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 6.45% for the week of 2024-11-07, compared to the national average of 6.79% for the same period.

    The average rate for the prior week (2024-10-31) was 6.68% and one month ago for the week of 2024-10-03, the average rate was 6.18%.

    Starkville's average rate one year ago was 7.72%.

    For refis of the same type during the week of 2024-11-07, the average rate was 6.89%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-11-07 6.79%
    Starkville 30 Year Fixed Rate 2024-11-07 6.45%
    Starkville 30 Year Fixed Rate Refi 2024-11-07 6.89%
    Starkville 15 Year Fixed Rate 2024-11-07 5.8%
    Starkville 15 Year Fixed Rate Refi 2024-11-07 6%
    Starkville 30 Year FHA 2024-11-07 6.15%
    Starkville 30 Year FHA Refi 2024-11-07 6.53%
    Starkville 30 Year USDA 2024-11-07 6.68%
    Starkville 30 Year USDA Refi 2024-11-07 6.38%
    Starkville 30 Year VA 2024-11-07 6.54%
    Starkville 30 Year VA Refi 2024-11-07 6.14%
    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
    2024-05-01 $375,000 (-8.0%) $420,166 (1.7%) 0.00 182
    2024-06-01 $380,000 (-3.7%) $419,348 (4.4%) 0.00 195
    2024-07-01 $351,250 (-14.3%) $404,915 (-1.3%) 0.00 216
    2024-08-01 $349,999 (-14.6%) $394,143 (-8.6%) 0.00 212
    2024-09-01 $346,224 (-7.1%) $388,800 (-7.8%) 0.00 221
    2024-10-01 $350,000 (-2.8%) $399,796 (-4.8%) 0.00 214
    Starkville's median listing price for 2024-10-01 was $350,000, a difference of $-10,000 (-2.8%) versus the prior year and $3,776 versus the prior month.

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

    Starkville's average listing price for 2024-10-01 was $399,796, a difference of $-20,059 (-4.8%) versus the prior year and $10,996 versus the prior month.

    For the 2024-10-01 period, Starkville had 214 MLS listings, a difference of -7 listings (-3%) versus the prior month and 90 listings (73%) 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
    2024-05-01 0 days 1,814 sqft
    2024-06-01 0 days 1,800 sqft
    2024-07-01 0 days 1,715 sqft
    2024-08-01 0 days 1,684 sqft
    2024-09-01 0 days 1,656 sqft
    2024-10-01 0 days 1,667 sqft
    Starkville's median listing age (time on market) for 2024-10-01 was 0 days.

    Starkville's median square footage for active listings during the 2024-10-01 period was 1,667 sqft. One year prior, the average listing was 1,964 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.