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 6.66% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

The average rate for the prior week (2023-03-09) was 6.79% and one month ago for the week of 2023-02-09, the average rate was 6.38%.

Mccomb's average rate one year ago was 3.76%.

For refis of the same type during the week of 2023-03-16, the average rate was 7.32%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-03-16 6.6%
Mccomb 30 Year Fixed Rate 2023-03-16 6.66%
Mccomb 30 Year Fixed Rate Refi 2023-03-16 7.32%
Mccomb 15 Year Fixed Rate 2023-03-16 7.56%
Mccomb 15 Year Fixed Rate Refi 2023-03-16 6.58%
Mccomb 30 Year FHA 2023-03-16 6.51%
Mccomb 30 Year FHA Refi 2023-03-16 6.5%
Mccomb 30 Year USDA 2023-03-16 6.58%
Mccomb 30 Year USDA Refi 2023-03-16 2.52%
Mccomb 30 Year VA 2023-03-16 6.6%
Mccomb 30 Year VA Refi 2023-03-16 6.07%
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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
FIDELITY BANK 33 4.96% $5,017
QUICKEN LOANS, LLC 9 4.91% $5,375
Trustmark National Bank 8 4.86% $3,547
Regions Bank 7 5.45% $5,068
ANGEL OAK HOME LOANS LLC 7 4.61% $4,214
GMFS LLC 7 4.30% $5,271
Renasant Bank 5 4.57% $4,954
UNITED WHOLESALE MORTGAGE, LLC 4 5.25% $5,250
JPMorgan Chase Bank 3 4.92% $2,105
Mr. Cooper ( Nationstar Mortgage ) 2 6.31% $8,320
NEWREZ LLC 2 5.75% $4,328
LOANDEPOT.COM, LLC 2 6.38% $4,692
Hancock Whitney Bank 2 3.81% $5,208
CALIBER HOME LOANS, INC. 2 4.98% $4,593
MOVEMENT MORTGAGE, LLC 1 5.56% $3,964
NAVY FEDERAL CREDIT UNION 1 5.75% $2,342
NBH Bank 1 5.88% $5,637
STOCKTON MORTGAGE CORPORATION 1 5.99% $5,051
United Community Bank 1 7.89% $3,784
AMERICAN PACIFIC MORTGAGE CORPORATION 1 4.25% $5,580
Wells Fargo Bank 1 3.50% $4,398
AMERISAVE MORTGAGE CORPORATION 1 3.63% $3,003
Ameris Bank 1 4.63% $3,719
BancorpSouth Bank 1 4.00% $3,273
Bank of America 1 3.50% $3,399
Bank of England 1 3.25% $12,551
BankPlus 1 4.50% $4,084
BETTER MORTGAGE CORPORATION 1 3.38% $4,197
BROKER SOLUTIONS, INC. 1 6.25% $6,067
CORNERSTONE HOME LENDING, INC. 1 4.38% $7,410
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 6.49% $4,316
First South Farm Credit, ACA 1 4.63% $4,654
HOME POINT FINANCIAL CORPORATION 1 2.99% $4,982
Mortgage Research Center, LLC 1 7.38% $1,347

McComb Average Closing Costs & Other Stats

McComb, MS's 34 lenders originated 535 loans during 2022. The total origination value was $75,245,000, with an average loan value of $140,645.

McComb's average closing costs are $5,029.

The top McComb lender as defined by loan originations is FIDELITY BANK, with 33 loans originated. Their average total fees are $5,017, which is $358 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee McComb lenders (with over 10 loans originated) are FIDELITY BANK ($5,017), .

The lowest rate McComb lenders (with over 10 loans originated) are FIDELITY BANK (4.96%), .

