McComb Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Mccomb averaged 7.27% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

The average rate for the prior week (2024-04-11) was 7.05% and one month ago for the week of 2024-03-14, the average rate was 6.81%.

Mccomb's average rate one year ago was 6.44%.

For refis of the same type during the week of 2024-04-18, the average rate was 7.3%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-04-18 7.1%
Mccomb 30 Year Fixed Rate 2024-04-18 7.27%
Mccomb 30 Year Fixed Rate Refi 2024-04-18 7.3%
Mccomb 15 Year Fixed Rate 2024-04-18 6.29%
Mccomb 15 Year Fixed Rate Refi 2024-04-18 6.69%
Mccomb 30 Year FHA 2024-04-18 6.86%
Mccomb 30 Year FHA Refi 2024-04-18 6.66%
Mccomb 30 Year USDA 2024-04-18 6.96%
Mccomb 30 Year USDA Refi 2024-04-18 6.66%
Mccomb 30 Year VA 2024-04-18 6.96%
Mccomb 30 Year VA Refi 2024-04-18 6.86%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within McComb, MS.

McComb 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 McComb, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
FIDELITY BANK 26 6.82% $5,228
QUICKEN LOANS, LLC 7 6.68% $7,101
Trustmark National Bank 6 6.56% $5,212
Renasant Bank 5 7.23% $4,190
GMFS LLC 5 7.22% $4,660
MORTGAGE INVESTORS GROUP, INC. 3 4.79% $3,520
CROSSCOUNTRY MORTGAGE, LLC 3 7.04% $8,105
STOCKTON MORTGAGE CORPORATION 2 6.94% $5,431
Mortgage Research Center, LLC 2 7.25% $2,477
Hancock Whitney Bank 2 6.81% $4,258
UNITED WHOLESALE MORTGAGE, LLC 2 7.63% $5,628
NAVY FEDERAL CREDIT UNION 2 7.19% $2,679
Regions Bank 2 6.88% $4,535
ZILLOW HOME LOANS, LLC 1 8.25% $3,083
BankPlus 1 7.50% $3,273
CHURCHILL MORTGAGE CORPORATION 1 6.50% $3,661
Discover Bank 1 7.74% $0
FIRST COLONY MORTGAGE CORPORATION 1 5.88% $6,276
FIRST COMMUNITY MORTGAGE, INC. 1 7.63% $5,475
Home Bank 1 6.38% $3,725
LOANDEPOT.COM, LLC 1 6.13% $3,827
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.88% $7,137
NBKC BANK 1 6.75% $4,057
SWBC MORTGAGE CORPORATION 1 6.75% $4,873
Wells Fargo Bank 1 5.88% $11,050
AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.50% $5,956

McComb Average Closing Costs & Other Stats

McComb, MS's 26 lenders originated 421 loans during 2023. The total origination value was $60,715,000, with an average loan value of $144,216.

McComb's average closing costs are $5,201.

The top McComb lender as defined by loan originations is FIDELITY BANK, with 26 loans originated. Their average total fees are $5,228, which is $1,872 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee McComb lenders (with over 10 loans originated) are FIDELITY BANK ($5,228), .

The lowest rate McComb lenders (with over 10 loans originated) are FIDELITY BANK (6.82%), .

