Starkville 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 Starkville averaged 6.94% for the week of 2023-09-21, compared to the national average of 7.19% for the same period.

    The average rate for the prior week (2023-09-14) was 6.93% and one month ago for the week of 2023-08-17, the average rate was 7.04%.

    Starkville's average rate one year ago was 5.77%.

    For refis of the same type during the week of 2023-09-21, the average rate was 7.19%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-09-21 7.19%
    Starkville 30 Year Fixed Rate 2023-09-21 6.94%
    Starkville 30 Year Fixed Rate Refi 2023-09-21 7.19%
    Starkville 15 Year Fixed Rate 2023-09-21 6.54%
    Starkville 15 Year Fixed Rate Refi 2023-09-21 6.64%
    Starkville 30 Year FHA 2023-09-21 6.2%
    Starkville 30 Year FHA Refi 2023-09-21 7.14%
    Starkville 30 Year USDA 2023-09-21 7.02%
    Starkville 30 Year USDA Refi 2023-09-21 7.02%
    Starkville 30 Year VA 2023-09-21 6.92%
    Starkville 30 Year VA Refi 2023-09-21 6.82%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    BancorpSouth 102 4.99% $4,821
    Renasant Bank 53 4.96% $4,873
    Flagstar Bank, FSB 26 5.36% $6,379
    QUICKEN LOANS, LLC 24 5.12% $5,693
    Regions Bank 15 4.94% $3,567
    Trustmark National Bank 10 4.75% $4,331
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 7 5.78% $5,533
    AMERISAVE MORTGAGE CORPORATION 6 4.27% $8,823
    Wells Fargo Bank 6 4.83% $1,860
    Citizens Bank 5 4.90% $9,586
    BankFirst Financial Services 4 5.19% $7,391
    CB&S Bank, Inc. 3 4.29% $1,418
    UNITED WHOLESALE MORTGAGE, LLC 3 5.30% $5,464
    JPMorgan Chase Bank 3 4.29% $4,772
    FirstBank 3 4.46% $4,819
    Bank of England 3 5.58% $4,942
    MOVEMENT MORTGAGE, LLC 3 5.73% $9,907
    Community Bank of Mississippi 3 5.38% $6,357
    NAVY FEDERAL CREDIT UNION 2 5.75% $7,250
    Ally Bank 2 5.81% $5,536
    FIRST COMMUNITY MORTGAGE, INC. 2 5.31% $5,725
    First Horizon Bank 2 4.75% $3,816
    BankPlus 2 5.50% $3,862
    BROKER SOLUTIONS, INC. 2 6.25% $5,580
    GUARANTY HOME MORTGAGE CORPORATION 2 5.56% $5,925
    Mr. Cooper ( Nationstar Mortgage ) 2 4.88% $5,650
    Waterstone Mortgage Corporation 1 5.63% $11,718
    21ST MORTGAGE CORPORATION 1 6.05% $4,605
    Wyndham Capital Mortgage, Inc. 1 2.88% $5,722
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.75% $7,412
    ANGEL OAK HOME LOANS LLC 1 5.25% $3,384
    Arvest Bank 1 3.50% $5,346
    Assurance Financial Group, L.L.C. 1 5.62% $4,197
    Carrington Mortgage Services, LLC 1 4.88% $4,263
    CMG MORTGAGE, INC. 1 5.99% $7,691
    COMMUNITY MORTGAGE CORPORATION 1 6.38% $2,816
    CRESCENT MORTGAGE COMPANY 1 3.75% $4,967
    Financial Federal Bank 1 5.00% $2,879
    First South Farm Credit, ACA 1 5.55% $4,239
    GUARANTEED RATE, INC. 1 5.13% $4,182
    Ixonia Bank 1 5.13% $6,555
    KeyBank 1 4.88% $2,338
    Legends Bank 1 6.50% $3,874
    LOANDEPOT.COM, LLC 1 4.88% $5,370
    Mortgage Research Center, LLC 1 4.63% $4,274
    Northpointe Bank 1 3.38% $2,749
    OPEN MORTGAGE, LLC 1 7.13% $4,265
    Paramount Residential Mortgage Group, Inc. 1 5.00% $11,608
    Patriot Bank 1 4.63% $3,517
    SIRVA MORTGAGE, INC. 1 5.38% $0
    SOUTHWEST STAGE FUNDING, LLC 1 8.70% $10,382
    Stifel Bank and Trust 1 3.63% $2,920
    The Citizens National Bank of Meridian 1 5.63% $3,638
    Watermark Capital, Inc. 1 5.13% $4,934

    Starkville Average Closing Costs & Other Stats

    Starkville, MS's 54 lenders originated 1,020 loans during 2022. The total origination value was $225,290,000, with an average loan value of $220,873.

    Starkville's average closing costs are $4,610.

