U.S. Bank 1 6.88% $3,833
    ZILLOW HOME LOANS, LLC 1 6.13% $5,948

    Laurel Average Closing Costs & Other Stats

    Laurel, MS's 48 lenders originated 1,293 loans during 2024. The total origination value was $169,145,000, with an average loan value of $130,816.

    Laurel's average closing costs are $4,935.

    The top Laurel lender as defined by loan originations is Community Bank of Mississippi, with 32 loans originated. Their average total fees are $3,960, which is $103 lower than the next largest lender, Trustmark National Bank.

    The lowest fee Laurel lenders (with over 10 loans originated) are Community Bank of Mississippi ($3,960), Trustmark National Bank ($4,063), QUICKEN LOANS, LLC ($6,431), .

    The lowest rate Laurel lenders (with over 10 loans originated) are Trustmark National Bank (6.73%), QUICKEN LOANS, LLC (6.83%), Community Bank of Mississippi (7.03%), .

    Laurel, 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
    Community Bank of Mississippi $42,740,000 $49,215,000 15.1% 29.1%
    Trustmark National Bank $10,185,000 $12,210,000 19.9% 7.2%
    BancorpSouth $7,075,000 $9,635,000 36.2% 5.7%
    21ST MORTGAGE CORPORATION $6,735,000 $6,865,000 1.9% 4.1%
    QUICKEN LOANS, LLC $6,690,000 $6,520,000 -2.5% 3.9%
    Magnolia State Bank $3,445,000 $5,050,000 46.6% 3.0%
    The First, A National Banking Association $4,615,000 $4,680,000 1.4% 2.8%
    Regions Bank $9,675,000 $3,990,000 -58.8% 2.4%
    TRIAD FINANCIAL SERVICES, INC. $3,560,000 $3,455,000 -2.9% 2.0%
    Mortgage Research Center, LLC $3,115,000 $3,180,000 2.1% 1.9%
    GMFS LLC $730,000 $3,090,000 323.3% 1.8%
    PriorityOne Bank $1,150,000 $2,920,000 153.9% 1.7%
    STOCKTON MORTGAGE CORPORATION $1,850,000 $2,505,000 35.4% 1.5%
    UNITED WHOLESALE MORTGAGE, LLC $1,945,000 $2,430,000 24.9% 1.4%
    HOPE FEDERAL CREDIT UNION $2,380,000 n/a 1.4%
    BROKER SOLUTIONS, INC. $555,000 $2,260,000 307.2% 1.3%
    Citizens Bank $2,850,000 $2,120,000 -25.6% 1.3%
    The Citizens National Bank of Meridian $1,785,000 $2,065,000 15.7% 1.2%
    SUNBELT Federal Credit Union $2,725,000 $2,020,000 -25.9% 1.2%
    Hamilton Mortgage Corporation $1,230,000 $1,755,000 42.7% 1.0%
    Equity Prime Mortgage LLC $805,000 $1,600,000 98.8% 0.9%
    FREEDOM MORTGAGE CORPORATION $270,000 $1,590,000 488.9% 0.9%
    MORTGAGE INVESTORS GROUP, INC. $1,030,000 $1,505,000 46.1% 0.9%
    USAA Federal Savings Bank $510,000 $1,480,000 190.2% 0.9%
    Princeton Mortgage Corporation $105,000 $1,455,000 1,285.7% 0.9%
    KEESLER $895,000 $1,430,000 59.8% 0.8%
    FIRST COLONY MORTGAGE CORPORATION $290,000 $1,375,000 374.1% 0.8%
    NEWREZ LLC $450,000 $1,290,000 186.7% 0.8%
    BankFirst Financial Services $1,280,000 $1,180,000 -7.8% 0.7%
    NAVY FEDERAL CREDIT UNION $960,000 $1,140,000 18.8% 0.7%
    First South Farm Credit, ACA $1,005,000 n/a 0.6%
    GUARANTEED RATE, INC. $975,000 n/a 0.6%
    LOANDEPOT.COM, LLC $990,000 $945,000 -4.5% 0.6%
    Flagstar Bank, FSB $485,000 $910,000 87.6% 0.5%
    GUILD MORTGAGE COMPANY $155,000 $910,000 487.1% 0.5%
    PENNYMAC LOAN SERVICES, LLC $340,000 $905,000 166.2% 0.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,470,000 $860,000 -41.5% 0.5%
    Merchants & Planters Bank $625,000 $765,000 22.4% 0.5%
    MUTUAL OF OMAHA MORTGAGE, INC. $120,000 $750,000 525.0% 0.4%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $725,000 n/a 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $1,545,000 $690,000 -55.3% 0.4%
