Starkville Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Starkville averaged 7% for the week of 2024-05-23, compared to the national average of 6.94% for the same period.

The average rate for the prior week (2024-05-16) was 6.68% and one month ago for the week of 2024-04-18, the average rate was 7.16%.

Starkville's average rate one year ago was 6.35%.

For refis of the same type during the week of 2024-05-23, the average rate was 7.34%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-05-23 6.94%
Starkville 30 Year Fixed Rate 2024-05-23 7%
Starkville 30 Year Fixed Rate Refi 2024-05-23 7.34%
Starkville 15 Year Fixed Rate 2024-05-23 6.24%
Starkville 15 Year Fixed Rate Refi 2024-05-23 6.84%
Starkville 30 Year FHA 2024-05-23 6.47%
Starkville 30 Year FHA Refi 2024-05-23 6.65%
Starkville 30 Year USDA 2024-05-23 6.74%
Starkville 30 Year USDA Refi 2024-05-23 6.74%
Starkville 30 Year VA 2024-05-23 6.57%
Starkville 30 Year VA Refi 2024-05-23 6.67%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Starkville, MS.

Starkville 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 Starkville, 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
BancorpSouth 70 6.44% $6,378
Renasant Bank 22 6.61% $5,576
QUICKEN LOANS, LLC 12 6.77% $7,646
Flagstar Bank, FSB 10 6.69% $6,338
Trustmark National Bank 8 6.41% $8,891
Citizens Bank 7 6.46% $6,779
Regions Bank 6 6.38% $4,866
Community Bank of Mississippi 5 6.99% $5,480
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 7.00% $6,041
The Citizens National Bank of Meridian 4 6.72% $2,757
JPMorgan Chase Bank 4 6.19% $4,349
First Horizon Bank 3 6.75% $4,137
MOVEMENT MORTGAGE, LLC 3 6.52% $7,216
SIRVA MORTGAGE, INC. 3 6.46% $659
BankPlus 3 7.29% $5,524
CIS Financial Services, Inc. 3 6.88% $7,038
FIRST COMMUNITY MORTGAGE, INC. 3 6.58% $12,708
UNITED WHOLESALE MORTGAGE, LLC 3 7.71% $3,731
GMFS LLC 2 6.88% $7,104
CHURCHILL MORTGAGE CORPORATION 2 7.88% $9,294
MORTGAGE INVESTORS GROUP, INC. 2 6.38% $8,169
FIDELITY BANK 2 6.81% $5,178
Mr. Cooper ( Nationstar Mortgage ) 2 7.18% $9,628
Origin Bank 2 6.00% $3,584
PENNYMAC LOAN SERVICES, LLC 2 6.68% $8,593
Wells Fargo Bank 2 6.63% $7,224
Hancock Whitney Bank 2 6.63% $4,365
Wilmington Savings Fund Society, FSB 1 5.75% $7,020
AgHeritage Farm Credit Services FLCA 1 7.50% $5,198
AMERISAVE MORTGAGE CORPORATION 1 5.00% $11,393
Assurance Financial Group, L.L.C. 1 6.25% $3,476
Bankers Trust Company 1 6.63% $4,150
Bank Independent 1 6.63% $7,126
Bank of England 1 6.63% $5,157
CB&S Bank, Inc. 1 7.50% $6,939
CROSSCOUNTRY MORTGAGE, LLC 1 7.58% $4,535
DIGITAL Federal Credit Union 1 6.63% $7,010
Equity Prime Mortgage LLC 1 7.75% $7,208
Firstar Bank 1 5.75% $3,613
First Internet Bank of Indiana 1 6.38% $2,908
Fortress Bank 1 6.38% $3,550
FREEDOM MORTGAGE CORPORATION 1 7.38% $6,771
LEADERONE FINANCIAL CORPORATION 1 6.75% $4,367
Magnolia Bank 1 5.63% $3,626
Merchants & Marine Bank 1 6.50% $6,283
Mortgage Research Center, LLC 1 7.38% $970
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.25% $14,674
NAVY FEDERAL CREDIT UNION 1 5.75% $4,963
PNC Bank 1 6.88% $3,920
SeaTrust Mortgage Company 1 6.75% $6,193
Simmons Bank 1 7.88% $4,125
Truist 1 6.25% $4,874
21ST MORTGAGE CORPORATION 1 8.42% $6,952

Starkville Average Closing Costs & Other Stats

Starkville, MS's 53 lenders originated 783 loans during 2023. The total origination value was $182,815,000, with an average loan value of $233,480.

