Tupelo 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 Tupelo averaged 6.94% for the week of 2025-02-13, compared to the national average of 6.87% for the same period.

    The average rate for the prior week (2025-02-06) was 6.66% and one month ago for the week of 2025-01-09, the average rate was 6.9%.

    Tupelo's average rate one year ago was 6.41%.

    For refis of the same type during the week of 2025-02-13, the average rate was 7.33%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-02-13 6.87%
    Tupelo 30 Year Fixed Rate 2025-02-13 6.94%
    Tupelo 30 Year Fixed Rate Refi 2025-02-13 7.33%
    Tupelo 15 Year Fixed Rate 2025-02-13 6.19%
    Tupelo 15 Year Fixed Rate Refi 2025-02-13 6.59%
    Tupelo 30 Year FHA 2025-02-13 6.07%
    Tupelo 30 Year FHA Refi 2025-02-13 6.72%
    Tupelo 30 Year USDA 2025-02-13 6.34%
    Tupelo 30 Year USDA Refi 2025-02-13 6.73%
    Tupelo 30 Year VA 2025-02-13 6.69%
    Tupelo 30 Year VA Refi 2025-02-13 6.23%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Tupelo, MS.

    Tupelo 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 Tupelo, 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 106 6.57% $4,315
    Renasant Bank 83 6.82% $4,422
    QUICKEN LOANS, LLC 41 6.77% $6,362
    Flagstar Bank, FSB 38 6.63% $7,553
    MOVEMENT MORTGAGE, LLC 25 6.54% $5,097
    BankPlus 24 6.94% $3,101
    Trustmark National Bank 20 6.35% $6,601
    Community Bank of Mississippi 19 7.38% $3,074
    GMFS LLC 18 6.77% $4,170
    Regions Bank 15 6.73% $4,405
    STOCKTON MORTGAGE CORPORATION 13 6.98% $5,628
    FIRST COMMUNITY MORTGAGE, INC. 11 6.51% $4,146
    Wells Fargo Bank 7 5.80% $2,001
    Bank of England 7 7.05% $7,912
    Mortgage Research Center, LLC 6 6.52% $2,238
    CROSSCOUNTRY MORTGAGE, LLC 6 7.08% $7,131
    AMERISAVE MORTGAGE CORPORATION 6 6.56% $8,458
    CB&S Bank, Inc. 5 7.48% $1,719
    Stifel Bank and Trust 5 6.00% $2,776
    Mr. Cooper ( Nationstar Mortgage ) 4 6.90% $7,582
    Magnolia Bank 4 6.16% $4,256
    NAVY FEDERAL CREDIT UNION 4 7.03% $3,628
    Discover Bank 3 7.32% $0
    UNITED WHOLESALE MORTGAGE, LLC 3 7.12% $6,783
    USAA Federal Savings Bank 3 6.63% $4,288
    PENNYMAC LOAN SERVICES, LLC 3 7.04% $4,692
    GUARANTEED RATE, INC. 2 6.94% $3,981
    BROKER SOLUTIONS, INC. 2 6.50% $5,665
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.56% $4,129
    FBC MORTGAGE, LLC 2 7.25% $4,505
    CHURCHILL MORTGAGE CORPORATION 2 6.81% $4,736
    FirstBank 2 7.90% $3,808
    AmeriHome Mortgage Company, LLC 2 6.38% $4,680
    BMO Harris Bank 2 7.13% $4,239
    UNION HOME MORTGAGE CORP. 2 7.19% $4,904
    United Community Bank 2 7.92% $3,970
    GENEVA FINANCIAL, LLC 2 6.44% $14,473
    MORTGAGE INVESTORS GROUP, INC. 2 6.63% $6,459
    Hancock Whitney Bank 1 7.25% $6,997
    Ally Bank 1 6.13% $5,706
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.13% $3,734
    Bank Independent 1 6.25% $4,329
    CANOPY MORTGAGE, LLC 1 7.99% $5,967
    Citizens Bank 1 5.75% $7,326
    CMG MORTGAGE, INC. 1 6.75% $5,738
    COMMUNITY MORTGAGE CORPORATION 1 6.50% $3,737
    CORNERSTONE HOME LENDING, INC. 1 6.88% $3,969
    CREDIT UNION MORTGAGE ASSOCIATION, INC. 1 6.88% $3,644
    Eagle Bank and Trust Company 1 6.75% $1,984
    EVERETT FINANCIAL, INC. 1 7.25% $6,678
    Evolve Bank & Trust 1 6.38% $4,220
    FIDELITY BANK 1 6.00% $4,095
    First Community Bank 1 5.99% $3,120
    First Horizon Bank 1 7.63% $3,493
    FirstTrust Home Loans, Inc. 1 6.99% $7,625
    FORT FINANCIAL Federal Credit Union 1 7.13% $5,832
    21ST MORTGAGE CORPORATION 1 8.85% $4,455
    JPMorgan Chase Bank 1 7.13% $1,888
    Lakeview Community Capital, LLC 1 6.63% $5,849
    Listerhill Credit Union 1 7.25% $2,335
    Morgan Stanley Private Bank 1 5.80% $3,863
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 7.38% $4,589
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.00% $5,648
    Nations Lending Corporation 1 6.38% $821
    NEWREZ LLC 1 5.99% $7,483
    Northpointe Bank 1 6.50% $6,829
    Pinnacle Bank 1 6.63% $3,764
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.63% $5,640
    RIVERTRUST Federal Credit Union 1 6.50% $2,507
    ROYAL UNITED MORTGAGE LLC 1 7.00% $10,108
    SIRVA MORTGAGE, INC. 1 6.75% $0
    Truist 1 5.37% $4,154
    UNIFY FINANCIAL Credit Union 1 7.75% $1,564
    U.S. Bank 1 7.50% $3,162
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 7.25% $4,396
    ZILLOW HOME LOANS, LLC 1 6.88% $7,559