    PLANET HOME LENDING, LLC $655,000 n/a 0.4%
    Gulf Coast Bank and Trust Company $145,000 $600,000 313.8% 0.4%
    CSL Financial, LLC $750,000 $590,000 -21.3% 0.3%
    SOUTHWEST STAGE FUNDING, LLC $700,000 $585,000 -16.4% 0.3%
    JPMorgan Chase Bank $570,000 $580,000 1.8% 0.3%
    Hancock Whitney Bank $430,000 $560,000 30.2% 0.3%
    Carrington Mortgage Services, LLC $195,000 $535,000 174.4% 0.3%
    AMERISAVE MORTGAGE CORPORATION $330,000 $500,000 51.5% 0.3%
    GUARANTEED RATE AFFINITY, LLC $485,000 n/a 0.3%
    CARDINAL FINANCIAL $470,000 n/a 0.3%
    First Southern Bank $410,000 $460,000 12.2% 0.3%
    Great Southern Bank $1,080,000 $460,000 -57.4% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $570,000 $455,000 -20.2% 0.3%
    Merchants & Marine Bank $1,705,000 $425,000 -75.1% 0.3%
    Wells Fargo Bank $435,000 $405,000 -6.9% 0.2%
    First Commercial Bank $375,000 n/a 0.2%
    SWBC MORTGAGE CORPORATION $375,000 n/a 0.2%
    Bell Bank $335,000 n/a 0.2%
    DUPACO COMMUNITY $335,000 n/a 0.2%
    Renasant Bank $305,000 $335,000 9.8% 0.2%
    RELIANCE FIRST CAPITAL, LLC $520,000 $330,000 -36.5% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $275,000 n/a 0.2%
    BankPlus $445,000 $255,000 -42.7% 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,695,000 $255,000 -90.5% 0.2%
    AmeriHome Mortgage Company, LLC $245,000 n/a 0.1%
    Stride Bank $245,000 n/a 0.1%
    CALCON MUTUAL MORTGAGE LLC $225,000 n/a 0.1%
    CMG MORTGAGE, INC. $225,000 n/a 0.1%
    FirstBank $360,000 $225,000 -37.5% 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $280,000 $220,000 -21.4% 0.1%
    Bank of America $420,000 $215,000 -48.8% 0.1%
    FIDELITY BANK $215,000 n/a 0.1%
    Magnolia Bank $215,000 n/a 0.1%
    Mid-Continent Funding, Inc. $205,000 $205,000 0.0% 0.1%
    Residential Acceptance Corporation $205,000 n/a 0.1%
    American Mortgage Bank, LLC $195,000 n/a 0.1%
    Peoples Bank $380,000 $195,000 -48.7% 0.1%
    Grand Bank for Savings, FSB $145,000 $185,000 27.6% 0.1%
    LEADERONE FINANCIAL CORPORATION $185,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $180,000 n/a 0.1%
    Carrollton Bank $175,000 n/a 0.1%
    First Federal Bank, A FSB $175,000 n/a 0.1%
    VILLAGE CAPITAL MORTGAGE $155,000 $175,000 12.9% 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $75,000 $170,000 126.7% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $165,000 n/a 0.1%
    Paramount Residential Mortgage Group, Inc. $205,000 $165,000 -19.5% 0.1%
    AMERICAN HERITAGE LENDING, INC. $145,000 n/a 0.1%
    CANOPY MORTGAGE, LLC $145,000 n/a 0.1%
    PLAZA HOME MORTGAGE, INC. $925,000 $145,000 -84.3% 0.1%
    Southern Bancorp Bank $145,000 n/a 0.1%
    Coastal Community Bank $160,000 $125,000 -21.9% 0.1%
    Figure Lending LLC $235,000 $125,000 -46.8% 0.1%
    ROYAL UNITED MORTGAGE LLC $300,000 $120,000 -60.0% 0.1%
    CHURCHILL MORTGAGE CORPORATION $165,000 $115,000 -30.3% 0.1%
    LIMA ONE CAPITAL, LLC $115,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $290,000 $115,000 -60.3% 0.1%
    LAND HOME FINANCIAL SERVICES, INC. $95,000 n/a 0.1%
    COUNTRYPLACE MORTGAGE, LTD. $145,000 $85,000 -41.4% 0.1%
    U.S. Bank $80,000 n/a 0.0%
    Barrington Bank & Trust Company, N.A. $195,000 $75,000 -61.5% 0.0%
    APCO EMPLOYEES $55,000 n/a 0.0%
    BAYSHORE MORTGAGE FUNDING, LLC $55,000 n/a 0.0%
    CIS Financial Services, Inc. $1,085,000 $55,000 -94.9% 0.0%
    Northpointe Bank $55,000 n/a 0.0%
    Discover Bank $55,000 $35,000 -36.4% 0.0%