Starkville's average closing costs are $4,932.

The top Starkville lender as defined by loan originations is BancorpSouth, with 70 loans originated. Their average total fees are $6,378, which is $803 higher than the next largest lender, Renasant Bank.

The lowest fee Starkville lenders (with over 10 loans originated) are Renasant Bank ($5,576), Flagstar Bank, FSB ($6,338), BancorpSouth ($6,378), QUICKEN LOANS, LLC ($7,646) and .

The lowest rate Starkville lenders (with over 10 loans originated) are BancorpSouth (6.44%), Renasant Bank (6.61%), Flagstar Bank, FSB (6.69%), QUICKEN LOANS, LLC (6.77%) and .

Starkville, 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
BancorpSouth $44,385,000 $37,130,000 -16.3% 20.3%
Renasant Bank $29,215,000 $17,965,000 -38.5% 9.8%
BankFirst Financial Services $16,075,000 $15,105,000 -6.0% 8.3%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $10,565,000 n/a 5.8%
Flagstar Bank, FSB $12,815,000 $9,710,000 -24.2% 5.3%
BankPlus $3,805,000 $5,995,000 57.6% 3.3%
QUICKEN LOANS, LLC $11,400,000 $4,890,000 -57.1% 2.7%
CIS Financial Services, Inc. $280,000 $4,860,000 1,635.7% 2.7%
Regions Bank $6,455,000 $4,060,000 -37.1% 2.2%
Community Bank of Mississippi $3,810,000 $4,040,000 6.0% 2.2%
21ST MORTGAGE CORPORATION $3,945,000 $3,740,000 -5.2% 2.0%
Trustmark National Bank $21,405,000 $3,210,000 -85.0% 1.8%
Guaranty Bank and Trust Company $3,825,000 $3,185,000 -16.7% 1.7%
The First, A National Banking Association $2,975,000 $2,920,000 -1.8% 1.6%
Mortgage Research Center, LLC $3,090,000 $2,890,000 -6.5% 1.6%
Citizens Bank $3,665,000 $2,660,000 -27.4% 1.5%
Southern Bancorp Bank $1,940,000 n/a 1.1%
KEESLER $1,760,000 n/a 1.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,560,000 $1,600,000 -37.5% 0.9%
JPMorgan Chase Bank $1,465,000 $1,535,000 4.8% 0.8%
The Citizens National Bank of Meridian $1,055,000 $1,470,000 39.3% 0.8%
PENNYMAC LOAN SERVICES, LLC $235,000 $1,450,000 517.0% 0.8%
FIRST COMMUNITY MORTGAGE, INC. $1,695,000 $1,330,000 -21.5% 0.7%
Magnolia Bank $755,000 $1,205,000 59.6% 0.7%
GMFS LLC $1,200,000 n/a 0.7%
LIMA ONE CAPITAL, LLC $330,000 $1,165,000 253.0% 0.6%
Commercial Bank & Trust Co. $495,000 $1,115,000 125.3% 0.6%
Planters Bank & Trust Company $785,000 $1,115,000 42.0% 0.6%
CB&S Bank, Inc. $1,890,000 $1,100,000 -41.8% 0.6%
UNITED WHOLESALE MORTGAGE, LLC $1,230,000 $1,095,000 -11.0% 0.6%
MOVEMENT MORTGAGE, LLC $1,335,000 $1,060,000 -20.6% 0.6%
Mr. Cooper ( Nationstar Mortgage ) $570,000 $885,000 55.3% 0.5%
SIRVA MORTGAGE, INC. $565,000 $875,000 54.9% 0.5%
First Horizon Bank $380,000 $815,000 114.5% 0.4%
EVANSVILLE TEACHERS $765,000 n/a 0.4%
Hancock Whitney Bank $755,000 n/a 0.4%
Wells Fargo Bank $1,705,000 $705,000 -58.7% 0.4%
LEADERONE FINANCIAL CORPORATION $685,000 n/a 0.4%
LOANDEPOT.COM, LLC $535,000 $670,000 25.2% 0.4%
Bankers Trust Company $655,000 n/a 0.4%
CHURCHILL MORTGAGE CORPORATION $180,000 $635,000 252.8% 0.3%
FREEDOM MORTGAGE CORPORATION $975,000 $605,000 -37.9% 0.3%
CROSSCOUNTRY MORTGAGE, LLC $590,000 n/a 0.3%
Truist $585,000 n/a 0.3%
MORTGAGE INVESTORS GROUP, INC. $580,000 n/a 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $545,000 n/a 0.3%
Origin Bank $535,000 n/a 0.3%
Paramount Bank $515,000 n/a 0.3%
