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2024 data HMDA 2024 disclosure official source

Jefferson Davis County

440 mortgage applications, 40.5% denial rate. Verify FIPS 28065 with U.S. Census Bureau →

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Mississippi · FIPS 28065

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.

FIPS 28065 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

440
Applications
114
Originated
40.5%
Denial Rate
25.9%
Approval Rate
$102,000
Avg Loan Amount
7.70%
Avg Interest Rate
$37K
Avg Applicant Income
2.8x
Loan-to-Income Ratio

Nearby Lenders in Jefferson Davis 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 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%
Compare Regions Bank vs PriorityOne Bank →

Frequently Asked Questions

How many mortgage applications were filed in Jefferson Davis County?
In the 2024 HMDA reporting year, 440 mortgage applications were filed in Jefferson Davis County, Mississippi. Of these, 114 were originated (approved and funded), while 178 were denied, resulting in a denial rate of 40.5%.
What is the mortgage denial rate in Jefferson Davis County?
The mortgage denial rate in Jefferson Davis County is 40.5%. The approval (origination) rate is 25.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Jefferson Davis County?
The average mortgage loan amount in Jefferson Davis County is $102,000. The average interest rate is 7.697%. The average applicant income is $37K.
What is the loan-to-income ratio in Jefferson Davis County?
The average loan-to-income ratio in Jefferson Davis County is 2.8x, meaning borrowers took on loans averaging 2.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Jefferson Davis County?
The top mortgage lenders in Jefferson Davis County by origination volume are Regions Bank, PriorityOne Bank, Citizens Bank. In total, 41 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.