    The top Starkville lender as defined by loan originations is BancorpSouth, with 102 loans originated. Their average total fees are $4,821, which is $51 lower than the next largest lender, Renasant Bank.

    The lowest fee Starkville lenders (with over 10 loans originated) are Regions Bank ($3,567), Trustmark National Bank ($4,331), BancorpSouth ($4,821), Renasant Bank ($4,873) and QUICKEN LOANS, LLC ($5,693).

    The lowest rate Starkville lenders (with over 10 loans originated) are Trustmark National Bank (4.75%), Regions Bank (4.94%), Renasant Bank (4.96%), BancorpSouth (4.99%) and QUICKEN LOANS, LLC (5.12%).

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    BancorpSouth Bank $45,205,000 $44,385,000 -1.8% 19.7%
    Renasant Bank $41,390,000 $29,215,000 -29.4% 13.0%
    Trustmark National Bank $6,535,000 $21,405,000 227.5% 9.5%
    BankFirst Financial Services $40,055,000 $16,075,000 -59.9% 7.1%
    Flagstar Bank, FSB $15,230,000 $12,815,000 -15.9% 5.7%
    QUICKEN LOANS, LLC $20,365,000 $11,400,000 -44.0% 5.1%
    Regions Bank $11,835,000 $6,455,000 -45.5% 2.9%
    Arbor Realty Trust, Inc. $6,285,000 n/a 2.8%
    21ST MORTGAGE CORPORATION $3,260,000 $3,945,000 21.0% 1.8%
    Guaranty Bank and Trust Company $4,935,000 $3,825,000 -22.5% 1.7%
    Community Bank of Mississippi $4,310,000 $3,810,000 -11.6% 1.7%
    BankPlus $8,685,000 $3,805,000 -56.2% 1.7%
    Citizens Bank $4,370,000 $3,665,000 -16.1% 1.6%
    Mortgage Research Center, LLC $4,795,000 $3,090,000 -35.6% 1.4%
    The First, A National Banking Association $1,110,000 $2,975,000 168.0% 1.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $655,000 $2,560,000 290.8% 1.1%
    CB&S Bank, Inc. $1,430,000 $1,890,000 32.2% 0.8%
    USAA Federal Savings Bank $2,775,000 $1,810,000 -34.8% 0.8%
    FirstBank $1,660,000 $1,765,000 6.3% 0.8%
    Wells Fargo Bank $3,420,000 $1,705,000 -50.1% 0.8%
    FIRST COMMUNITY MORTGAGE, INC. $1,450,000 $1,695,000 16.9% 0.8%
    AMERISAVE MORTGAGE CORPORATION $1,600,000 $1,565,000 -2.2% 0.7%
    NAVY FEDERAL CREDIT UNION $1,125,000 $1,510,000 34.2% 0.7%
    JPMorgan Chase Bank $3,140,000 $1,465,000 -53.3% 0.7%
    MOVEMENT MORTGAGE, LLC $240,000 $1,335,000 456.3% 0.6%
    UNITED WHOLESALE MORTGAGE, LLC $1,120,000 $1,230,000 9.8% 0.5%
    STATEWIDE FEDERAL CREDIT UNION $1,190,000 $1,105,000 -7.1% 0.5%
    The Citizens National Bank of Meridian $4,170,000 $1,055,000 -74.7% 0.5%
    Bank of England $795,000 $1,015,000 27.7% 0.5%
    FREEDOM MORTGAGE CORPORATION $2,920,000 $975,000 -66.6% 0.4%
    FIDELITY BANK $970,000 $850,000 -12.4% 0.4%
    Ally Bank $605,000 $830,000 37.2% 0.4%
    BETTER MORTGAGE CORPORATION $1,710,000 $800,000 -53.2% 0.4%
    Planters Bank & Trust Company $4,735,000 $785,000 -83.4% 0.3%
    Magnolia Bank $1,215,000 $755,000 -37.9% 0.3%
    GUARANTY HOME MORTGAGE CORPORATION $2,340,000 $730,000 -68.8% 0.3%
    Sycamore Bank $155,000 $725,000 367.7% 0.3%
    Ohnward Bank & Trust $645,000 n/a 0.3%
    Paramount Residential Mortgage Group, Inc. $625,000 n/a 0.3%
    Assurance Financial Group, L.L.C. $165,000 $600,000 263.6% 0.3%
    First Security Bank $1,280,000 $580,000 -54.7% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $1,555,000 $570,000 -63.3% 0.3%
    SIRVA MORTGAGE, INC. $775,000 $565,000 -27.1% 0.3%
    TRIAD FINANCIAL SERVICES, INC. $955,000 $565,000 -40.8% 0.3%
    The Bank of Fayette County $335,000 $550,000 64.2% 0.2%
    LOANDEPOT.COM, LLC $3,520,000 $535,000 -84.8% 0.2%
    PENTAGON FEDERAL CREDIT UNION $535,000 n/a 0.2%
    CMG MORTGAGE, INC. $275,000 $530,000 92.7% 0.2%
    United Community Bank $520,000 n/a 0.2%