    Laurel's top lender by overall market share is Community Bank of Mississippi, with 29.1% market share. In second place, with 7.2%, is Trustmark National Bank, having originated $12,210,000 in loans. In third place, with 5.7%, is BancorpSouth, having originated $9,635,000 in loans. In fourth place, with 4.1%, is 21ST MORTGAGE CORPORATION, having originated $6,865,000 in loans. In fifth place, with 3.9%, is QUICKEN LOANS, LLC, having originated $6,520,000 in loans.

    Laurel Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Laurel (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 $139,725 (8.0%) $166,563 (6.2%) 0.00 263
    2018-02-01 $139,500 (9.2%) $166,520 (8.6%) 0.00 265
    2018-03-01 $135,000 (5.5%) $162,225 (5.4%) 0.00 255
    2018-04-01 $137,000 (5.5%) $163,128 (5.5%) 0.00 262
    2018-05-01 $134,875 (6.2%) $164,840 (6.7%) 0.00 260
    2018-06-01 $135,000 (-3.1%) $168,247 (4.0%) 0.00 255
    2018-07-01 $136,625 (-1.7%) $174,408 (7.0%) 0.00 259
    2018-08-01 $131,200 (-1.6%) $176,911 (8.5%) 0.00 249
    2018-09-01 $143,700 (2.7%) $183,091 (6.7%) 0.00 252
    2018-10-01 $146,600 (5.8%) $182,201 (5.7%) 0.00 257
    2018-11-01 $144,900 (3.9%) $182,280 (9.1%) 0.00 242
    2018-12-01 $140,000 (0.4%) $179,245 (7.8%) 0.00 223
    2019-01-01 $139,950 (0.2%) $175,532 (5.4%) 0.00 223
    2019-02-01 $141,875 (1.7%) $179,699 (7.9%) 0.00 221
    2019-03-01 $151,386 (12.1%) $188,279 (16.1%) 0.00 214
    2019-04-01 $158,511 (15.7%) $196,271 (20.3%) 0.00 206
    2019-05-01 $145,450 (7.8%) $188,794 (14.5%) 0.00 205
    2019-06-01 $159,000 (17.8%) $197,668 (17.5%) 0.00 202
    2019-07-01 $160,625 (17.6%) $208,917 (19.8%) 0.00 198
    2019-08-01 $153,705 (17.2%) $207,269 (17.2%) 0.00 193
    2019-09-01 $151,761 (5.6%) $205,854 (12.4%) 0.00 187
    2019-10-01 $150,466 (2.6%) $205,022 (12.5%) 0.00 182
    2019-11-01 $164,500 (13.5%) $214,022 (17.4%) 0.00 173
    2019-12-01 $161,000 (15.0%) $221,402 (23.5%) 0.00 167
    2020-01-01 $156,750 (12.0%) $207,236 (18.1%) 0.00 157
    2020-02-01 $162,000 (14.2%) $218,543 (21.6%) 0.00 148
    2020-03-01 $161,500 (6.7%) $216,574 (15.0%) 0.00 139
    2020-04-01 $156,450 (-1.3%) $210,192 (7.1%) 0.00 144
    2020-05-01 $164,000 (12.8%) $222,469 (17.8%) 0.00 131
    2020-06-01 $156,250 (-1.7%) $220,528 (11.6%) 0.00 120
    2020-07-01 $149,600 (-6.9%) $218,337 (4.5%) 0.00 114
    2020-08-01 $159,500 (3.8%) $228,165 (10.1%) 0.00 104
    2020-09-01 $168,375 (11.0%) $243,808 (18.4%) 0.00 92
    2020-10-01 $191,000 (26.9%) $241,166 (17.6%) 0.00 82
    2020-11-01 $176,350 (7.2%) $230,918 (7.9%) 0.00 78
    2020-12-01 $189,250 (17.6%) $243,154 (9.8%) 0.00 91
    2021-01-01 $161,000 (2.7%) $251,194 (21.2%) 0.00 87
    2021-02-01 $192,000 (18.5%) $256,413 (17.3%) 0.00 82
    2021-03-01 $161,013 (-0.3%) $236,700 (9.3%) 0.00 68
    2021-04-01 $183,475 (17.3%) $238,007 (13.2%) 0.00 57