USAA Federal Savings Bank $1,810,000 $515,000 -71.5% 0.3%
The Bank of Holly Springs $380,000 $505,000 32.9% 0.3%
Bank of America $220,000 $500,000 127.3% 0.3%
NEW DAY FINANCIAL, LLC $125,000 $490,000 292.0% 0.3%
Bank of Bartlett $460,000 n/a 0.3%
Equity Prime Mortgage LLC $430,000 n/a 0.2%
PriorityOne Bank $115,000 $415,000 260.9% 0.2%
The Farmers Bank $405,000 n/a 0.2%
TRIAD FINANCIAL SERVICES, INC. $565,000 $395,000 -30.1% 0.2%
AMERISAVE MORTGAGE CORPORATION $1,565,000 $390,000 -75.1% 0.2%
AgHeritage Farm Credit Services FLCA $375,000 n/a 0.2%
HOMESIDE FINANCIAL, LLC $295,000 $375,000 27.1% 0.2%
Bank Independent $370,000 n/a 0.2%
First Commercial Bank $330,000 $360,000 9.1% 0.2%
RiverHills Bank $360,000 n/a 0.2%
First Security Bank $580,000 $355,000 -38.8% 0.2%
Merchants & Marine Bank $345,000 n/a 0.2%
Wilmington Savings Fund Society, FSB $345,000 n/a 0.2%
Bank of England $1,015,000 $340,000 -66.5% 0.2%
CSL Financial, LLC $190,000 $330,000 73.7% 0.2%
West Alabama Bank & Trust $145,000 $330,000 127.6% 0.2%
DIGITAL Federal Credit Union $325,000 n/a 0.2%
First Bank $325,000 n/a 0.2%
GENEVA FINANCIAL, LLC $325,000 n/a 0.2%
FIDELITY BANK $850,000 $320,000 -62.4% 0.2%
CARDINAL FINANCIAL $490,000 $315,000 -35.7% 0.2%
STOCKTON MORTGAGE CORPORATION $195,000 $315,000 61.5% 0.2%
The Bank of Fayette County $550,000 $285,000 -48.2% 0.2%
First Federal Bank, A FSB $275,000 n/a 0.2%
Simmons Bank $265,000 n/a 0.1%
FirstBank $1,765,000 $260,000 -85.3% 0.1%
Great Southern Bank $255,000 n/a 0.1%
PNC Bank $165,000 $255,000 54.5% 0.1%
SeaTrust Mortgage Company $255,000 n/a 0.1%
NAVY FEDERAL CREDIT UNION $1,510,000 $250,000 -83.4% 0.1%
VILLAGE CAPITAL MORTGAGE $245,000 n/a 0.1%
CapStar Bank $225,000 n/a 0.1%
Citibank $225,000 n/a 0.1%
First Federal Savings and Loan Association $225,000 n/a 0.1%
Firstar Bank $215,000 n/a 0.1%
Assurance Financial Group, L.L.C. $600,000 $210,000 -65.0% 0.1%
United Community Bank $520,000 $210,000 -59.6% 0.1%
Ally Bank $830,000 $205,000 -75.3% 0.1%
Bank of Yazoo City $450,000 $205,000 -54.4% 0.1%
NEWREZ LLC $195,000 n/a 0.1%
PLANET HOME LENDING, LLC $265,000 $185,000 -30.2% 0.1%
COUNTRYPLACE MORTGAGE, LTD. $175,000 n/a 0.1%
The Citizens Bank of Philadelphia, Mississippi $400,000 $175,000 -56.3% 0.1%
CHEVRON $235,000 $170,000 -27.7% 0.1%
SOUTHWEST STAGE FUNDING, LLC $225,000 $165,000 -26.7% 0.1%
Synovus Bank $165,000 n/a 0.1%
U.S. Bank $490,000 $150,000 -69.4% 0.1%
Grand Bank for Savings, FSB $145,000 n/a 0.1%
Bryant Bank $135,000 n/a 0.1%
Carrington Mortgage Services, LLC $335,000 $135,000 -59.7% 0.1%
Paramount Residential Mortgage Group, Inc. $625,000 $135,000 -78.4% 0.1%
ROYAL UNITED MORTGAGE LLC $135,000 n/a 0.1%
The Bank of Forest $135,000 n/a 0.1%
First Internet Bank of Indiana $125,000 n/a 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $175,000 $115,000 -34.3% 0.1%
Focus Bank $115,000 n/a 0.1%
Fortress Bank $105,000 n/a 0.1%
SUPERIOR CHOICE $95,000 n/a 0.1%
Discover Bank $45,000 $90,000 100.0% 0.0%
Figure Lending LLC $80,000 $90,000 12.5% 0.0%
MID AMERICA MORTGAGE, INC. $90,000 n/a 0.0%
MUTUAL $75,000 n/a 0.0%
Bethpage Federal Credit Union $55,000 n/a 0.0%
BROKER SOLUTIONS, INC. $440,000 $55,000 -87.5% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $25,000 $55,000 120.0% 0.0%