    First South Farm Credit, ACA $405,000 $505,000 24.7% 0.2%
    Commercial Bank & Trust Co. $495,000 n/a 0.2%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,175,000 $490,000 -58.3% 0.2%
    U.S. Bank $2,640,000 $490,000 -81.4% 0.2%
    Northpointe Bank $345,000 $480,000 39.1% 0.2%
    Watermark Capital, Inc. $455,000 n/a 0.2%
    Bank of Yazoo City $15,000 $450,000 2,900.0% 0.2%
    Copiah Bank $85,000 $445,000 423.5% 0.2%
    MORIA DEVELOPMENT, INC. $445,000 n/a 0.2%
    BROKER SOLUTIONS, INC. $915,000 $440,000 -51.9% 0.2%
    Wyndham Capital Mortgage, Inc. $205,000 $430,000 109.8% 0.2%
    The Citizens Bank of Philadelphia, Mississippi $780,000 $400,000 -48.7% 0.2%
    First Horizon Bank $1,165,000 $380,000 -67.4% 0.2%
    The Bank of Holly Springs $385,000 $380,000 -1.3% 0.2%
    Magnolia State Bank $540,000 $365,000 -32.4% 0.2%
    Carrington Mortgage Services, LLC $240,000 $335,000 39.6% 0.1%
    Eagle Bank and Trust Company $445,000 $335,000 -24.7% 0.1%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $335,000 n/a 0.1%
    First Commercial Bank $330,000 n/a 0.1%
    LIMA ONE CAPITAL, LLC $330,000 n/a 0.1%
    Vista Bank $325,000 n/a 0.1%
    Waterstone Mortgage Corporation $435,000 $325,000 -25.3% 0.1%
    Ixonia Bank $315,000 n/a 0.1%
    GUARANTEED RATE, INC. $355,000 $305,000 -14.1% 0.1%
    ANGEL OAK HOME LOANS LLC $500,000 $300,000 -40.0% 0.1%
    HOMESIDE FINANCIAL, LLC $265,000 $295,000 11.3% 0.1%
    CIS Financial Services, Inc. $280,000 n/a 0.1%
    TOWNE MORTGAGE COMPANY $405,000 $275,000 -32.1% 0.1%
    COMMUNITY MORTGAGE CORPORATION $245,000 $265,000 8.2% 0.1%
    Legends Bank $265,000 n/a 0.1%
    PLANET HOME LENDING, LLC $500,000 $265,000 -47.0% 0.1%
    North American Savings Bank, F.S.B. $105,000 $255,000 142.9% 0.1%
    DOMINION FINANCIAL SERVICES, LLC $250,000 n/a 0.1%
    CHEVRON $235,000 n/a 0.1%
    Patriot Bank $175,000 $235,000 34.3% 0.1%
    PENNYMAC LOAN SERVICES, LLC $1,230,000 $235,000 -80.9% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $660,000 $225,000 -65.9% 0.1%
    Bank of America $2,355,000 $220,000 -90.7% 0.1%
    Central State Bank $215,000 n/a 0.1%
    Arvest Bank $195,000 n/a 0.1%
    STOCKTON MORTGAGE CORPORATION $225,000 $195,000 -13.3% 0.1%
    CSL Financial, LLC $305,000 $190,000 -37.7% 0.1%
    Stifel Bank and Trust $360,000 $185,000 -48.6% 0.1%
    CHURCHILL MORTGAGE CORPORATION $1,190,000 $180,000 -84.9% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $175,000 n/a 0.1%
    KeyBank $175,000 n/a 0.1%
    FIRST COMMERCE CREDIT UNION $165,000 n/a 0.1%
    First Volunteer Bank $165,000 n/a 0.1%
    PNC Bank $165,000 $165,000 0.0% 0.1%
    ServisFirst Bank $155,000 n/a 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $705,000 $145,000 -79.4% 0.1%
    CRESCENT MORTGAGE COMPANY $245,000 $145,000 -40.8% 0.1%
    First Citizens National Bank $145,000 n/a 0.1%
    OPEN MORTGAGE, LLC $185,000 $145,000 -21.6% 0.1%
    The Peoples Bank, Biloxi, Mississippi $145,000 n/a 0.1%
    West Alabama Bank & Trust $145,000 n/a 0.1%
    Financial Federal Bank $135,000 n/a 0.1%
    EVERETT FINANCIAL, INC. $125,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $465,000 $125,000 -73.1% 0.1%
    THE MORTGAGE FIRM, INC. $125,000 n/a 0.1%
    PriorityOne Bank $575,000 $115,000 -80.0% 0.1%
    Figure Lending LLC $80,000 n/a 0.0%
    GUILD MORTGAGE COMPANY $75,000 n/a 0.0%
    Sunflower Bank $215,000 $75,000 -65.1% 0.0%
    Discover Bank $110,000 $45,000 -59.1% 0.0%
    AMERICAN ADVISORS GROUP $25,000 n/a 0.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $240,000 $25,000 -89.6% 0.0%

