Mortgage lending in Jackson County
3,272 mortgages were originated in Jackson County, Mississippi, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 3,272
- Median rate
- 6.625%
- Median lender fees
- $5,652
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $175,000
- Above the going rate (spread over APOR)
- 0.288
- Paid discount points
- 34.2%
- Received lender credits
- 18.2%
- Purchases / refinances
- 58% / 26.6%
- Conventional / FHA / VA
- 60.1% / 19.4% / 17.1%
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 69.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $253,000
- That home, 20% down
- $202,400
A median-priced home with 20% down leaves $630,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Jackson County, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Keesler | 232 | $4,223 | 7.000% |
| CMG Mortgage, Inc. | 197 | $7,468 | 6.375% |
| Rocket Mortgage, LLC | 188 | $5,343 | 6.500% |
| Trustmark National Bank | 162 | $4,626 | 6.375% |
| Cadence Bank | 156 | $4,379 | 7.250% |
| Community Bank of Mississippi | 154 | — | 7.700% |
| Mortgage Solutions Of Colorado, LLC | 100 | $7,408 | 6.563% |
| Fairway Independent Mortgage Corporation | 97 | $7,846 | 6.625% |
| Mortgage Research Center, LLC | 90 | $3,546 | 6.250% |
| DHI Mortgage Company, Ltd. | 88 | $4,811 | 4.990% |
What lenders charged here
Lender fees on a $175,000 loan, based on what was actually charged in Jackson County — not a rule of thumb.
From 2,286 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers