JACKSON Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Jackson averaged 5.21% for the week of 2022-05-19, compared to the national average of 5.25% for the same period.

The average rate for the prior week (2022-05-12) was 5.36% and one month ago for the week of 2022-04-14, the average rate was 5.16%.

Jackson's average rate one year ago was 3.27%.

For refis of the same type during the week of 2022-05-19, the average rate was 5.55%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-05-19 5.25%
Jackson 30 Year Fixed Rate 2022-05-19 5.21%
Jackson 30 Year Fixed Rate Refi 2022-05-19 5.55%
Jackson 15 Year Fixed Rate 2022-05-19 5.18%
Jackson 15 Year Fixed Rate Refi 2022-05-19 4.66%
Jackson 30 Year FHA 2022-05-19 5.09%
Jackson 30 Year FHA Refi 2022-05-19 5.36%
Jackson 30 Year USDA 2022-05-19 5.29%
Jackson 30 Year USDA Refi 2022-05-19 5.27%
Jackson 30 Year VA 2022-05-19 5.43%
Jackson 30 Year VA Refi 2022-05-19 5.2%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within JACKSON, MS.

JACKSON Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the JACKSON, MS market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Trustmark National Bank 873 3.15% $3,152
QUICKEN LOANS, LLC 545 3.10% $5,071
BankPlus 529 2.97% $2,674
BancorpSouth Bank 501 3.20% $3,331
First Horizon Bank 320 3.06% $3,291
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 265 3.08% $3,405
Community Bank of Mississippi 259 3.16% $3,244
Renasant Bank 228 3.21% $3,578
Regions Bank 166 3.26% $3,545
MORTGAGE INVESTORS GROUP, INC. 135 3.10% $3,275
Wells Fargo Bank 126 3.25% $3,029
UNITED WHOLESALE MORTGAGE, LLC 119 3.05% $3,615
LOANDEPOT.COM, LLC 102 3.10% $4,410
EVANSVILLE TEACHERS 100 3.11% $3,110
Origin Bank 94 3.11% $3,504
PLANET HOME LENDING, LLC 76 3.25% $5,426
GUARANTY HOME MORTGAGE CORPORATION 74 3.05% $3,792
FIDELITY BANK 71 3.06% $3,971
AMERISAVE MORTGAGE CORPORATION 63 3.02% $4,389
OPEN MORTGAGE, LLC 61 3.27% $4,021
ANGEL OAK HOME LOANS LLC 50 3.54% $4,365
BETTER MORTGAGE CORPORATION 50 2.98% $2,878
JPMorgan Chase Bank 47 3.01% $2,727
CALIBER HOME LOANS, INC. 47 3.09% $4,556
Flagstar Bank, FSB 47 3.14% $4,920
Mr. Cooper ( Nationstar Mortgage ) 45 3.31% $5,120
Bank of America 42 2.32% $3,613
The Citizens National Bank of Meridian 37 3.41% $2,763
Magnolia Bank 36 3.07% $2,938
GMFS LLC 36 3.14% $3,077
Bank of England 35 3.12% $4,714
PENNYMAC LOAN SERVICES, LLC 32 3.24% $5,017
HOME POINT FINANCIAL CORPORATION 31 3.08% $5,379
NAVY FEDERAL CREDIT UNION 30 3.40% $3,854
CORNERSTONE HOME LENDING, INC. 29 3.44% $6,094
SUCCESS MORTGAGE PARTNERS, INC. 29 3.25% $3,322
SECURITYNATIONAL MORTGAGE COMPANY 27 3.56% $3,712
MOVEMENT MORTGAGE, LLC 24 3.18% $4,127
KEESLER 23 3.12% $3,303
Hamilton Mortgage Corporation 22 3.16% $3,790
Peoples Bank 22 3.14% $3,205
HOPE FEDERAL CREDIT UNION 19 4.47% $4,689
FREEDOM MORTGAGE CORPORATION 18 3.15% $1,978
MORTGAGE ACCESS CORP. 18 2.99% $6,378
NEWREZ LLC 18 3.41% $3,361
INTERLINC MORTGAGE SERVICES, LLC 17 3.28% $3,749
Ally Bank 17 3.04% $4,654
PRIMELENDING, A PLAINSCAPITAL COMPANY 16 3.58% $4,661
BROKER SOLUTIONS, INC. 15 3.25% $4,911
RIVERTRUST Federal Credit Union 15 2.98% $3,076
MUTUAL OF OMAHA MORTGAGE, INC. 14 3.24% $4,021
Ixonia Bank 14 3.17% $3,552
Wyndham Capital Mortgage, Inc. 14 2.92% $2,142
COMMUNITY MORTGAGE CORPORATION 13 3.23% $3,290
CHURCHILL MORTGAGE CORPORATION 13 3.24% $3,230
ROYAL UNITED MORTGAGE LLC 12 3.41% $7,078
CRESCENT MORTGAGE COMPANY 12 3.07% $5,362
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 11 3.27% $4,173
Mortgage Research Center, LLC 10 2.98% $3,629
Carrington Mortgage Services, LLC 10 3.18% $3,680
Citizens Bank 10 3.09% $3,124
Truist Bank 10 2.96% $4,453
FIRST COMMUNITY MORTGAGE, INC. 9 3.04% $4,792
Chicago Mortgage Solutions LLC 9 2.76% $1,496
ZILLOW HOME LOANS, LLC 9 3.26% $2,747
U.S. Bank 9 3.03% $3,966
FINANCE OF AMERICA MORTGAGE LLC 9 3.11% $4,551
Hancock Whitney Bank 8 3.11% $3,682
Nations Lending Corporation 7 3.02% $6,056
Stifel Bank and Trust 7 2.88% $2,934
PENTAGON FEDERAL CREDIT UNION 7 2.68% $4,123
HOMESIDE FINANCIAL, LLC 7 3.09% $5,169
FirstBank 7 2.93% $2,130
GUARANTEED RATE, INC. 7 3.18% $2,699
Hometown Lenders, Inc. 7 3.98% $7,350
First Guaranty Mortgage Corporation 6 3.00% $6,740
Manufacturers and Traders Trust Company 6 3.33% $3,855
EMBRACE HOME LOANS, INC. 6 3.37% $4,025
EVERETT FINANCIAL, INC. 6 3.44% $2,050
ACADEMY MORTGAGE CORPORATION 6 3.69% $4,722
InterContinental Capital Group, Inc 6 3.44% $6,386
First Savings Bank 6 3.04% $5,369
CROSSCOUNTRY MORTGAGE, LLC 5 3.10% $4,617
Grand Bank for Savings, FSB 5 2.75% $2,298
Discover Bank 5 4.54% $0
Watermark Capital, Inc. 5 3.65% $3,904
Colonial Savings, F.A. 5 3.05% $2,788
Triumph Bank 5 2.83% $3,553
PNC Bank 4 2.94% $4,479
AMERICAN FINANCING CORPORATION 4 3.03% $3,199
AMERICAN INTERNET MORTGAGE, INC. 4 2.72% $2,056
Arvest Bank 4 3.00% $2,988
Austin Capital Bank SSB 4 3.84% $4,271
Cadence Bank, N.A. 4 2.97% $4,095
EUSTIS AND AMERICAN MORTGAGE COMPANY 4 3.19% $3,670
Morgan Stanley Private Bank 4 2.75% $4,480
PREMIA MORTGAGE, LLC 4 2.69% $2,690
Red River Bank 4 2.97% $3,267
Reliant Bank 4 5.77% $4,234
SOFI LENDING CORP. 4 3.13% $3,387
The Federal Savings Bank 4 3.31% $7,706
