Mortgage lending in Jackson County
3,272 mortgages were originated in Jackson 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
- 3,272
- Median rate
- 6.625%
- Median lender fees
- $5,652
- Median loan amount
- $175,000
- Median 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
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 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, escrow and taxes are extra and are not in these figures. Compare two offers