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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
FIDELITY BANK $19,540,000 $12,115,000 -38.0% 16.1%
Trustmark National Bank $8,185,000 $6,865,000 -16.1% 9.1%
QUICKEN LOANS, LLC $10,755,000 $4,325,000 -59.8% 5.7%
First Bank $380,000 $4,255,000 1,019.7% 5.7%
ANGEL OAK HOME LOANS LLC $3,785,000 $3,750,000 -0.9% 5.0%
GMFS LLC $1,175,000 $3,180,000 170.6% 4.2%
Regions Bank $3,080,000 $3,080,000 0.0% 4.1%
UNITED WHOLESALE MORTGAGE, LLC $4,905,000 $2,115,000 -56.9% 2.8%
VANDERBILT MORTGAGE AND FINANCE, INC. $2,195,000 $2,050,000 -6.6% 2.7%
Citizens Bank $1,525,000 $1,630,000 6.9% 2.2%
Mortgage Research Center, LLC $3,585,000 $1,565,000 -56.3% 2.1%
Renasant Bank $1,815,000 $1,370,000 -24.5% 1.8%
Community Bank of Mississippi $2,300,000 $1,350,000 -41.3% 1.8%
BankPlus $3,940,000 $1,265,000 -67.9% 1.7%
21ST MORTGAGE CORPORATION $1,465,000 $1,205,000 -17.7% 1.6%
Wells Fargo Bank $1,370,000 $1,075,000 -21.5% 1.4%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $965,000 $1,025,000 6.2% 1.4%
Mr. Cooper ( Nationstar Mortgage ) $1,055,000 $955,000 -9.5% 1.3%
Flagstar Bank, FSB $650,000 $830,000 27.7% 1.1%
TRIAD FINANCIAL SERVICES, INC. $310,000 $820,000 164.5% 1.1%
AMERISAVE MORTGAGE CORPORATION $2,075,000 $815,000 -60.7% 1.1%
Bank of England $940,000 $745,000 -20.7% 1.0%
First Guaranty Bank $720,000 n/a 1.0%
PENNYMAC LOAN SERVICES, LLC $1,245,000 $720,000 -42.2% 1.0%
First South Farm Credit, ACA $195,000 $705,000 261.5% 0.9%
Hancock Whitney Bank $405,000 $665,000 64.2% 0.9%
JPMorgan Chase Bank $730,000 $640,000 -12.3% 0.9%
LOANDEPOT.COM, LLC $2,070,000 $625,000 -69.8% 0.8%
SOUTHWEST STAGE FUNDING, LLC $675,000 $620,000 -8.1% 0.8%
BROKER SOLUTIONS, INC. $375,000 $495,000 32.0% 0.7%
Stifel Bank and Trust $495,000 n/a 0.7%
STOCKTON MORTGAGE CORPORATION $475,000 n/a 0.6%
AMERICAN FINANCIAL RESOURCES, INC. $455,000 n/a 0.6%
AMERICAN PACIFIC MORTGAGE CORPORATION $260,000 $455,000 75.0% 0.6%
The Federal Savings Bank $600,000 $455,000 -24.2% 0.6%
CALIBER HOME LOANS, INC. $485,000 $430,000 -11.3% 0.6%
BancorpSouth Bank $705,000 $425,000 -39.7% 0.6%
United Community Bank $425,000 n/a 0.6%
EVERETT FINANCIAL, INC. $570,000 $415,000 -27.2% 0.6%
HOMESIDE FINANCIAL, LLC $415,000 n/a 0.6%
FREEDOM MORTGAGE CORPORATION $1,855,000 $380,000 -79.5% 0.5%
FIRST COMMUNITY MORTGAGE, INC. $355,000 n/a 0.5%
CORNERSTONE HOME LENDING, INC. $510,000 $340,000 -33.3% 0.5%
VILLAGE CAPITAL MORTGAGE $815,000 $335,000 -58.9% 0.4%
OPEN MORTGAGE, LLC $230,000 $330,000 43.5% 0.4%
HOME POINT FINANCIAL CORPORATION $545,000 $320,000 -41.3% 0.4%
PRIMELENDING, A PLAINSCAPITAL COMPANY $315,000 n/a 0.4%
FirstBank $250,000 $305,000 22.0% 0.4%
Secured Investment Corp. $305,000 n/a 0.4%
RIVERTRUST Federal Credit Union $285,000 n/a 0.4%
NBH Bank $275,000 n/a 0.4%
Carrington Mortgage Services, LLC $505,000 $270,000 -46.5% 0.4%
Citizens Savings Bank $340,000 $255,000 -25.0% 0.3%
Bank of America $125,000 $245,000 96.0% 0.3%
PLANET HOME LENDING, LLC $235,000 n/a 0.3%
Hometown Lenders, Inc. $75,000 $225,000 200.0% 0.3%
MOVEMENT MORTGAGE, LLC $235,000 $225,000 -4.3% 0.3%
NEWREZ LLC $260,000 $225,000 -13.5% 0.3%
Ameris Bank $215,000 n/a 0.3%
EMM LOANS LLC $195,000 n/a 0.3%
EUSTIS AND AMERICAN MORTGAGE COMPANY $195,000 n/a 0.3%
CSL Financial, LLC $190,000 n/a 0.3%
Hometown Equity Mortgage, LLC $185,000 n/a 0.2%
ROYAL UNITED MORTGAGE LLC $125,000 $170,000 36.0% 0.2%
Gulf Coast Bank and Trust Company $165,000 n/a 0.2%
MORTGAGE SOLUTIONS OF COLORADO, LLC $470,000 $165,000 -64.9% 0.2%
Barrington Bank & Trust Company, N.A. $350,000 $155,000 -55.7% 0.2%
CHEVRON $155,000 n/a 0.2%
NETWORK CAPITAL FUNDING CORPORATION $155,000 n/a 0.2%
GUARANTEED RATE, INC. $445,000 $145,000 -67.4% 0.2%
RELIANCE FIRST CAPITAL, LLC $105,000 $140,000 33.3% 0.2%
NAVY FEDERAL CREDIT UNION $790,000 $135,000 -82.9% 0.2%
ACADEMY MORTGAGE CORPORATION $305,000 $125,000 -59.0% 0.2%
BETTER MORTGAGE CORPORATION $125,000 n/a 0.2%
CU COMMUNITY, LLC $125,000 n/a 0.2%
Independent Bank $125,000 n/a 0.2%
b1BANK $105,000 n/a 0.1%
Tyndall Federal Credit Union $105,000 n/a 0.1%
COUNTRYPLACE MORTGAGE, LTD. $95,000 n/a 0.1%
First Guaranty Mortgage Corporation $300,000 $95,000 -68.3% 0.1%
NEW DAY FINANCIAL, LLC $55,000 $95,000 72.7% 0.1%
THE MORTGAGE FIRM, INC. $95,000 n/a 0.1%
Citibank $85,000 n/a 0.1%
Flanagan State Bank $150,000 $85,000 -43.3% 0.1%
GUILD MORTGAGE COMPANY $75,000 n/a 0.1%
CREDIT HUMAN FEDERAL CREDIT UNION $65,000 $65,000 0.0% 0.1%
Figure Lending LLC $65,000 $60,000 -7.7% 0.1%
Deere Employees Credit Union $125,000 $55,000 -56.0% 0.1%
Discover Bank $55,000 n/a 0.1%
SUNBELT Federal Credit Union $25,000 $50,000 100.0% 0.1%
AMERICAN ADVISORS GROUP $15,000 n/a 0.0%