McComb, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
FIDELITY BANK $12,115,000 $9,620,000 -20.6% 15.8%
Trustmark National Bank $6,865,000 $6,815,000 -0.7% 11.2%
QUICKEN LOANS, LLC $4,325,000 $4,675,000 8.1% 7.7%
First Bank $4,255,000 $4,510,000 6.0% 7.4%
Community Bank of Mississippi $1,350,000 $3,420,000 153.3% 5.6%
Regions Bank $3,080,000 $3,185,000 3.4% 5.2%
Mortgage Research Center, LLC $1,565,000 $1,955,000 24.9% 3.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,050,000 $1,895,000 -7.6% 3.1%
GMFS LLC $3,180,000 $1,675,000 -47.3% 2.8%
MORTGAGE INVESTORS GROUP, INC. $1,505,000 n/a 2.5%
Citizens Bank $1,630,000 $1,405,000 -13.8% 2.3%
The Citizens National Bank of Meridian $1,370,000 n/a 2.3%
CROSSCOUNTRY MORTGAGE, LLC $1,115,000 n/a 1.8%
UNITED WHOLESALE MORTGAGE, LLC $2,115,000 $1,085,000 -48.7% 1.8%
21ST MORTGAGE CORPORATION $1,205,000 $1,065,000 -11.6% 1.8%
Renasant Bank $1,370,000 $940,000 -31.4% 1.5%
BankPlus $1,265,000 $685,000 -45.8% 1.1%
NAVY FEDERAL CREDIT UNION $135,000 $610,000 351.9% 1.0%
EUSTIS AND AMERICAN MORTGAGE COMPANY $195,000 $590,000 202.6% 1.0%
Secured Investment Corp. $305,000 $525,000 72.1% 0.9%
Gulf Coast Bank and Trust Company $165,000 $495,000 200.0% 0.8%
CHURCHILL MORTGAGE CORPORATION $470,000 n/a 0.8%
Wells Fargo Bank $1,075,000 $455,000 -57.7% 0.7%
MUTUAL OF OMAHA MORTGAGE, INC. $405,000 n/a 0.7%
KEESLER $400,000 n/a 0.7%
NBKC BANK $395,000 n/a 0.7%
CSL Financial, LLC $190,000 $390,000 105.3% 0.6%
Hancock Whitney Bank $665,000 $360,000 -45.9% 0.6%
STOCKTON MORTGAGE CORPORATION $475,000 $355,000 -25.3% 0.6%
TRIAD FINANCIAL SERVICES, INC. $820,000 $350,000 -57.3% 0.6%
First Guaranty Bank $720,000 $335,000 -53.5% 0.6%
LOANDEPOT.COM, LLC $625,000 $325,000 -48.0% 0.5%
FREEDOM MORTGAGE CORPORATION $380,000 $320,000 -15.8% 0.5%
AMERICAN PACIFIC MORTGAGE CORPORATION $455,000 $300,000 -34.1% 0.5%
MOVEMENT MORTGAGE, LLC $225,000 $270,000 20.0% 0.4%
OPEN MORTGAGE, LLC $330,000 $270,000 -18.2% 0.4%
CIS Financial Services, Inc. $265,000 n/a 0.4%
Mr. Cooper ( Nationstar Mortgage ) $955,000 $265,000 -72.3% 0.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,025,000 $260,000 -74.6% 0.4%
First South Farm Credit, ACA $705,000 $255,000 -63.8% 0.4%
SOUTHWEST STAGE FUNDING, LLC $620,000 $255,000 -58.9% 0.4%
Flagstar Bank, FSB $830,000 $250,000 -69.9% 0.4%
CREDIT HUMAN FEDERAL CREDIT UNION $65,000 $240,000 269.2% 0.4%
JPMorgan Chase Bank $640,000 $220,000 -65.6% 0.4%
The First, A National Banking Association $215,000 n/a 0.4%
Origin Bank $195,000 n/a 0.3%
USAA Federal Savings Bank $195,000 n/a 0.3%
SUNBELT Federal Credit Union $50,000 $180,000 260.0% 0.3%
Home Bank $175,000 n/a 0.3%
Discover Bank $55,000 $170,000 209.1% 0.3%
Carrington Mortgage Services, LLC $270,000 $165,000 -38.9% 0.3%
CONTOUR MORTGAGE CORPORATION $165,000 n/a 0.3%
Barrington Bank & Trust Company, N.A. $155,000 $155,000 0.0% 0.3%
Capital Bank $145,000 n/a 0.2%
Citizens Savings Bank $255,000 $140,000 -45.1% 0.2%
Bank of England $745,000 $135,000 -81.9% 0.2%
United Community Bank $425,000 $135,000 -68.2% 0.2%
VELOCITY COMMERCIAL CAPITAL, LLC $135,000 n/a 0.2%
ZILLOW HOME LOANS, LLC $135,000 n/a 0.2%
FIRST COMMUNITY MORTGAGE, INC. $355,000 $125,000 -64.8% 0.2%
AMERISAVE MORTGAGE CORPORATION $815,000 $115,000 -85.9% 0.2%
CORNERSTONE HOME LENDING, INC. $340,000 $115,000 -66.2% 0.2%
Grand Bank for Savings, FSB $115,000 n/a 0.2%
FINANCE OF AMERICA REVERSE LLC $110,000 n/a 0.2%
Equity Prime Mortgage LLC $105,000 n/a 0.2%
FIRST COLONY MORTGAGE CORPORATION $105,000 n/a 0.2%
MID AMERICA MORTGAGE, INC. $95,000 n/a 0.2%
SWBC MORTGAGE CORPORATION $95,000 n/a 0.2%
AMERICAN HERITAGE LENDING, INC. $85,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $95,000 $85,000 -10.5% 0.1%
SUPERIOR CHOICE $85,000 n/a 0.1%
FirstBank $305,000 $75,000 -75.4% 0.1%
RELIANCE FIRST CAPITAL, LLC $140,000 $75,000 -46.4% 0.1%
The Peoples Bank, Biloxi, Mississippi $65,000 n/a 0.1%
Landmark Bank $25,000 n/a 0.0%

