Jefferson Davis County
Mississippi · FIPS 28065
According to CFPB HMDA 2024 application volume among U.S. counties, Jefferson Davis County ranks #2,107 of 3,210, and #56 of 82 in Mississippi.
Mortgage lending activity in Jefferson Davis County, Mississippi based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Jefferson Davis County, Mississippi saw 440 HMDA-reported mortgage applications in 2024. Lenders originated 114 of those loans and denied 178, producing a denial rate of 40.5% and an approval (origination) rate of 25.9%. The average loan amount was $102,000 at an average note rate of 7.70%, with applicants self-reporting average annual income of $37K. 41 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 2.8x, meaning typical borrowers took on mortgages of about 2.8 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Jefferson Davis County
In Jefferson Davis County, lead originator Regions Bank funded only 10.5% of 114 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.6% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Jefferson Davis County's 440 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Jefferson Davis County's $102,000 average loan (deduped against volume peers).
Lenders active in Jefferson Davis County
Regions Bank funded 12 of the 114 loans originated in Jefferson Davis County, 10.5% of the county. 41 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Regions Bank | 12 | 10.5% |
| 2 | PriorityOne Bank | 8 | 7.0% |
| 3 | Citizens Bank | 8 | 7.0% |
| 4 | Trustmark National Bank | 7 | 6.1% |
| 5 | Rocket Mortgage | 7 | 6.1% |
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; does not constitute financial advice for Jefferson Davis County borrowers.
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 Jefferson Davis County 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. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.