    Tupelo Average Closing Costs & Other Stats

    Tupelo, MS's 76 lenders originated 2,540 loans during 2023. The total origination value was $417,620,000, with an average loan value of $164,417.

    Tupelo's average closing costs are $4,705.

    The top Tupelo lender as defined by loan originations is BancorpSouth, with 106 loans originated. Their average total fees are $4,315, which is $107 lower than the next largest lender, Renasant Bank.

    The lowest fee Tupelo lenders (with over 10 loans originated) are Community Bank of Mississippi ($3,074), BankPlus ($3,101), FIRST COMMUNITY MORTGAGE, INC. ($4,146), GMFS LLC ($4,170) and BancorpSouth ($4,315).

    The lowest rate Tupelo lenders (with over 10 loans originated) are Trustmark National Bank (6.35%), FIRST COMMUNITY MORTGAGE, INC. (6.51%), MOVEMENT MORTGAGE, LLC (6.54%), BancorpSouth (6.57%) and Flagstar Bank, FSB (6.63%).

    Tupelo, 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 $94,260,000 $59,510,000 -36.9% 14.2%
    Renasant Bank $83,990,000 $55,105,000 -34.4% 13.2%
    Flagstar Bank, FSB $52,295,000 $32,225,000 -38.4% 7.7%
    BankPlus $40,365,000 $23,965,000 -40.6% 5.7%
    Community Bank of Mississippi $32,790,000 $21,085,000 -35.7% 5.0%
    QUICKEN LOANS, LLC $31,080,000 $20,730,000 -33.3% 5.0%
    Trustmark National Bank $21,315,000 $13,975,000 -34.4% 3.3%
    Mortgage Research Center, LLC $12,690,000 $13,630,000 7.4% 3.3%
    STOCKTON MORTGAGE CORPORATION $6,115,000 $12,970,000 112.1% 3.1%
    BERKELEY POINT CAPITAL LLC $11,540,000 n/a 2.8%
    CROSSCOUNTRY MORTGAGE, LLC $12,530,000 $10,930,000 -12.8% 2.6%
    WALKER & DUNLOP, LLC $10,925,000 n/a 2.6%
    BankFirst Financial Services $3,135,000 $9,155,000 192.0% 2.2%
    Regions Bank $12,385,000 $8,655,000 -30.1% 2.1%
    MOVEMENT MORTGAGE, LLC $22,165,000 $8,035,000 -63.7% 1.9%
    21ST MORTGAGE CORPORATION $5,905,000 $7,630,000 29.2% 1.8%
    GMFS LLC $14,025,000 $5,625,000 -59.9% 1.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $8,015,000 $5,490,000 -31.5% 1.3%
    Bank of England $8,055,000 $4,510,000 -44.0% 1.1%
    CB&S Bank, Inc. $4,700,000 $4,000,000 -14.9% 1.0%
    CIS Financial Services, Inc. $1,285,000 $3,755,000 192.2% 0.9%
    GENEVA FINANCIAL, LLC $280,000 $3,430,000 1,125.0% 0.8%
    USAA Federal Savings Bank $1,330,000 $3,310,000 148.9% 0.8%
    UNITED WHOLESALE MORTGAGE, LLC $3,425,000 $2,890,000 -15.6% 0.7%
    FIRST COMMUNITY MORTGAGE, INC. $4,045,000 $2,550,000 -37.0% 0.6%
    NAVY FEDERAL CREDIT UNION $3,825,000 $2,465,000 -35.6% 0.6%
    FREEDOM MORTGAGE CORPORATION $2,910,000 $2,360,000 -18.9% 0.6%
    TRIAD FINANCIAL SERVICES, INC. $4,555,000 $2,155,000 -52.7% 0.5%
    Magnolia Bank $975,000 $2,055,000 110.8% 0.5%
    CARDINAL FINANCIAL $2,795,000 $1,950,000 -30.2% 0.5%
    PENNYMAC LOAN SERVICES, LLC $1,615,000 $1,905,000 18.0% 0.5%
    AMERISAVE MORTGAGE CORPORATION $3,335,000 $1,870,000 -43.9% 0.4%