McComb's top lender by overall market share is FIDELITY BANK, with 15.8% market share. In second place, with 11.2%, is Trustmark National Bank, having originated $6,815,000 in loans. In third place, with 7.7%, is QUICKEN LOANS, LLC, having originated $4,675,000 in loans. In fourth place, with 7.4%, is First Bank, having originated $4,510,000 in loans. In fifth place, with 5.6%, is Community Bank of Mississippi, having originated $3,420,000 in loans.


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

Realtor.com - McComb (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 $129,000 (-8.2%) $166,097 (-6.8%) 0.00 205
2018-02-01 $125,000 (-11.7%) $165,319 (-6.0%) 0.00 204
2018-03-01 $120,900 (-19.4%) $158,267 (-12.0%) 0.00 215
2018-04-01 $119,900 (-19.5%) $159,152 (-11.0%) 0.00 227
2018-05-01 $115,725 (-18.8%) $151,984 (-15.1%) 0.00 228
2018-06-01 $119,950 (-14.3%) $156,600 (-11.4%) 0.00 242
2018-07-01 $124,450 (-10.1%) $164,775 (-4.5%) 0.00 254
2018-08-01 $122,450 (-12.5%) $165,346 (-6.6%) 0.00 257
2018-09-01 $124,450 (-4.2%) $164,548 (-2.4%) 0.00 265
2018-10-01 $120,875 (-7.9%) $165,569 (-2.0%) 0.00 262
2018-11-01 $119,600 (-7.5%) $166,565 (-1.5%) 0.00 258
2018-12-01 $123,500 (-6.3%) $169,838 (-1.3%) 0.00 260
2019-01-01 $119,750 (-7.2%) $169,368 (2.0%) 0.00 247
2019-02-01 $126,850 (1.5%) $171,827 (3.9%) 0.00 247
2019-03-01 $129,214 (6.9%) $173,329 (9.5%) 0.00 234
2019-04-01 $129,214 (7.8%) $171,266 (7.6%) 0.00 223
2019-05-01 $129,075 (11.5%) $169,570 (11.6%) 0.00 217
2019-06-01 $129,700 (8.1%) $171,319 (9.4%) 0.00 201
2019-07-01 $120,000 (-3.6%) $165,807 (0.6%) 0.00 200
2019-08-01 $122,509 (0.1%) $168,534 (1.9%) 0.00 199
2019-09-01 $126,273 (1.5%) $171,374 (4.2%) 0.00 195
2019-10-01 $128,782 (6.5%) $175,448 (6.0%) 0.00 187
2019-11-01 $125,000 (4.5%) $174,890 (5.0%) 0.00 182
2019-12-01 $125,000 (1.2%) $173,847 (2.4%) 0.00 186
2020-01-01 $124,950 (4.3%) $174,308 (2.9%) 0.00 181
2020-02-01 $125,000 (-1.5%) $177,146 (3.1%) 0.00 180
2020-03-01 $131,625 (1.9%) $184,408 (6.4%) 0.00 178
2020-04-01 $129,950 (0.6%) $184,452 (7.7%) 0.00 174
2020-05-01 $130,000 (0.7%) $183,893 (8.5%) 0.00 159
2020-06-01 $129,250 (-0.4%) $183,608 (7.2%) 0.00 155
2020-07-01 $129,700 (8.1%) $187,984 (13.4%) 0.00 139
2020-08-01 $129,900 (6.0%) $190,015 (12.8%) 0.00 143
2020-09-01 $149,900 (18.7%) $208,916 (21.9%) 0.00 132