Starkville's top lender by overall market share is BancorpSouth, with 20.3% market share. In second place, with 9.8%, is Renasant Bank, having originated $17,965,000 in loans. In third place, with 8.3%, is BankFirst Financial Services, having originated $15,105,000 in loans. In fourth place, with 5.8%, is BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC, having originated $10,565,000 in loans. In fifth place, with 5.3%, is Flagstar Bank, FSB, having originated $9,710,000 in loans.


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

Realtor.com - Starkville (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 $232,675 (-10.4%) $264,850 (-1.0%) 0.00 221
2018-02-01 $234,700 (-9.3%) $264,223 (-1.8%) 0.00 213
2018-03-01 $229,900 (-8.0%) $258,857 (-4.0%) 0.00 245
2018-04-01 $225,000 (-13.5%) $254,533 (-6.1%) 0.00 280
2018-05-01 $225,000 (-10.2%) $251,601 (-5.8%) 0.00 291
2018-06-01 $225,000 (-13.2%) $251,727 (-6.9%) 0.00 281
2018-07-01 $229,200 (-8.3%) $253,812 (-4.5%) 0.00 291
2018-08-01 $224,925 (-7.8%) $256,088 (-0.5%) 0.00 285
2018-09-01 $229,000 (-6.2%) $259,628 (-1.1%) 0.00 270
2018-10-01 $232,000 (-2.2%) $256,506 (-3.0%) 0.00 285
2018-11-01 $232,983 (-0.4%) $260,805 (-0.2%) 0.00 273
2018-12-01 $237,400 (0.6%) $262,255 (-0.8%) 0.00 255
2019-01-01 $239,900 (3.1%) $260,641 (-1.6%) 0.00 251
2019-02-01 $241,450 (2.9%) $264,142 (0.0%) 0.00 264
2019-03-01 $243,543 (5.9%) $267,067 (3.2%) 0.00 268
2019-04-01 $246,068 (9.4%) $272,439 (7.0%) 0.00 272
2019-05-01 $246,500 (9.6%) $273,964 (8.9%) 0.00 281
2019-06-01 $239,900 (6.6%) $273,275 (8.6%) 0.00 275
2019-07-01 $251,888 (9.9%) $284,220 (12.0%) 0.00 273
2019-08-01 $252,927 (12.5%) $282,982 (10.5%) 0.00 266
2019-09-01 $250,718 (9.5%) $281,739 (8.5%) 0.00 253
2019-10-01 $249,000 (7.3%) $280,911 (9.5%) 0.00 242
2019-11-01 $247,500 (6.2%) $281,757 (8.0%) 0.00 234
2019-12-01 $246,000 (3.6%) $285,029 (8.7%) 0.00 221
2020-01-01 $254,700 (6.2%) $296,824 (13.9%) 0.00 213
2020-02-01 $261,640 (8.4%) $312,433 (18.3%) 0.00 212
2020-03-01 $265,860 (9.2%) $313,497 (17.4%) 0.00 221
2020-04-01 $261,175 (6.1%) $309,620 (13.7%) 0.00 209
2020-05-01 $249,900 (1.4%) $291,737 (6.5%) 0.00 239
2020-06-01 $253,750 (5.8%) $291,188 (6.6%) 0.00 227
2020-07-01 $264,700 (5.1%) $291,384 (2.5%) 0.00 220
2020-08-01 $249,900 (-1.2%) $284,132 (0.4%) 0.00 231
2020-09-01 $229,900 (-8.3%) $278,300 (-1.2%) 0.00 228
2020-10-01 $238,500 (-4.2%) $284,191 (1.2%) 0.00 223