TIAA, FSB 4 2.94% $1,399
FLAT BRANCH MORTGAGE, INC. 3 3.38% $3,577
DELMAR FINANCIAL COMPANY 3 3.50% $3,424
RUOFF MORTGAGE COMPANY, INC. 3 2.92% $2,021
S1L, Inc. 3 3.63% $4,995
Blue Ridge Bank 3 3.38% $3,355
PHH Mortgage Corporation 3 3.42% $7,834
STANDARD MORTGAGE CORPORATION 3 2.71% $3,286
SWBC MORTGAGE CORPORATION 3 3.13% $3,014
Charles Schwab Bank, SSB 3 2.68% $3,585
Gateway First Bank 3 3.04% $3,219
Assurance Financial Group, L.L.C. 3 3.04% $3,426
CREDIT UNION MORTGAGE ASSOCIATION, INC. 3 3.00% $4,695
GUARANTEED RATE AFFINITY, LLC 3 2.79% $1,575
RELIANCE FIRST CAPITAL, LLC 3 4.33% $5,748
HOMEBRIDGE FINANCIAL SERVICES, INC. 3 4.08% $4,881
Baxter Credit Union 2 2.94% $2,644
STOCKTON MORTGAGE CORPORATION 2 2.93% $2,838
Independent Bank 2 2.69% $2,980
CHEVRON 2 2.88% $3,348
VANDERBILT MORTGAGE AND FINANCE, INC. 2 4.69% $4,486
North American Savings Bank, F.S.B. 2 3.06% $1,190
KS StateBank 2 2.63% $5,615
PRIMARY RESIDENTIAL MORTGAGE, INC. 2 3.56% $6,599
LENDERFI, INC. 2 3.12% $1,365
CapStar Bank 2 2.94% $3,150
Republic State Mortgage Co. 2 3.00% $4,155
First Internet Bank of Indiana 2 2.63% $2,942
Capital City Home Loans, LLC 2 2.94% $3,054
GENEVA FINANCIAL, LLC 2 3.56% $5,756
NATIONWIDE MORTGAGE BANKERS, INC. 2 3.06% $4,491
Quontic Bank 2 5.44% $18,650
GUIDANCE RESIDENTIAL, LLC 2 3.25% $3,207
ANGEL OAK MORTGAGE SOLUTIONS LLC 2 4.31% $8,377
ServisFirst Bank 2 2.94% $3,025
IMPAC MORTGAGE CORP. 2 3.12% $530
SouthPoint Bank 2 3.00% $1,009
Evolve Bank & Trust 2 3.19% $2,846
NBKC BANK 2 3.06% $1,551
Goldwater Bank, N.A. 2 3.00% $3,857
21ST MORTGAGE CORPORATION 1 7.50% $6,678
AMERICAN FINANCIAL NETWORK, INC. 1 4.13% $10,377
PriorityOne Bank 1 2.99% $2,975
CELEBRITY HOME LOANS, LLC 1 3.13% $5,550
Raymond James Bank 1 2.88% $3,803
RBC Bank, (Georgia) 1 4.25% $1,698
AMCAP MORTGAGE, LTD. 1 3.25% $8,940
Capitol Federal Savings Bank 1 2.88% $8,316
Republic Bank & Trust Company 1 3.13% $3,110
RIVERLAND FEDERAL CREDIT UNION 1 2.88% $4,173
ROUNDPOINT MORTGAGE SERVICING CORPORATION 1 3.50% $6,333
BNC National Bank 1 2.63% $4,155
ALLIANT CREDIT UNION 1 3.13% $6,935
Southwest Airlines Federal Credit Union 1 2.88% $4,697
SPRING EQ, LLC 1 3.38% $0
BARTLETT MORTGAGE, INC. 1 2.88% $4,292
SUN WEST MORTGAGE COMPANY, INC. 1 2.99% $1,519
Axos Bank 1 3.38% $1,954
The City National Bank of Sulphur Springs 1 2.75% $1,973
AgFirst Farm Credit Bank 1 3.38% $5,446
The Huntington National Bank 1 2.70% $3,243
The State Bank and Trust Company 1 2.88% $1,889
The Union Bank Company 1 2.88% $3,644
A&D Mortgage LLC 1 5.38% $20,920
Truity Federal Credit Union 1 2.63% $6,893
AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.99% $4,228
UBS Bank USA 1 2.38% $4,531
GSF Mortgage Corporation 1 2.88% $1,615
GUILD MORTGAGE COMPANY 1 3.25% $4,084
Great Southern Bank 1 3.15% $3,962
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 4.13% $3,596
HARVESTERS FEDERAL CREDIT UNION 1 3.25% $2,663
HIWAY 1 3.00% $4,712
HOMESTEAD FUNDING CORP. 1 2.88% $4,643
First National Bank of Omaha 1 3.13% $2,534
First National Bank of America 1 7.00% $11,426
First Home Bank 1 3.25% $10,396
First Financial Bank 1 3.38% $2,818
JUSTICE Federal Credit Union 1 3.88% $3,884
First Federal Bank, A FSB 1 3.25% $3,667
KeyBank 1 2.63% $2,896
Lakeview Community Capital, LLC 1 3.63% $2,269
LAKEVIEW LOAN SERVICING, LLC 1 2.99% $1,291
LEADERONE FINANCIAL CORPORATION 1 3.50% $5,128
LHM FINANCIAL CORPORATION 1 3.38% $5,666
First Federal Bank 1 2.75% $7,884
Financial Federal Bank 1 2.63% $2,488
FBC MORTGAGE, LLC 1 2.99% $4,644
MICHIGAN MUTUAL, INC. 1 2.75% $6,884
AMERICAN FINANCIAL RESOURCES, INC. 1 3.63% $5,285
Farm Credit Mid-America, ACA 1 3.30% $10,554
EMM LOANS LLC 1 3.25% $4,099
Eagle Bank and Trust Company 1 2.88% $2,712
DIGITAL Federal Credit Union 1 3.00% $3,308
Deere Employees Credit Union 1 2.63% $3,166
DAS Acquisition Company, LLC 1 2.88% $3,242
CU COMMUNITY, LLC 1 2.88% $3,875
Northpointe Bank 1 3.49% $7,570
Northwest Federal Credit Union 1 2.88% $3,273
N R L Federal Credit Union 1 2.75% $1,437
ON Q FINANCIAL, INC. 1 2.88% $3,732
COUNTRYPLACE MORTGAGE, LTD. 1 3.00% $10,022
PANORAMA MORTGAGE GROUP, LLC 1 3.63% $2,782
Paramount Residential Mortgage Group, Inc. 1 3.50% $2,943
Patriot Bank 1 2.63% $2,554
CMG MORTGAGE, INC. 1 3.25% $3,676
Citibank 1 2.63% $5,758
CIBC Bank USA 1 2.38% $5,078
Pinnacle Bank 1 3.13% $2,798
Plains Commerce Bank 1 3.38% $4,407

JACKSON, MS's 211 lenders originated 19,429 loans during 2021. The total origination value was $4,314,155,000, with an average loan value of $222,047.

The top JACKSON lender as defined by loan originations is Trustmark National Bank, with 873 loans originated. Their average total fees are $3,152, which is $1,919 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee JACKSON lenders (with over 10 loans originated) are FREEDOM MORTGAGE CORPORATION ($1,978), Wyndham Capital Mortgage, Inc. ($2,142), BankPlus ($2,674), JPMorgan Chase Bank ($2,727) and The Citizens National Bank of Meridian ($2,763).

The lowest rate JACKSON lenders (with over 10 loans originated) are Bank of America (2.32%), Wyndham Capital Mortgage, Inc. (2.92%), Truist Bank (2.96%), BankPlus (2.97%) and BETTER MORTGAGE CORPORATION (2.98%).