2020-10-01 $149,900 (16.4%) $212,579 (21.2%) 0.00 124
2020-11-01 $152,000 (21.6%) $215,841 (23.4%) 0.00 121
2020-12-01 $153,500 (22.8%) $222,085 (27.8%) 0.00 109
2021-01-01 $168,000 (34.5%) $229,842 (31.9%) 0.00 105
2021-02-01 $169,500 (35.6%) $232,377 (31.2%) 0.00 94
2021-03-01 $192,200 (46.0%) $252,734 (37.1%) 0.00 81
2021-04-01 $192,475 (48.1%) $276,536 (49.9%) 0.00 69
2021-05-01 $175,000 (34.6%) $265,771 (44.5%) 0.00 61
2021-06-01 $175,000 (35.4%) $267,881 (45.9%) 0.00 69
2021-07-01 $169,000 (30.3%) $244,320 (30.0%) 0.00 74
2021-08-01 $149,900 (15.4%) $231,497 (21.8%) 0.00 74
2021-09-01 $139,475 (-7.0%) $225,616 (8.0%) 0.00 78
2021-10-01 $154,450 (3.0%) $237,837 (11.9%) 0.00 81
2021-11-01 $180,000 (18.4%) $253,420 (17.4%) 0.00 70
2021-12-01 $189,750 (23.6%) $258,412 (16.4%) 0.00 69
2022-01-01 $175,000 (4.2%) $248,041 (7.9%) 0.00 64
2022-02-01 $179,500 (5.9%) $266,295 (14.6%) 0.00 51
2022-03-01 $173,425 (-9.8%) $266,341 (5.4%) 0.00 51
2022-04-01 $175,000 (-9.1%) $270,012 (-2.4%) 0.00 41
2022-05-01 $171,825 (-1.8%) $255,388 (-3.9%) 0.00 55
2022-06-01 $174,375 (-0.4%) $243,010 (-9.3%) 0.00 68
2022-07-01 $188,485 (11.5%) $239,970 (-1.8%) 0.00 66
2022-08-01 $194,900 (30.0%) $252,034 (8.9%) 0.00 65
2022-09-01 $194,725 (39.6%) $344,588 (52.7%) 0.00 69
2022-10-01 $189,500 (22.7%) $315,168 (32.5%) 0.00 82
2022-11-01 $186,375 (3.5%) $293,260 (15.7%) 0.00 85
2022-12-01 $189,500 (-0.1%) $269,839 (4.4%) 0.00 87
2023-01-01 $174,175 (-0.5%) $271,286 (9.4%) 0.00 82
2023-02-01 $164,250 (-8.5%) $248,712 (-6.6%) 0.00 83
2023-03-01 $166,825 (-3.8%) $257,316 (-3.4%) 0.00 84
2023-04-01 $170,000 (-2.9%) $255,541 (-5.4%) 0.00 88
2023-05-01 $169,225 (-1.5%) $242,958 (-4.9%) 0.00 93
2023-06-01 $178,625 (2.4%) $240,068 (-1.2%) 0.00 94
2023-07-01 $190,950 (1.3%) $246,399 (2.7%) 0.00 94
2023-08-01 $180,725 (-7.3%) $234,429 (-7.0%) 0.00 95
2023-09-01 $166,750 (-14.4%) $217,981 (-36.7%) 0.00 101
2023-10-01 $165,000 (-12.9%) $214,631 (-31.9%) 0.00 102
2023-11-01 $178,675 (-4.1%) $223,263 (-23.9%) 0.00 106
2023-12-01 $175,000 (-7.7%) $223,390 (-17.2%) 0.00 101
2024-01-01 $173,725 (-0.3%) $229,279 (-15.5%) 0.00 99
2024-02-01 $179,900 (9.5%) $244,709 (-1.6%) 0.00 91
2024-03-01 $197,250 (18.2%) $237,129 (-7.8%) 0.00 86
McComb's median listing price for 2024-03-01 was $197,250, a difference of $30,425 (18.2%) versus the prior year and $17,350 versus the prior month.