2020-11-01 $243,750 (-1.5%) $280,355 (-0.5%) 0.00 200
2020-12-01 $218,975 (-11.0%) $276,227 (-3.1%) 0.00 201
2021-01-01 $210,000 (-17.6%) $282,481 (-4.8%) 0.00 191
2021-02-01 $244,600 (-6.5%) $283,810 (-9.2%) 0.00 186
2021-03-01 $239,975 (-9.7%) $281,705 (-10.1%) 0.00 169
2021-04-01 $265,283 (1.6%) $291,290 (-5.9%) 0.00 151
2021-05-01 $263,550 (5.5%) $293,098 (0.5%) 0.00 145
2021-06-01 $254,590 (0.3%) $288,178 (-1.0%) 0.00 161
2021-07-01 $252,255 (-4.7%) $283,217 (-2.8%) 0.00 167
2021-08-01 $243,075 (-2.7%) $285,178 (0.4%) 0.00 149
2021-09-01 $224,950 (-2.2%) $278,416 (0.0%) 0.00 147
2021-10-01 $225,000 (-5.7%) $281,105 (-1.1%) 0.00 130
2021-11-01 $259,900 (6.6%) $320,807 (14.4%) 0.00 90
2021-12-01 $276,450 (26.3%) $351,069 (27.1%) 0.00 64
2022-01-01 $275,000 (31.0%) $348,420 (23.3%) 0.00 75
2022-02-01 $341,850 (39.8%) $384,597 (35.5%) 0.00 77
2022-03-01 $334,700 (39.5%) $370,639 (31.6%) 0.00 88
2022-04-01 $344,000 (29.7%) $374,064 (28.4%) 0.00 73
2022-05-01 $328,150 (24.5%) $365,310 (24.6%) 0.00 78
2022-06-01 $327,450 (28.6%) $355,574 (23.4%) 0.00 95
2022-07-01 $343,500 (36.2%) $374,321 (32.2%) 0.00 113
2022-08-01 $335,600 (38.1%) $377,065 (32.2%) 0.00 92
2022-09-01 $337,400 (50.0%) $378,524 (36.0%) 0.00 94
2022-10-01 $356,200 (58.3%) $382,219 (36.0%) 0.00 95
2022-11-01 $354,150 (36.3%) $381,351 (18.9%) 0.00 105
2022-12-01 $367,950 (33.1%) $387,874 (10.5%) 0.00 94
2023-01-01 $380,000 (38.2%) $402,690 (15.6%) 0.00 95
2023-02-01 $411,375 (20.3%) $406,337 (5.7%) 0.00 89
2023-03-01 $414,000 (23.7%) $416,650 (12.4%) 0.00 92
2023-04-01 $410,200 (19.2%) $408,348 (9.2%) 0.00 98
2023-05-01 $407,775 (24.3%) $413,348 (13.2%) 0.00 114
2023-06-01 $394,375 (20.4%) $401,686 (13.0%) 0.00 115
2023-07-01 $409,900 (19.3%) $410,052 (9.6%) 0.00 108
2023-08-01 $409,900 (22.1%) $430,981 (14.3%) 0.00 123
2023-09-01 $372,500 (10.4%) $421,858 (11.5%) 0.00 107
2023-10-01 $360,000 (1.1%) $419,855 (9.9%) 0.00 124
2023-11-01 $352,250 (-0.5%) $405,054 (6.2%) 0.00 148
2023-12-01 $367,250 (-0.2%) $426,715 (10.0%) 0.00 155
2024-01-01 $378,750 (-0.3%) $427,145 (6.1%) 0.00 141
2024-02-01 $376,500 (-8.5%) $418,631 (3.0%) 0.00 141
2024-03-01 $378,000 (-8.7%) $421,485 (1.2%) 0.00 155
2024-04-01 $372,475 (-9.2%) $418,556 (2.5%) 0.00 173
Starkville's median listing price for 2024-04-01 was $372,475, a difference of $-37,725 (-9.2%) versus the prior year and $-5,525 versus the prior month.