    Wells Fargo Bank $3,565,000 $1,695,000 -52.5% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $4,245,000 $1,685,000 -60.3% 0.4%
    BROKER SOLUTIONS, INC. $1,180,000 $1,645,000 39.4% 0.4%
    LOANDEPOT.COM, LLC $5,680,000 $1,265,000 -77.7% 0.3%
    Nations Lending Corporation $470,000 $1,265,000 169.1% 0.3%
    FirstBank $1,190,000 $1,260,000 5.9% 0.3%
    MORTGAGE INVESTORS GROUP, INC. $1,460,000 $1,205,000 -17.5% 0.3%
    GUARANTEED RATE, INC. $805,000 $1,185,000 47.2% 0.3%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,625,000 $1,115,000 -31.4% 0.3%
    Stifel Bank and Trust $725,000 $1,105,000 52.4% 0.3%
    AMERICAN FINANCIAL RESOURCES, INC. $530,000 $970,000 83.0% 0.2%
    Discover Bank $480,000 $925,000 92.7% 0.2%
    CHURCHILL MORTGAGE CORPORATION $825,000 $900,000 9.1% 0.2%
    Paragon Bank $860,000 n/a 0.2%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $1,935,000 $850,000 -56.1% 0.2%
    The Bank of Holly Springs $990,000 $810,000 -18.2% 0.2%
    SOUTHWEST STAGE FUNDING, LLC $1,495,000 $805,000 -46.2% 0.2%
    Ixonia Bank $4,040,000 $785,000 -80.6% 0.2%
    NEW DAY FINANCIAL, LLC $1,745,000 $785,000 -55.0% 0.2%
    Bank Independent $145,000 $715,000 393.1% 0.2%
    SUPERIOR CHOICE $700,000 n/a 0.2%
    First South Farm Credit, ACA $685,000 n/a 0.2%
    CREDIT UNION MORTGAGE ASSOCIATION, INC. $55,000 $605,000 1,000.0% 0.1%
    Guaranty Bank and Trust Company $105,000 $605,000 476.2% 0.1%
    United Community Bank $2,180,000 $600,000 -72.5% 0.1%
    Citizens Bank $1,660,000 $595,000 -64.2% 0.1%
    CSL Financial, LLC $830,000 $565,000 -31.9% 0.1%
    ROYAL UNITED MORTGAGE LLC $965,000 $565,000 -41.5% 0.1%
    GUILD MORTGAGE COMPANY $105,000 $540,000 414.3% 0.1%
    EVERETT FINANCIAL, INC. $535,000 n/a 0.1%
    A&D Mortgage LLC $500,000 n/a 0.1%
    AMCAP MORTGAGE, LTD. $485,000 n/a 0.1%
    FBC MORTGAGE, LLC $75,000 $485,000 546.7% 0.1%
    UNIFY FINANCIAL Credit Union $1,275,000 $485,000 -62.0% 0.1%
    Figure Lending LLC $615,000 $460,000 -25.2% 0.1%
    LIMA ONE CAPITAL, LLC $295,000 $460,000 55.9% 0.1%
    CMG MORTGAGE, INC. $290,000 $440,000 51.7% 0.1%
    BMO Harris Bank $400,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $320,000 $390,000 21.9% 0.1%
    Morgan Stanley Private Bank $385,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $430,000 $380,000 -11.6% 0.1%
    CANOPY MORTGAGE, LLC $370,000 n/a 0.1%
    NEWREZ LLC $840,000 $360,000 -57.1% 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $330,000 $355,000 7.6% 0.1%
    COMMUNITY MORTGAGE CORPORATION $1,065,000 $355,000 -66.7% 0.1%
    JPMorgan Chase Bank $2,330,000 $350,000 -85.0% 0.1%
    Carrington Mortgage Services, LLC $380,000 $345,000 -9.2% 0.1%
    Colonial Savings, F.A. $345,000 n/a 0.1%
    Truist $490,000 $330,000 -32.7% 0.1%
    SPRING EQ, LLC $125,000 $325,000 160.0% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $460,000 $320,000 -30.4% 0.1%
    South State Bank $600,000 $320,000 -46.7% 0.1%
    FirstTrust Home Loans, Inc. $315,000 n/a 0.1%