JACKSON, MS Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Trustmark National Bank $585,180,000 $547,055,000 -6.5% 12.7%
BankPlus $354,365,000 $349,150,000 -1.5% 8.1%
BancorpSouth Bank $324,805,000 $293,465,000 -9.6% 6.8%
QUICKEN LOANS, LLC $226,975,000 $271,875,000 19.8% 6.3%
Community Bank of Mississippi $208,030,000 $173,295,000 -16.7% 4.0%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $131,845,000 $164,935,000 25.1% 3.8%
Renasant Bank $233,325,000 $140,635,000 -39.7% 3.3%
First Horizon Bank $3,285,000 $137,870,000 4,097.0% 3.2%
New York Community Bank $120,010,000 n/a 2.8%
Regions Bank $107,430,000 $110,130,000 2.5% 2.6%
FREEDOM MORTGAGE CORPORATION $89,915,000 $82,425,000 -8.3% 1.9%
OPEN MORTGAGE, LLC $44,075,000 $76,745,000 74.1% 1.8%
PriorityOne Bank $65,365,000 $70,130,000 7.3% 1.6%
Wells Fargo Bank $45,945,000 $59,180,000 28.8% 1.4%
LOANDEPOT.COM, LLC $27,850,000 $57,535,000 106.6% 1.3%
Mortgage Research Center, LLC $39,265,000 $57,155,000 45.6% 1.3%
UNITED WHOLESALE MORTGAGE, LLC $47,230,000 $56,155,000 18.9% 1.3%
EVANSVILLE TEACHERS $63,145,000 $53,180,000 -15.8% 1.2%
Origin Bank $70,160,000 $51,785,000 -26.2% 1.2%
PLANET HOME LENDING, LLC $38,785,000 $48,760,000 25.7% 1.1%
MORTGAGE INVESTORS GROUP, INC. $18,035,000 $47,940,000 165.8% 1.1%
BankFirst Financial Services $45,300,000 $44,995,000 -0.7% 1.0%
Capital One $8,635,000 $44,730,000 418.0% 1.0%
PENNYMAC LOAN SERVICES, LLC $20,120,000 $41,000,000 103.8% 1.0%
Arbor Realty Trust, Inc. $2,235,000 $37,730,000 1,588.1% 0.9%
Mr. Cooper ( Nationstar Mortgage ) $26,825,000 $34,430,000 28.4% 0.8%
AMERISAVE MORTGAGE CORPORATION $23,240,000 $34,115,000 46.8% 0.8%
KeyBank $33,110,000 n/a 0.8%
GUARANTY HOME MORTGAGE CORPORATION $3,970,000 $32,340,000 714.6% 0.7%
First Commercial Bank $35,160,000 $31,935,000 -9.2% 0.7%
CALIBER HOME LOANS, INC. $30,730,000 $29,585,000 -3.7% 0.7%
The First, A National Banking Association $49,070,000 $27,515,000 -43.9% 0.6%
GREYSTONE SERVICING COMPANY LLC $19,675,000 $26,610,000 35.2% 0.6%
WALKER & DUNLOP, LLC $26,610,000 n/a 0.6%
ANGEL OAK HOME LOANS LLC $48,185,000 $25,400,000 -47.3% 0.6%
FIDELITY BANK $31,545,000 $24,875,000 -21.1% 0.6%
PRUDENTIAL MULTIFAMILY MORTGAGE, LLC $34,805,000 $23,310,000 -33.0% 0.5%
BETTER MORTGAGE CORPORATION $10,850,000 $22,560,000 107.9% 0.5%
Magnolia Bank $52,005,000 $19,380,000 -62.7% 0.4%
HOME POINT FINANCIAL CORPORATION $7,685,000 $19,030,000 147.6% 0.4%
NAVY FEDERAL CREDIT UNION $11,910,000 $18,950,000 59.1% 0.4%
The Citizens National Bank of Meridian $38,640,000 $18,920,000 -51.0% 0.4%
LAKEVIEW LOAN SERVICING, LLC $9,085,000 $18,050,000 98.7% 0.4%
Copiah Bank $15,710,000 $18,005,000 14.6% 0.4%
Bank of Yazoo City $15,915,000 $17,485,000 9.9% 0.4%
JPMorgan Chase Bank $13,325,000 $17,090,000 28.3% 0.4%
NEWREZ LLC $7,700,000 $17,055,000 121.5% 0.4%
Flagstar Bank, FSB $13,030,000 $16,985,000 30.4% 0.4%
Bank of England $32,525,000 $16,855,000 -48.2% 0.4%
