Mortgage lending in Mississippi

54,718 mortgages were originated in Mississippi in 2025. Here is what they cost — including the lender fees that never show up in an advertised rate.

Loans originated

54,718

Median rate

6.750%

Median lender fees

$5,378

Median loan amount

$155,000

Median spread over APOR

0.332

Paid discount points

31.1%

Received lender credits

16.9%

Purchases / refinances

54.8% / 30%

Conventional / FHA / VA

69.4% / 17.5% / 10.8%

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 62.5% of loans here — see methodology.

Largest lenders in Mississippi

Ranked by loans originated. The fee column is where lenders differ most — it is the money they charged to make the loan, and it is not part of the interest rate.

Mississippi year by year

The same measures across every year of filings available. Rates follow the market; fees move for their own reasons.

Counties

39 counties had at least 300 loans in 2025. Smaller counties are left out rather than published from a handful of records.