Mortgage lending in Jackson, MS
12,413 mortgages were originated in the Jackson, MS area in 2025, and here is what they cost.
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
- 12,413
- Median rate
- 6.750%
- Median lender fees
- $5,197
- Median loan amount
- $165,000
- Median spread over APOR
- 0.285
- Paid discount points
- 26%
- Received lender credits
- 16.5%
- Purchases / refinances
- 54.2% / 28.7%
- Conventional / FHA / VA
- 73.7% / 17.9% / 7%
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 58.7% of loans here — see methodology.
Who lent here
Lenders with at least 50 loans in the Jackson, MS area, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Trustmark National Bank | 1,656 | $4,791 | 6.940% |
| Cadence Bank | 975 | $5,646 | 7.000% |
| Community Bank of Mississippi | 909 | $3,800 | 7.500% |
| BankPlus | 865 | $3,462 | 6.500% |
| Rocket Mortgage, LLC | 601 | $5,246 | 6.625% |
| Regions Bank | 554 | — | 4.990% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 532 | $5,985 | 6.625% |
| American Mortgage Bank, LLC | 466 | $7,617 | 6.250% |
| PriorityOne Bank | 356 | — | 7.125% |
| GUILD MORTGAGE COMPANY | 333 | $7,122 | 6.625% |