McComb's top lender by overall market share is FIDELITY BANK, with 16.1% market share. In second place, with 9.1%, is Trustmark National Bank, having originated $6,865,000 in loans. In third place, with 5.7%, is QUICKEN LOANS, LLC, having originated $4,325,000 in loans. In fourth place, with 5.7%, is First Bank, having originated $4,255,000 in loans. In fifth place, with 5.0%, is ANGEL OAK HOME LOANS LLC, having originated $3,750,000 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
McComb's median listing price for 2023-02-01 was $164,250, a difference of $-15,250 (-8.5%) versus the prior year and $-9,925 versus the prior month.

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

McComb's average listing price for 2023-02-01 was $248,712, a difference of $-17,583 (-6.6%) versus the prior year and $-22,574 versus the prior month.

For the 2023-02-01 period, McComb had 83 MLS listings, a difference of 1 listings (1%) versus the prior month and 32 listings (63%) 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 2,004 sqft
2022-07-01 0 days 2,008 sqft
2022-08-01 0 days 2,008 sqft
2022-09-01 0 days 2,044 sqft
2022-10-01 0 days 2,014 sqft
2022-11-01 0 days 2,011 sqft
2022-12-01 0 days 2,009 sqft
2023-01-01 0 days 2,018 sqft
2023-02-01 0 days 2,018 sqft
McComb's median listing age (time on market) for 2023-02-01 was 0 days.

McComb's median square footage for active listings during the 2023-02-01 period was 2,018 sqft. One year prior, the average listing was 2,159 sqft.

McComb, MS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 305 $47,635,000 $156,180
Refi 117 $13,845,000 $118,333
Cash Out Refi 63 $9,265,000 $147,063
Other 27 $2,115,000 $78,333
Home Improvement 23 $2,385,000 $103,696

Mccomb's most frequently cited loan purpose was Home Purchase, with 305 originations. The 2nd most popular reason was Refi, with 117 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 105 $16,525,000 $157,381
4-5% 100 $16,250,000 $162,500
3-4% 92 $15,720,000 $170,870
6-7% 61 $8,425,000 $138,115
Over 8% 40 $3,880,000 $97,000
<2.5% 38 $3,000,000 $78,947
2.5-3% 31 $4,565,000 $147,258
7-8% 18 $1,650,000 $91,667

During 2022, Mccomb's most frequently originated rate bucket was 5-6%, with 105 originations.

Loan Sizing (McComb, MS MSA)

Loan Size Originations Total Value Average Loan
$100,000 or less 216 $12,650,000 $58,565
$100k-200k 207 $29,515,000 $142,585
$200k-400k 96 $25,440,000 $265,000
$400k-600k 15 $6,995,000 $466,333
$600k-1000k 1 $645,000 $645,000

McComb's loan sizing saw the bucket of loans from $100,000 or less with 216 originations, totaling $12,650,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 253 $44,855,000 $177,292
60-80% 104 $15,530,000 $149,327
40-60% 56 $5,400,000 $96,429
Under 20% 33 $865,000 $26,212
20-40% 28 $2,000,000 $71,429
Over 100% 7 $965,000 $137,857

McComb's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 253 originations, totaling $44,855,000 in origination value.