    2021-05-01 $164,500 (0.3%) $233,428 (4.9%) 0.00 49
    2021-06-01 $175,925 (12.6%) $218,972 (-0.7%) 0.00 52
    2021-07-01 $174,950 (17.0%) $222,169 (1.8%) 0.00 70
    2021-08-01 $184,925 (15.9%) $220,709 (-3.3%) 0.00 74
    2021-09-01 $189,800 (12.7%) $221,076 (-9.3%) 0.00 73
    2021-10-01 $184,900 (-3.2%) $214,509 (-11.1%) 0.00 65
    2021-11-01 $199,600 (13.2%) $228,088 (-1.2%) 0.00 91
    2021-12-01 $201,438 (6.4%) $227,224 (-6.6%) 0.00 85
    2022-01-01 $206,925 (28.5%) $229,568 (-8.6%) 0.00 76
    2022-02-01 $185,125 (-3.6%) $240,106 (-6.4%) 0.00 61
    2022-03-01 $190,875 (18.6%) $240,976 (1.8%) 0.00 59
    2022-04-01 $175,000 (-4.6%) $240,370 (1.0%) 0.00 72
    2022-05-01 $208,500 (26.8%) $266,031 (14.0%) 0.00 93
    2022-06-01 $239,025 (35.9%) $297,078 (35.7%) 0.00 103
    2022-07-01 $239,450 (36.9%) $294,144 (32.4%) 0.00 109
    2022-08-01 $252,250 (36.4%) $315,897 (43.1%) 0.00 103
    2022-09-01 $236,025 (24.4%) $314,001 (42.0%) 0.00 109
    2022-10-01 $207,000 (12.0%) $304,003 (41.7%) 0.00 109
    2022-11-01 $202,350 (1.4%) $275,421 (20.8%) 0.00 113
    2022-12-01 $184,900 (-8.2%) $273,220 (20.2%) 0.00 117
    2023-01-01 $179,975 (-13.0%) $260,127 (13.3%) 0.00 112
    2023-02-01 $179,700 (-2.9%) $248,246 (3.4%) 0.00 98
    2023-03-01 $169,900 (-11.0%) $244,316 (1.4%) 0.00 88
    2023-04-01 $182,000 (4.0%) $262,925 (9.4%) 0.00 97
    2023-05-01 $194,750 (-6.6%) $261,788 (-1.6%) 0.00 103
    2023-06-01 $197,000 (-17.6%) $263,637 (-11.3%) 0.00 99
    2023-07-01 $220,000 (-8.1%) $271,231 (-7.8%) 0.00 112
    2023-08-01 $214,250 (-15.1%) $267,143 (-15.4%) 0.00 129
    2023-09-01 $220,000 (-6.8%) $275,220 (-12.4%) 0.00 131
    2023-10-01 $220,000 (6.3%) $266,962 (-12.2%) 0.00 150
    2023-11-01 $226,000 (11.7%) $267,286 (-3.0%) 0.00 152
    2023-12-01 $225,000 (21.7%) $267,744 (-2.0%) 0.00 148
    2024-01-01 $226,000 (25.6%) $269,910 (3.8%) 0.00 145
    2024-02-01 $229,000 (27.4%) $284,248 (14.5%) 0.00 151
    2024-03-01 $239,000 (40.7%) $292,979 (19.9%) 0.00 146
    2024-04-01 $228,250 (25.4%) $282,179 (7.3%) 0.00 154
    2024-05-01 $221,250 (13.6%) $291,644 (11.4%) 0.00 138
    2024-06-01 $242,450 (23.1%) $294,513 (11.7%) 0.00 139
    2024-07-01 $241,725 (9.9%) $291,665 (7.5%) 0.00 138
    2024-08-01 $235,000 (9.7%) $287,636 (7.7%) 0.00 133
    2024-09-01 $247,000 (12.3%) $287,247 (4.4%) 0.00 139
    2024-10-01 $245,950 (11.8%) $285,130 (6.8%) 0.00 150
    2024-11-01 $239,950 (6.2%) $279,659 (4.6%) 0.00 150
    2024-12-01 $232,500 (3.3%) $278,727 (4.1%) 0.00 129
    2025-01-01 $247,625 (9.6%) $306,260 (13.5%) 0.00 120
    2025-02-01 $238,450 (4.1%) $298,834 (5.1%) 0.00 129
    2025-03-01 $234,950 (-1.7%) $295,038 (0.7%) 0.00 145
    Laurel's median listing price for 2025-03-01 was $234,950, a difference of $-4,050 (-1.7%) versus the prior year and $-3,500 versus the prior month.

