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 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.