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

Starkville's average listing price for 2024-04-01 was $418,556, a difference of $10,208 (2.5%) versus the prior year and $-2,929 versus the prior month.

For the 2024-04-01 period, Starkville had 173 MLS listings, a difference of 18 listings (12%) versus the prior month and 75 listings (77%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Starkville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,789 sqft
2018-02-01 0 days 1,753 sqft
2018-03-01 0 days 1,795 sqft
2018-04-01 0 days 1,726 sqft
2018-05-01 0 days 1,677 sqft
2018-06-01 0 days 1,690 sqft
2018-07-01 0 days 1,732 sqft
2018-08-01 0 days 1,759 sqft
2018-09-01 0 days 1,733 sqft
2018-10-01 0 days 1,700 sqft
2018-11-01 0 days 1,689 sqft
2018-12-01 0 days 1,689 sqft
2019-01-01 0 days 1,668 sqft
2019-02-01 0 days 1,689 sqft
2019-03-01 0 days 1,689 sqft
2019-04-01 0 days 1,687 sqft
2019-05-01 0 days 1,631 sqft
2019-06-01 0 days 1,610 sqft
2019-07-01 0 days 1,708 sqft
2019-08-01 0 days 1,729 sqft
2019-09-01 0 days 1,741 sqft
2019-10-01 0 days 1,744 sqft
2019-11-01 0 days 1,736 sqft
2019-12-01 0 days 1,729 sqft
2020-01-01 0 days 1,735 sqft
2020-02-01 0 days 1,759 sqft
2020-03-01 0 days 1,759 sqft
2020-04-01 0 days 1,757 sqft
2020-05-01 0 days 1,710 sqft
2020-06-01 0 days 1,728 sqft
2020-07-01 0 days 1,734 sqft
2020-08-01 0 days 1,710 sqft
2020-09-01 0 days 1,649 sqft
2020-10-01 0 days 1,645 sqft
2020-11-01 0 days 1,583 sqft
2020-12-01 0 days 1,544 sqft
2021-01-01 0 days 1,517 sqft
2021-02-01 0 days 1,509 sqft
2021-03-01 0 days 1,495 sqft
2021-04-01 0 days 1,471 sqft
2021-05-01 0 days 1,425 sqft
2021-06-01 0 days 1,403 sqft
2021-07-01 0 days 1,388 sqft
2021-08-01 0 days 1,470 sqft
2021-09-01 0 days 1,508 sqft
2021-10-01 0 days 1,508 sqft
2021-11-01 0 days 1,653 sqft
2021-12-01 0 days 1,821 sqft
2022-01-01 0 days 1,877 sqft
2022-02-01 0 days 1,690 sqft
2022-03-01 0 days 2,069 sqft
2022-04-01 0 days 2,032 sqft
2022-05-01 0 days 1,992 sqft
2022-06-01 0 days 2,012 sqft
2022-07-01 0 days 2,156 sqft
2022-08-01 0 days 2,153 sqft
2022-09-01 0 days 2,148 sqft
2022-10-01 0 days 2,156 sqft
2022-11-01 0 days 2,110 sqft
2022-12-01 0 days 2,050 sqft