Bank of America $17,665,000 $16,500,000 -6.6% 0.4%
USAA Federal Savings Bank $24,775,000 $15,870,000 -35.9% 0.4%
GMFS LLC $8,095,000 $15,035,000 85.7% 0.3%
KEESLER $17,520,000 $14,985,000 -14.5% 0.3%
21ST MORTGAGE CORPORATION $12,080,000 $14,260,000 18.0% 0.3%
NEW DAY FINANCIAL, LLC $12,740,000 $12,845,000 0.8% 0.3%
INTERLINC MORTGAGE SERVICES, LLC $9,015,000 $12,715,000 41.0% 0.3%
ORIX REAL ESTATE CAPITAL, LLC $3,990,000 $12,700,000 218.3% 0.3%
Peoples Bank $17,830,000 $12,360,000 -30.7% 0.3%
SUCCESS MORTGAGE PARTNERS, INC. $11,875,000 n/a 0.3%
MOVEMENT MORTGAGE, LLC $530,000 $11,725,000 2,112.3% 0.3%
Truist Bank $14,595,000 $11,725,000 -19.7% 0.3%
CORNERSTONE HOME LENDING, INC. $13,930,000 $10,960,000 -21.3% 0.3%
COMMUNITY MORTGAGE CORPORATION $9,315,000 $10,900,000 17.0% 0.3%
BROKER SOLUTIONS, INC. $5,785,000 $10,650,000 84.1% 0.2%
Carrington Mortgage Services, LLC $8,850,000 $10,170,000 14.9% 0.2%
MUTUAL OF OMAHA MORTGAGE, INC. $6,165,000 $8,430,000 36.7% 0.2%
MORTGAGE ACCESS CORP. $6,960,000 $8,215,000 18.0% 0.2%
Ally Bank $1,135,000 $7,895,000 595.6% 0.2%
Hometown Lenders, Inc. $7,170,000 $7,870,000 9.8% 0.2%
Lakeview Community Capital, LLC $3,340,000 $7,820,000 134.1% 0.2%
U.S. Bank $10,030,000 $7,555,000 -24.7% 0.2%
Liberty Bank and Trust Company $6,285,000 $7,525,000 19.7% 0.2%
Hamilton Mortgage Corporation $14,455,000 $7,250,000 -49.8% 0.2%
Hancock Whitney Bank $6,520,000 $6,935,000 6.4% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $5,700,000 $6,915,000 21.3% 0.2%
PENTAGON FEDERAL CREDIT UNION $2,235,000 $6,805,000 204.5% 0.2%
RIVERTRUST Federal Credit Union $7,240,000 $6,765,000 -6.6% 0.2%
VILLAGE CAPITAL & INVESTMENT LLC $7,550,000 $6,530,000 -13.5% 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $2,955,000 $6,305,000 113.4% 0.1%
First Guaranty Mortgage Corporation $3,355,000 $6,235,000 85.8% 0.1%
Southern Bancorp Bank $5,685,000 $6,110,000 7.5% 0.1%
The Federal Savings Bank $7,745,000 $5,970,000 -22.9% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $1,300,000 $5,895,000 353.5% 0.1%
Citizens Bank $835,000 $5,750,000 588.6% 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $2,400,000 $5,350,000 122.9% 0.1%
FirstBank $3,330,000 $5,320,000 59.8% 0.1%
Ixonia Bank $5,210,000 n/a 0.1%
Wyndham Capital Mortgage, Inc. $2,915,000 $5,110,000 75.3% 0.1%
CHURCHILL MORTGAGE CORPORATION $4,345,000 $4,895,000 12.7% 0.1%
CRESCENT MORTGAGE COMPANY $3,675,000 $4,795,000 30.5% 0.1%
EVERETT FINANCIAL, INC. $20,995,000 $4,780,000 -77.2% 0.1%
ACADEMY MORTGAGE CORPORATION $8,205,000 $4,750,000 -42.1% 0.1%
Barrington Bank & Trust Company, N.A. $4,885,000 $4,555,000 -6.8% 0.1%
COREVEST AMERICAN FINANCE LENDER LLC $1,045,000 $4,455,000 326.3% 0.1%
SECURITYNATIONAL MORTGAGE COMPANY $3,445,000 $4,085,000 18.6% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $835,000 $3,950,000 373.1% 0.1%
AMERICAN INTERNET MORTGAGE, INC. $2,280,000 $3,720,000 63.2% 0.1%
Reliant Bank $2,775,000 $3,695,000 33.2% 0.1%