    AmeriHome Mortgage Company, LLC $355,000 $300,000 -15.5% 0.1%
    Pinnacle Bank $450,000 $285,000 -36.7% 0.1%
    Northpointe Bank $135,000 $265,000 96.3% 0.1%
    ZILLOW HOME LOANS, LLC $105,000 $265,000 152.4% 0.1%
    EMBRACE HOME LOANS, INC. $410,000 $255,000 -37.8% 0.1%
    FIDELITY BANK $255,000 n/a 0.1%
    U.S. Bank $200,000 $255,000 27.5% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $710,000 $240,000 -66.2% 0.1%
    Paramount Residential Mortgage Group, Inc. $235,000 n/a 0.1%
    Peoples Bank $235,000 n/a 0.1%
    UNION HOME MORTGAGE CORP. $305,000 $230,000 -24.6% 0.1%
    Merchants & Planters Bank $215,000 n/a 0.1%
    The First, A National Banking Association $215,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $210,000 n/a 0.1%
    First Commercial Bank $355,000 $205,000 -42.3% 0.0%
    Hancock Whitney Bank $205,000 n/a 0.0%
    LIBERTY HOME MORTGAGE CORPORATION $105,000 $205,000 95.2% 0.0%
    Mid-Continent Funding, Inc. $175,000 $205,000 17.1% 0.0%
    SIRVA MORTGAGE, INC. $620,000 $205,000 -66.9% 0.0%
    Listerhill Credit Union $200,000 n/a 0.0%
    1ST SIGNATURE LENDING, LLC $195,000 n/a 0.0%
    Ally Bank $445,000 $195,000 -56.2% 0.0%
    FINANCE OF AMERICA REVERSE LLC $65,000 $195,000 200.0% 0.0%
    KEESLER $165,000 $195,000 18.2% 0.0%
    TOTAL MORTGAGE SERVICES, LLC $185,000 n/a 0.0%
    Bank of America $45,000 $175,000 288.9% 0.0%
    BETTER MORTGAGE CORPORATION $1,085,000 $175,000 -83.9% 0.0%
    First Horizon Bank $310,000 $175,000 -43.5% 0.0%
    HOMESIDE FINANCIAL, LLC $175,000 n/a 0.0%
    PLAZA HOME MORTGAGE, INC. $175,000 n/a 0.0%
    Coastal Community Bank $170,000 n/a 0.0%
    QUORUM FEDERAL CREDIT UNION $170,000 n/a 0.0%
    First Security Bank $105,000 $165,000 57.1% 0.0%
    FORT FINANCIAL Federal Credit Union $305,000 $165,000 -45.9% 0.0%
    Equity Prime Mortgage LLC $155,000 n/a 0.0%
    PLANET HOME LENDING, LLC $440,000 $155,000 -64.8% 0.0%
    The Citizens National Bank of Meridian $645,000 $155,000 -76.0% 0.0%
    M&T Bank $525,000 $145,000 -72.4% 0.0%
    First Community Bank $125,000 n/a 0.0%
    OPEN MORTGAGE, LLC $125,000 n/a 0.0%
    SUN WEST MORTGAGE COMPANY, INC. $115,000 n/a 0.0%
    CITIZENS EQUITY FIRST $85,000 $105,000 23.5% 0.0%
    Commercial Bank & Trust Co. $105,000 n/a 0.0%
    Eagle Bank and Trust Company $255,000 $105,000 -58.8% 0.0%
    Lakeview Community Capital, LLC $105,000 n/a 0.0%
    LAKEVIEW LOAN SERVICING, LLC $950,000 $105,000 -88.9% 0.0%
    PriorityOne Bank $240,000 $105,000 -56.3% 0.0%
    RUOFF MORTGAGE COMPANY, INC. $105,000 n/a 0.0%
    Plains Commerce Bank $135,000 $95,000 -29.6% 0.0%
    CORNERSTONE HOME LENDING, INC. $85,000 n/a 0.0%
    The Bank of Fayette County $85,000 n/a 0.0%
    First Eagle Federal Credi Union $75,000 n/a 0.0%
    RIVERTRUST Federal Credit Union $75,000 n/a 0.0%
    Evolve Bank & Trust $525,000 $65,000 -87.6% 0.0%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $45,000 n/a 0.0%

