Mortgage lending in Hinds County
3,572 mortgages were originated in Hinds County, Mississippi, in 2025.
30-year fixed, this week
6.58%
Freddie Mac’s survey average for the week of July 23, 2026 — a year earlier it was 6.75%, and the past year ranged 5.98–6.72%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,572
- Median rate
- 6.875%
- Median lender fees
- $4,779
- Median loan amount
- $115,000
- Median spread over APOR
- 0.280
- Paid discount points
- 23.5%
- Received lender credits
- 15.4%
- Purchases / refinances
- 52.4% / 30.2%
- Conventional / FHA / VA
- 74.8% / 18.6% / 6%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 53.7% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Who lent here
Lenders with at least 50 loans in Hinds County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Trustmark National Bank | 495 | $4,897 | 7.000% |
| Cadence Bank | 294 | $5,651 | 6.795% |
| BankPlus | 264 | $3,268 | 6.450% |
| Community Bank of Mississippi | 239 | — | 7.500% |
| Regions Bank | 228 | — | 4.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 199 | $6,337 | 7.375% |
| Rocket Mortgage, LLC | 172 | $5,251 | 6.563% |
| American Mortgage Bank, LLC | 169 | $7,071 | 6.090% |
| BPL MORTGAGE TRUST, LLC | 108 | — | 7.500% |
| Renasant Bank | 79 | — | 6.745% |
What lenders charged here
Lender fees on a $115,000 loan, based on what was actually charged in Hinds County — not a rule of thumb.
From 1,919 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, escrow and taxes are extra and are not in these figures. Compare two offers