    Starkville's top lender by overall market share is BancorpSouth Bank, with 19.7% market share. In second place, with 13.0%, is Renasant Bank, having originated $29,215,000 in loans. In third place, with 9.5%, is Trustmark National Bank, having originated $21,405,000 in loans. In fourth place, with 7.1%, is BankFirst Financial Services, having originated $16,075,000 in loans. In fifth place, with 5.7%, is Flagstar Bank, FSB, having originated $12,815,000 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 $232,350 (-10.2%) $264,119 (-1.0%) 0.00 222
    2018-02-01 $233,000 (-9.7%) $263,482 (-1.9%) 0.00 214
    2018-03-01 $229,900 (-8.0%) $258,857 (-3.8%) 0.00 245
    2018-04-01 $225,000 (-13.4%) $254,533 (-5.9%) 0.00 280
    2018-05-01 $225,000 (-9.3%) $251,601 (-5.7%) 0.00 291
    2018-06-01 $225,000 (-12.5%) $251,727 (-6.7%) 0.00 281
    2018-07-01 $229,200 (-8.3%) $253,812 (-4.3%) 0.00 291
    2018-08-01 $224,925 (-7.2%) $256,088 (-0.3%) 0.00 285
    2018-09-01 $229,000 (-5.5%) $259,628 (-0.8%) 0.00 270
    2018-10-01 $232,000 (-2.1%) $256,506 (-2.8%) 0.00 285
    2018-11-01 $232,983 (-0.2%) $260,805 (-0.1%) 0.00 273
    2018-12-01 $237,400 (0.9%) $262,255 (-0.5%) 0.00 255
    2019-01-01 $239,900 (3.3%) $260,641 (-1.3%) 0.00 251
    2019-02-01 $241,450 (3.6%) $264,142 (0.3%) 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
    Starkville's median listing price for 2023-08-01 was $409,900, a difference of $74,300 (22.1%) versus the prior year and $0 versus the prior month.

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

    Starkville's average listing price for 2023-08-01 was $430,981, a difference of $53,916 (14.3%) versus the prior year and $20,929 versus the prior month.

    For the 2023-08-01 period, Starkville had 123 MLS listings, a difference of 15 listings (14%) versus the prior month and 31 listings (34%) 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 1,793 sqft
    2018-02-01 0 days 1,762 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
    Starkville's median listing age (time on market) for 2023-08-01 was 0 days.

    Starkville's median square footage for active listings during the 2023-08-01 period was 2,065 sqft. One year prior, the average listing was 2,153 sqft.

    Starkville, MS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 599 $160,355,000 $267,705
    Refi 174 $33,170,000 $190,632
    Other 99 $9,495,000 $95,909
    Cash Out Refi 99 $16,805,000 $169,747
    Home Improvement 49 $5,465,000 $111,531

    Starkville's most frequently cited loan purpose was Home Purchase, with 599 originations. The 2nd most popular reason was Refi, with 174 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    4-5% 246 $60,520,000 $246,016
    5-6% 237 $50,735,000 $214,072
    3-4% 229 $46,185,000 $201,681
    6-7% 105 $17,885,000 $170,333
    2.5-3% 58 $27,890,000 $480,862
    7-8% 48 $7,340,000 $152,917
    Over 8% 45 $4,785,000 $106,333
    <2.5% 20 $3,520,000 $176,000

    During 2022, Starkville's most frequently originated rate bucket was 4-5%, with 246 originations.

    Loan Sizing (Starkville, MS MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 375 $54,575,000 $145,533
    $200k-400k 332 $91,420,000 $275,361
    $100,000 or less 235 $13,705,000 $58,319
    $400k-600k 56 $27,010,000 $482,321
    $600k-1000k 18 $13,530,000 $751,667
    $Over $1MM 4 $25,050,000 $6,262,500

    Starkville's loan sizing saw the bucket of loans from $100k-200k with 375 originations, totaling $54,575,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 430 $103,150,000 $239,884
    60-80% 254 $80,710,000 $317,756
    Under 20% 105 $5,125,000 $48,810
    20-40% 100 $11,560,000 $115,600
    40-60% 83 $13,925,000 $167,771
    Over 100% 14 $4,200,000 $300,000

    Starkville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 430 originations, totaling $103,150,000 in origination value.