    Tupelo's top lender by overall market share is BancorpSouth, with 14.2% market share. In second place, with 13.2%, is Renasant Bank, having originated $55,105,000 in loans. In third place, with 7.7%, is Flagstar Bank, FSB, having originated $32,225,000 in loans. In fourth place, with 5.7%, is BankPlus, having originated $23,965,000 in loans. In fifth place, with 5.0%, is Community Bank of Mississippi, having originated $21,085,000 in loans.

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

    Realtor.com - Tupelo (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 $174,350 (14.0%) $208,792 (4.8%) 0.61 489
    2018-02-01 $175,000 (16.7%) $212,990 (6.0%) 0.63 490
    2018-03-01 $174,900 (12.9%) $209,931 (2.4%) 0.61 506
    2018-04-01 $177,000 (7.3%) $211,675 (0.2%) 0.60 545
    2018-05-01 $178,788 (8.4%) $213,331 (2.8%) 0.60 543
    2018-06-01 $174,950 (6.0%) $213,055 (0.9%) 0.58 551
    2018-07-01 $176,625 (7.1%) $217,140 (1.7%) 0.60 558
    2018-08-01 $178,050 (11.4%) $219,110 (5.2%) 0.60 551
    2018-09-01 $176,000 (10.1%) $227,407 (13.0%) 0.60 531
    2018-10-01 $174,950 (8.7%) $227,227 (13.2%) 0.59 493
    2018-11-01 $174,950 (3.6%) $227,080 (10.0%) 0.59 475
    2018-12-01 $174,950 (3.0%) $226,504 (9.8%) 0.60 443
    2019-01-01 $173,325 (-0.6%) $227,355 (8.9%) 0.60 435
    2019-02-01 $175,975 (0.6%) $230,439 (8.2%) 0.60 436
    2019-03-01 $188,357 (7.7%) $240,445 (14.5%) 0.62 441
    2019-04-01 $199,900 (12.9%) $248,179 (17.3%) 0.64 446
    2019-05-01 $199,800 (11.8%) $243,223 (14.0%) 0.64 461
    2019-06-01 $197,500 (12.9%) $248,708 (16.7%) 0.62 455
    2019-07-01 $197,225 (11.7%) $247,364 (13.9%) 0.62 467
    2019-08-01 $196,727 (10.5%) $243,901 (11.3%) 0.62 458
    2019-09-01 $195,193 (10.9%) $238,720 (5.0%) 0.62 450
    2019-10-01 $194,620 (11.2%) $236,611 (4.1%) 0.61 438
    2019-11-01 $189,900 (8.6%) $233,022 (2.6%) 0.62 418
    2019-12-01 $188,925 (8.0%) $229,478 (1.3%) 0.62 399
    2020-01-01 $185,000 (6.7%) $228,873 (0.7%) 0.61 386
    2020-02-01 $184,000 (4.6%) $227,193 (-1.4%) 0.60 400
    2020-03-01 $185,000 (-1.8%) $235,361 (-2.1%) 0.59 389
    2020-04-01 $190,025 (-4.9%) $242,979 (-2.1%) 0.60 377
    2020-05-01 $189,900 (-5.0%) $246,891 (1.5%) 0.58 348
    2020-06-01 $199,575 (1.1%) $261,494 (5.1%) 0.59 315
    2020-07-01 $217,225 (10.1%) $271,331 (9.7%) 0.62 298
    2020-08-01 $210,500 (7.0%) $265,576 (8.9%) 0.61 281
    2020-09-01 $197,950 (1.4%) $264,759 (10.9%) 0.60 266
    2020-10-01 $209,900 (7.9%) $269,090 (13.7%) 0.62 251
    2020-11-01 $218,000 (14.8%) $276,589 (18.7%) 0.64 243
    2020-12-01 $219,000 (15.9%) $282,043 (22.9%) 0.65 239
    2021-01-01 $212,450 (14.8%) $277,647 (21.3%) 0.63 216
    2021-02-01 $205,975 (11.9%) $266,831 (17.5%) 0.61 199
    2021-03-01 $227,250 (22.8%) $270,625 (15.0%) 0.64 188
