Mortgage lending in Rankin County
4,363 mortgages were originated in Rankin 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
- 4,363
- Median rate
- 6.625%
- Median lender fees
- $5,620
- Median loan amount
- $185,000
- Median spread over APOR
- 0.256
- Paid discount points
- 28.6%
- Received lender credits
- 17.8%
- Purchases / refinances
- 56.2% / 26.8%
- Conventional / FHA / VA
- 68.2% / 20.6% / 9%
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 63.8% 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 Rankin County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Trustmark National Bank | 656 | $4,744 | 6.750% |
| Community Bank of Mississippi | 412 | $4,172 | 6.875% |
| Cadence Bank | 395 | $6,136 | 7.000% |
| Rocket Mortgage, LLC | 228 | $5,115 | 6.500% |
| BankPlus | 201 | $3,102 | 6.375% |
| Regions Bank | 168 | — | 4.990% |
| American Mortgage Bank, LLC | 164 | $8,225 | 6.250% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 155 | $5,835 | 6.125% |
| GUILD MORTGAGE COMPANY | 142 | $7,200 | 6.625% |
| PriorityOne Bank | 130 | — | 7.125% |
What lenders charged here
Lender fees on a $185,000 loan, based on what was actually charged in Rankin County — not a rule of thumb.
From 2,784 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