2023-01-01 0 days 2,110 sqft
2023-02-01 0 days 2,130 sqft
2023-03-01 0 days 2,178 sqft
2023-04-01 0 days 2,147 sqft
2023-05-01 0 days 1,888 sqft
2023-06-01 0 days 1,797 sqft
2023-07-01 0 days 1,932 sqft
2023-08-01 0 days 2,065 sqft
2023-09-01 0 days 2,001 sqft
2023-10-01 0 days 1,964 sqft
2023-11-01 0 days 1,811 sqft
2023-12-01 0 days 1,769 sqft
2024-01-01 0 days 1,774 sqft
2024-02-01 0 days 1,778 sqft
2024-03-01 0 days 1,769 sqft
2024-04-01 0 days 1,789 sqft
Starkville's median listing age (time on market) for 2024-04-01 was 0 days.

Starkville's median square footage for active listings during the 2024-04-01 period was 1,789 sqft. One year prior, the average listing was 2,147 sqft.

Starkville, MS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 501 $133,945,000 $267,355
Refi 104 $28,990,000 $278,750
Other 81 $6,955,000 $85,864
Home Improvement 53 $5,595,000 $105,566
Cash Out Refi 44 $7,330,000 $166,591

Starkville's most frequently cited loan purpose was Home Purchase, with 501 originations. The 2nd most popular reason was Refi, with 104 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 238 $62,130,000 $261,050
7-8% 175 $41,325,000 $236,143
Over 8% 164 $21,480,000 $130,976
5-6% 116 $32,400,000 $279,310
3-4% 28 $3,930,000 $140,357
4-5% 8 $1,570,000 $196,250
<2.5% 5 $325,000 $65,000

During 2023, Starkville's most frequently originated rate bucket was 6-7%, with 238 originations.

Loan Sizing (Starkville, MS MSA)

Loan Size Originations Total Value Average Loan
$200k-400k 284 $79,350,000 $279,401
$100k-200k 226 $33,690,000 $149,071
$100,000 or less 199 $10,575,000 $53,141
$400k-600k 53 $25,685,000 $484,623
$Over $1MM 11 $26,205,000 $2,382,273
$600k-1000k 10 $7,310,000 $731,000

Starkville's loan sizing saw the bucket of loans from $200k-400k with 284 originations, totaling $79,350,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 325 $84,655,000 $260,477
60-80% 165 $44,625,000 $270,455
Under 20% 94 $4,020,000 $42,766
40-60% 68 $17,790,000 $261,618
20-40% 64 $7,180,000 $112,188
Over 100% 13 $4,335,000 $333,462

Starkville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 325 originations, totaling $84,655,000 in origination value.