    2021-04-01 $224,950 (18.4%) $275,251 (13.3%) 0.60 161
    2021-05-01 $199,900 (5.3%) $269,264 (9.1%) 0.53 169
    2021-06-01 $223,450 (12.0%) $286,152 (9.4%) 0.59 188
    2021-07-01 $219,900 (1.2%) $281,229 (3.7%) 0.58 201
    2021-08-01 $219,900 (4.5%) $294,911 (11.1%) 0.59 207
    2021-09-01 $219,900 (11.1%) $297,826 (12.5%) 0.61 207
    2021-10-01 $232,000 (10.5%) $304,798 (13.3%) 0.62 231
    2021-11-01 $243,363 (11.6%) $312,096 (12.8%) 0.64 216
    2021-12-01 $244,663 (11.7%) $303,344 (7.6%) 0.65 206
    2022-01-01 $240,000 (13.0%) $288,893 (4.1%) 0.64 180
    2022-02-01 $234,450 (13.8%) $287,557 (7.8%) 0.62 154
    2022-03-01 $241,200 (6.1%) $288,379 (6.6%) 0.61 153
    2022-04-01 $240,000 (6.7%) $285,622 (3.8%) 0.60 153
    2022-05-01 $237,425 (18.8%) $287,083 (6.6%) 0.55 182
    2022-06-01 $243,450 (9.0%) $282,505 (-1.3%) 0.56 211
    2022-07-01 $249,900 (13.6%) $289,665 (3.0%) 0.56 239
    2022-08-01 $259,900 (18.2%) $300,045 (1.7%) 0.58 270
    2022-09-01 $250,975 (14.1%) $294,839 (-1.0%) 0.58 290
    2022-10-01 $256,000 (10.3%) $295,977 (-2.9%) 0.59 309
    2022-11-01 $250,000 (2.7%) $291,661 (-6.6%) 0.60 308
    2022-12-01 $249,450 (2.0%) $291,434 (-3.9%) 0.62 284
    2023-01-01 $257,000 (7.1%) $296,437 (2.6%) 0.64 246
    2023-02-01 $260,450 (11.1%) $305,758 (6.3%) 0.63 223
    2023-03-01 $263,750 (9.4%) $306,552 (6.3%) 0.62 220
    2023-04-01 $262,250 (9.3%) $307,721 (7.7%) 0.60 230
    2023-05-01 $274,950 (15.8%) $318,687 (11.0%) 0.62 234
    2023-06-01 $272,625 (12.0%) $326,031 (15.4%) 0.61 246
    2023-07-01 $267,450 (7.0%) $317,324 (9.6%) 0.62 242
    2023-08-01 $259,950 (0.0%) $319,126 (6.4%) 0.60 262
    2023-09-01 $255,950 (2.0%) $303,881 (3.1%) 0.59 284
    2023-10-01 $249,600 (-2.5%) $298,598 (0.9%) 0.59 302
    2023-11-01 $252,475 (1.0%) $305,055 (4.6%) 0.60 322
    2023-12-01 $250,000 (0.2%) $308,204 (5.8%) 0.61 320
    2024-01-01 $257,250 (0.1%) $311,934 (5.2%) 0.63 297
    2024-02-01 $262,500 (0.8%) $313,222 (2.4%) 0.63 285
    2024-03-01 $265,000 (0.5%) $316,781 (3.3%) 0.62 287
    2024-04-01 $279,950 (6.8%) $327,184 (6.3%) 0.65 268
    2024-05-01 $275,850 (0.3%) $322,904 (1.3%) 0.64 295
    2024-06-01 $274,900 (0.8%) $312,065 (-4.3%) 0.62 285
    2024-07-01 $265,200 (-0.8%) $311,995 (-1.7%) 0.61 285
    2024-08-01 $255,950 (-1.5%) $298,124 (-6.6%) 0.60 311
    2024-09-01 $264,000 (3.2%) $301,508 (-0.8%) 0.62 335
    2024-10-01 $265,375 (6.3%) $316,678 (6.1%) 0.63 343
    2024-11-01 $263,750 (4.5%) $319,391 (4.7%) 0.64 361
    2024-12-01 $262,500 (5.0%) $311,287 (1.0%) 0.67 353
    2025-01-01 $267,000 (3.8%) $314,090 (0.7%) 0.00 333
    Tupelo's median listing price for 2025-01-01 was $267,000, a difference of $9,750 (3.8%) versus the prior year and $4,500 versus the prior month.

