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2024 data HMDA 2024 disclosure official source

Jasper County

551 mortgage applications, 32.7% denial rate. Verify FIPS 28061 with U.S. Census Bureau →

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Mississippi · FIPS 28061

Local mortgage market. Jasper County, Mississippi saw 551 HMDA-reported mortgage applications in 2024. Lenders originated 199 of those loans and denied 180, producing a denial rate of 32.7% and an approval (origination) rate of 36.1%. The average loan amount was $112,096 at an average note rate of 7.98%, with applicants self-reporting average annual income of $35K. 46 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.2x, meaning typical borrowers took on mortgages of about 3.2 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 28061 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

551
Applications
199
Originated
32.7%
Denial Rate
36.1%
Approval Rate
$112,096
Avg Loan Amount
7.98%
Avg Interest Rate
$35K
Avg Applicant Income
3.2x
Loan-to-Income Ratio

Nearby Lenders in Jasper County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Community Bank of Mississippi 41 20.6%
2 Magnolia State Bank 20 10.1%
3 21st Mortgage 19 9.5%
4 Trustmark National Bank 15 7.5%
5 Triad Financial Services, INC. 14 7.0%
Compare Community Bank of Mississippi vs Magnolia State Bank →

Frequently Asked Questions

How many mortgage applications were filed in Jasper County?
In the 2024 HMDA reporting year, 551 mortgage applications were filed in Jasper County, Mississippi. Of these, 199 were originated (approved and funded), while 180 were denied, resulting in a denial rate of 32.7%.
What is the mortgage denial rate in Jasper County?
The mortgage denial rate in Jasper County is 32.7%. The approval (origination) rate is 36.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Jasper County?
The average mortgage loan amount in Jasper County is $112,096. The average interest rate is 7.981%. The average applicant income is $35K.
What is the loan-to-income ratio in Jasper County?
The average loan-to-income ratio in Jasper County is 3.2x, meaning borrowers took on loans averaging 3.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Jasper County?
The top mortgage lenders in Jasper County by origination volume are Community Bank of Mississippi, Magnolia State Bank, 21st Mortgage. In total, 46 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.