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

    Laurel's average listing price for 2025-03-01 was $295,038, a difference of $2,059 (0.7%) versus the prior year and $-3,796 versus the prior month.

    For the 2025-03-01 period, Laurel had 145 MLS listings, a difference of 16 listings (12%) versus the prior month and -1 listings (-1%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Laurel (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,811 sqft
    2018-02-01 0 days 1,860 sqft
    2018-03-01 0 days 1,869 sqft
    2018-04-01 0 days 1,905 sqft
    2018-05-01 0 days 1,917 sqft
    2018-06-01 0 days 1,960 sqft
    2018-07-01 0 days 1,932 sqft
    2018-08-01 0 days 1,956 sqft
    2018-09-01 0 days 1,973 sqft
    2018-10-01 0 days 1,999 sqft
    2018-11-01 0 days 1,981 sqft
    2018-12-01 0 days 1,979 sqft
    2019-01-01 0 days 1,978 sqft
    2019-02-01 0 days 1,937 sqft
    2019-03-01 0 days 1,967 sqft
    2019-04-01 0 days 1,983 sqft
    2019-05-01 0 days 1,944 sqft
    2019-06-01 0 days 1,980 sqft
    2019-07-01 0 days 2,006 sqft
    2019-08-01 0 days 2,014 sqft
    2019-09-01 0 days 2,006 sqft
    2019-10-01 0 days 2,009 sqft
    2019-11-01 0 days 2,018 sqft
    2019-12-01 0 days 2,026 sqft
    2020-01-01 0 days 1,932 sqft
    2020-02-01 0 days 2,000 sqft
    2020-03-01 0 days 2,163 sqft
    2020-04-01 0 days 2,073 sqft
    2020-05-01 0 days 2,000 sqft
    2020-06-01 0 days 1,993 sqft
    2020-07-01 0 days 1,927 sqft
    2020-08-01 0 days 1,957 sqft
    2020-09-01 0 days 2,012 sqft
    2020-10-01 0 days 2,064 sqft
    2020-11-01 0 days 2,079 sqft
    2020-12-01 0 days 2,112 sqft
    2021-01-01 0 days 2,025 sqft
    2021-02-01 0 days 2,012 sqft
    2021-03-01 0 days 1,879 sqft
    2021-04-01 0 days 1,875 sqft
    2021-05-01 0 days 1,770 sqft
    2021-06-01 0 days 1,904 sqft
    2021-07-01 0 days 1,944 sqft
    2021-08-01 0 days 1,948 sqft
    2021-09-01 0 days 2,068 sqft
    2021-10-01 0 days 1,964 sqft
    2021-11-01 0 days 1,973 sqft
    2021-12-01 0 days 1,942 sqft
    2022-01-01 0 days 1,921 sqft
    2022-02-01 0 days 1,882 sqft
    2022-03-01 0 days 1,860 sqft
    2022-04-01 0 days 1,811 sqft
    2022-05-01 0 days 1,827 sqft
    2022-06-01 0 days 1,900 sqft
    2022-07-01 0 days 1,907 sqft
    2022-08-01 0 days 2,038 sqft
    2022-09-01 0 days 2,030 sqft
    2022-10-01 0 days 2,028 sqft
    2022-11-01 0 days 1,938 sqft
    2022-12-01 0 days 1,925 sqft
    2023-01-01 0 days 1,892 sqft
    2023-02-01 0 days 1,929 sqft
    2023-03-01 0 days 1,921 sqft
    2023-04-01 0 days 1,947 sqft