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

McComb's average listing price for 2024-03-01 was $237,129, a difference of $-20,187 (-7.8%) versus the prior year and $-7,580 versus the prior month.

For the 2024-03-01 period, McComb had 86 MLS listings, a difference of -5 listings (-5%) versus the prior month and 2 listings (2%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - McComb (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,936 sqft
2018-02-01 0 days 1,940 sqft
2018-03-01 0 days 1,900 sqft
2018-04-01 0 days 1,906 sqft
2018-05-01 0 days 1,903 sqft
2018-06-01 0 days 1,907 sqft
2018-07-01 0 days 1,929 sqft
2018-08-01 0 days 1,927 sqft
2018-09-01 0 days 1,901 sqft
2018-10-01 0 days 1,888 sqft
2018-11-01 0 days 1,870 sqft
2018-12-01 0 days 1,872 sqft
2019-01-01 0 days 1,883 sqft
2019-02-01 0 days 1,881 sqft
2019-03-01 0 days 1,875 sqft
2019-04-01 0 days 1,856 sqft
2019-05-01 0 days 1,843 sqft
2019-06-01 0 days 1,840 sqft
2019-07-01 0 days 1,810 sqft
2019-08-01 0 days 1,818 sqft
2019-09-01 0 days 1,830 sqft
2019-10-01 0 days 1,861 sqft
2019-11-01 0 days 1,894 sqft
2019-12-01 0 days 1,892 sqft
2020-01-01 0 days 1,891 sqft
2020-02-01 0 days 1,895 sqft
2020-03-01 0 days 1,894 sqft
2020-04-01 0 days 1,892 sqft
2020-05-01 0 days 1,896 sqft
2020-06-01 0 days 1,920 sqft
2020-07-01 0 days 1,972 sqft
2020-08-01 0 days 1,999 sqft
2020-09-01 0 days 2,149 sqft
2020-10-01 0 days 2,118 sqft
2020-11-01 0 days 2,144 sqft
2020-12-01 0 days 2,187 sqft
2021-01-01 0 days 2,256 sqft
2021-02-01 0 days 2,219 sqft
2021-03-01 0 days 2,251 sqft
2021-04-01 0 days 2,246 sqft
2021-05-01 0 days 2,120 sqft
2021-06-01 0 days 2,268 sqft
2021-07-01 0 days 2,004 sqft
2021-08-01 0 days 1,940 sqft
2021-09-01 0 days 1,900 sqft
2021-10-01 0 days 2,004 sqft
2021-11-01 0 days 2,009 sqft
2021-12-01 0 days 2,132 sqft
2022-01-01 0 days 2,417 sqft
2022-02-01 0 days 2,159 sqft
2022-03-01 0 days 2,012 sqft
2022-04-01 0 days 2,008 sqft
2022-05-01 0 days 2,022 sqft
2022-06-01 0 days 2,003 sqft
2022-07-01 0 days 2,000 sqft
2022-08-01 0 days 2,000 sqft
2022-09-01 0 days 2,035 sqft
2022-10-01 0 days 2,014 sqft
2022-11-01 0 days 2,006 sqft
2022-12-01 0 days 2,004 sqft
2023-01-01 0 days 2,014 sqft
2023-02-01 0 days 2,011 sqft
2023-03-01 0 days 2,015 sqft
2023-04-01 0 days 2,069 sqft
2023-05-01 0 days 2,014 sqft
2023-06-01 0 days 2,052 sqft
2023-07-01 0 days 2,030 sqft
2023-08-01 0 days 2,033 sqft
2023-09-01 0 days 1,906 sqft
2023-10-01 0 days 1,913 sqft
2023-11-01 0 days 1,946 sqft
2023-12-01 0 days 1,953 sqft
2024-01-01 0 days 1,894 sqft
2024-02-01 0 days 1,885 sqft
2024-03-01 0 days 1,936 sqft
McComb's median listing age (time on market) for 2024-03-01 was 0 days.

McComb's median square footage for active listings during the 2024-03-01 period was 1,936 sqft. One year prior, the average listing was 2,015 sqft.

McComb, MS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 260 $42,120,000 $162,000
Refi 84 $10,710,000 $127,500
Other 32 $2,200,000 $68,750
Cash Out Refi 29 $4,675,000 $161,207
Home Improvement 16 $1,010,000 $63,125

Mccomb's most frequently cited loan purpose was Home Purchase, with 260 originations. The 2nd most popular reason was Refi, with 84 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
Over 8% 114 $12,880,000 $112,982
6-7% 108 $18,240,000 $168,889
7-8% 88 $16,320,000 $185,455
5-6% 43 $7,125,000 $165,698
<2.5% 6 $410,000 $68,333
3-4% 2 $250,000 $125,000
2.5-3% 2 $170,000 $85,000
4-5% 1 $245,000 $245,000

During 2023, Mccomb's most frequently originated rate bucket was Over 8%, with 114 originations.

Loan Sizing (McComb, MS MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 185 $10,755,000 $58,135
$100k-200k 152 $21,710,000 $142,829
$200k-400k 72 $18,620,000 $258,611
$600k-1000k 6 $4,360,000 $726,667
$400k-600k 3 $1,365,000 $455,000
$Over $1MM 3 $3,905,000 $1,301,667

McComb's loan sizing saw the bucket of loans from $100,000 or less with 185 originations, totaling $10,755,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 190 $32,130,000 $169,105
60-80% 63 $11,035,000 $175,159
40-60% 39 $3,515,000 $90,128
20-40% 37 $6,125,000 $165,541
Under 20% 19 $655,000 $34,474
Over 100% 10 $1,660,000 $166,000

McComb's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 190 originations, totaling $32,130,000 in origination value.