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

    Tupelo's average listing price for 2025-01-01 was $314,090, a difference of $2,156 (0.7%) versus the prior year and $2,803 versus the prior month.

    For the 2025-01-01 period, Tupelo had 333 MLS listings, a difference of -20 listings (-6%) versus the prior month and 36 listings (12%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Tupelo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 92 days 2,047 sqft
    2018-02-01 86 days 2,074 sqft
    2018-03-01 68 days 2,044 sqft
    2018-04-01 68 days 2,099 sqft
    2018-05-01 72 days 2,104 sqft
    2018-06-01 74 days 2,047 sqft
    2018-07-01 80 days 2,100 sqft
    2018-08-01 81 days 2,104 sqft
    2018-09-01 81 days 2,100 sqft
    2018-10-01 88 days 2,093 sqft
    2018-11-01 87 days 2,104 sqft
    2018-12-01 95 days 2,094 sqft
    2019-01-01 100 days 2,144 sqft
    2019-02-01 86 days 2,147 sqft
    2019-03-01 76 days 2,176 sqft
    2019-04-01 72 days 2,217 sqft
    2019-05-01 66 days 2,204 sqft
    2019-06-01 68 days 2,204 sqft
    2019-07-01 77 days 2,203 sqft
    2019-08-01 76 days 2,195 sqft
    2019-09-01 71 days 2,181 sqft
    2019-10-01 71 days 2,172 sqft
    2019-11-01 81 days 2,163 sqft
    2019-12-01 90 days 2,122 sqft
    2020-01-01 100 days 2,080 sqft
    2020-02-01 93 days 2,050 sqft
    2020-03-01 85 days 2,067 sqft
    2020-04-01 85 days 2,091 sqft
    2020-05-01 92 days 2,157 sqft
    2020-06-01 90 days 2,204 sqft
    2020-07-01 86 days 2,255 sqft
    2020-08-01 68 days 2,179 sqft
    2020-09-01 60 days 2,173 sqft
    2020-10-01 66 days 2,222 sqft
    2020-11-01 65 days 2,296 sqft
    2020-12-01 72 days 2,292 sqft
    2021-01-01 83 days 2,270 sqft
    2021-02-01 75 days 2,148 sqft
    2021-03-01 52 days 2,149 sqft
    2021-04-01 46 days 2,145 sqft
    2021-05-01 43 days 2,094 sqft
    2021-06-01 37 days 2,140 sqft
    2021-07-01 45 days 2,135 sqft
    2021-08-01 46 days 2,145 sqft
    2021-09-01 55 days 2,136 sqft
    2021-10-01 61 days 2,145 sqft
    2021-11-01 59 days 2,143 sqft
    2021-12-01 71 days 2,145 sqft
    2022-01-01 80 days 2,145 sqft
    2022-02-01 70 days 2,145 sqft
    2022-03-01 46 days 2,117 sqft
    2022-04-01 39 days 2,122 sqft
    2022-05-01 41 days 2,056 sqft
    2022-06-01 40 days 2,055 sqft
    2022-07-01 41 days 2,100 sqft
    2022-08-01 49 days 2,115 sqft
    2022-09-01 55 days 2,102 sqft
    2022-10-01 66 days 2,145 sqft
    2022-11-01 77 days 2,159 sqft
    2022-12-01 87 days 2,111 sqft
    2023-01-01 85 days 2,146 sqft
    2023-02-01 78 days 2,090 sqft
    2023-03-01 67 days 2,156 sqft