    2023-05-01 0 days 1,862 sqft
    2023-06-01 0 days 1,806 sqft
    2023-07-01 0 days 1,906 sqft
    2023-08-01 0 days 1,900 sqft
    2023-09-01 0 days 1,913 sqft
    2023-10-01 0 days 1,879 sqft
    2023-11-01 0 days 1,888 sqft
    2023-12-01 0 days 1,874 sqft
    2024-01-01 0 days 1,873 sqft
    2024-02-01 0 days 1,885 sqft
    2024-03-01 0 days 1,991 sqft
    2024-04-01 0 days 1,957 sqft
    2024-05-01 0 days 1,924 sqft
    2024-06-01 0 days 2,017 sqft
    2024-07-01 0 days 1,992 sqft
    2024-08-01 0 days 2,000 sqft
    2024-09-01 0 days 2,032 sqft
    2024-10-01 0 days 1,979 sqft
    2024-11-01 0 days 1,973 sqft
    2024-12-01 0 days 1,908 sqft
    2025-01-01 0 days 1,944 sqft
    2025-02-01 0 days 1,904 sqft
    2025-03-01 0 days 1,852 sqft
    Laurel's median listing age (time on market) for 2025-03-01 was 0 days.

    Laurel's median square footage for active listings during the 2025-03-01 period was 1,852 sqft. One year prior, the average listing was 1,991 sqft.

    Laurel, MS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 614 $99,730,000 $162,427
    Refi 372 $38,640,000 $103,871
    Other 166 $15,490,000 $93,313
    Cash Out Refi 88 $12,040,000 $136,818
    Home Improvement 53 $3,245,000 $61,226

    Laurel's most frequently cited loan purpose was Home Purchase, with 614 originations. The 2nd most popular reason was Refi, with 372 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    Over 8% 567 $53,975,000 $95,194
    6-7% 315 $56,145,000 $178,238
    7-8% 189 $29,295,000 $155,000
    5-6% 107 $20,035,000 $187,243
    <2.5% 37 $1,305,000 $35,270
    4-5% 10 $1,080,000 $108,000

    During 2024, Laurel's most frequently originated rate bucket was Over 8%, with 567 originations.

    Loan Sizing (Laurel, MS MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 626 $32,020,000 $51,150
    $100k-200k 405 $57,335,000 $141,568
    $200k-400k 226 $60,340,000 $266,991
    $400k-600k 25 $11,305,000 $452,200
    $600k-1000k 10 $7,140,000 $714,000
    $Over $1MM 1 $1,005,000 $1,005,000

    Laurel's loan sizing saw the bucket of loans from $100,000 or less with 626 originations, totaling $32,020,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 460 $80,160,000 $174,261
    60-80% 249 $39,945,000 $160,422
    20-40% 168 $11,340,000 $67,500
    Under 20% 166 $5,290,000 $31,867
    40-60% 141 $18,045,000 $127,979
    Over 100% 14 $2,750,000 $196,429

    Laurel's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 460 originations, totaling $80,160,000 in origination value.