    2023-04-01 60 days 2,142 sqft
    2023-05-01 52 days 2,203 sqft
    2023-06-01 47 days 2,173 sqft
    2023-07-01 53 days 2,052 sqft
    2023-08-01 58 days 2,083 sqft
    2023-09-01 60 days 2,045 sqft
    2023-10-01 59 days 2,001 sqft
    2023-11-01 53 days 1,977 sqft
    2023-12-01 65 days 1,980 sqft
    2024-01-01 77 days 2,003 sqft
    2024-02-01 89 days 2,034 sqft
    2024-03-01 68 days 2,062 sqft
    2024-04-01 61 days 2,210 sqft
    2024-05-01 53 days 2,152 sqft
    2024-06-01 57 days 2,096 sqft
    2024-07-01 60 days 2,060 sqft
    2024-08-01 59 days 1,982 sqft
    2024-09-01 60 days 1,989 sqft
    2024-10-01 64 days 1,992 sqft
    2024-11-01 67 days 2,000 sqft
    2024-12-01 73 days 1,989 sqft
    2025-01-01 0 days 1,988 sqft
    Tupelo's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Tupelo's median square footage for active listings during the 2025-01-01 period was 1,988 sqft. One year prior, the average listing was 2,003 sqft.

    Tupelo, MS Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,370 $273,200,000 $199,416
    Refi 510 $71,690,000 $140,569
    Other 272 $19,350,000 $71,140
    Cash Out Refi 232 $44,660,000 $192,500
    Home Improvement 156 $8,720,000 $55,897

    Tupelo's most frequently cited loan purpose was Home Purchase, with 1,370 originations. The 2nd most popular reason was Refi, with 510 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 778 $150,810,000 $193,843
    Over 8% 647 $60,245,000 $93,114
    7-8% 645 $98,365,000 $152,504
    5-6% 332 $94,570,000 $284,849
    <2.5% 48 $3,080,000 $64,167
    4-5% 45 $5,515,000 $122,556
    3-4% 11 $1,025,000 $93,182
    2.5-3% 2 $70,000 $35,000

    During 2023, Tupelo's most frequently originated rate bucket was 6-7%, with 778 originations.

    Loan Sizing (Tupelo, MS MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 958 $50,420,000 $52,630
    $100k-200k 907 $130,835,000 $144,250
    $200k-400k 567 $149,625,000 $263,889
    $400k-600k 69 $32,645,000 $473,116
    $600k-1000k 26 $18,080,000 $695,385
    $Over $1MM 13 $36,015,000 $2,770,385

    Tupelo's loan sizing saw the bucket of loans from $100,000 or less with 958 originations, totaling $50,420,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 1,092 $227,270,000 $208,123
    60-80% 462 $93,960,000 $203,377
    Under 20% 364 $12,970,000 $35,632
    20-40% 338 $26,850,000 $79,438
    40-60% 203 $41,825,000 $206,034
    Over 100% 42 $9,920,000 $236,190

    Tupelo's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,092 originations, totaling $227,270,000 in origination value.