MUTUAL $4,240,000 $3,625,000 -14.5% 0.1%
First Bank $5,985,000 $3,550,000 -40.7% 0.1%
South State Bank $895,000 $3,505,000 291.6% 0.1%
Nations Lending Corporation $1,460,000 $3,430,000 134.9% 0.1%
Guaranty Bank and Trust Company $3,540,000 $3,195,000 -9.7% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $275,000 $3,170,000 1,052.7% 0.1%
HOPE FEDERAL CREDIT UNION $5,495,000 $3,155,000 -42.6% 0.1%
Stifel Bank and Trust $1,870,000 $3,110,000 66.3% 0.1%
BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $3,020,000 n/a 0.1%
Chicago Mortgage Solutions LLC $1,095,000 $2,990,000 173.1% 0.1%
HOMEBRIDGE FINANCIAL SERVICES, INC. $2,500,000 $2,960,000 18.4% 0.1%
ROYAL UNITED MORTGAGE LLC $2,470,000 $2,920,000 18.2% 0.1%
Capitol Federal Savings Bank $1,090,000 $2,765,000 153.7% 0.1%
GUARANTEED RATE, INC. $1,620,000 $2,710,000 67.3% 0.1%
AMERICAN FINANCING CORPORATION $1,335,000 $2,645,000 98.1% 0.1%
EMBRACE HOME LOANS, INC. $1,720,000 $2,610,000 51.7% 0.1%
SOUTHWEST STAGE FUNDING, LLC $2,585,000 $2,555,000 -1.2% 0.1%
Manufacturers and Traders Trust Company $610,000 $2,510,000 311.5% 0.1%
Morgan Stanley Private Bank $865,000 $2,500,000 189.0% 0.1%
The Citizens Bank of Philadelphia, Mississippi $15,570,000 $2,405,000 -84.6% 0.1%
Blue Ridge Bank $1,505,000 $2,390,000 58.8% 0.1%
LIMA ONE CAPITAL, LLC $725,000 $2,380,000 228.3% 0.1%
Charles Schwab Bank, SSB $440,000 $2,300,000 422.7% 0.1%
ZILLOW HOME LOANS, LLC $1,270,000 $2,275,000 79.1% 0.1%
TRIAD FINANCIAL SERVICES, INC. $880,000 $2,220,000 152.3% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $1,735,000 $2,180,000 25.6% 0.1%
North American Savings Bank, F.S.B. $2,515,000 $2,170,000 -13.7% 0.1%
BNC National Bank $1,560,000 $2,100,000 34.6% 0.0%
Triumph Bank $620,000 $2,080,000 235.5% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $450,000 $2,030,000 351.1% 0.0%
Quontic Bank $2,020,000 n/a 0.0%
PREMIA MORTGAGE, LLC $1,205,000 $1,985,000 64.7% 0.0%
NBKC BANK $805,000 $1,945,000 141.6% 0.0%
PNC Bank $1,070,000 $1,945,000 81.8% 0.0%
AMERICAN FINANCIAL NETWORK, INC. $135,000 $1,825,000 1,251.9% 0.0%
HOMESIDE FINANCIAL, LLC $1,815,000 n/a 0.0%
Colonial Savings, F.A. $1,765,000 $1,810,000 2.5% 0.0%
Paramount Residential Mortgage Group, Inc. $1,335,000 $1,810,000 35.6% 0.0%
AMERICAN FINANCIAL RESOURCES, INC. $1,350,000 $1,795,000 33.0% 0.0%
First Savings Bank $135,000 $1,770,000 1,211.1% 0.0%
PRIMARY RESIDENTIAL MORTGAGE, INC. $1,380,000 $1,760,000 27.5% 0.0%
EUSTIS AND AMERICAN MORTGAGE COMPANY $265,000 $1,740,000 556.6% 0.0%
Watermark Capital, Inc. $1,930,000 $1,700,000 -11.9% 0.0%
PHH Mortgage Corporation $685,000 $1,575,000 129.9% 0.0%
Arvest Bank $945,000 $1,570,000 66.1% 0.0%
Farmers Bank & Trust $395,000 $1,445,000 265.8% 0.0%
Grand Bank for Savings, FSB $1,230,000 $1,430,000 16.3% 0.0%
Citibank $720,000 $1,345,000 86.8% 0.0%
SOFI LENDING CORP. $270,000 $1,320,000 388.9% 0.0%
Assurance Financial Group, L.L.C. $5,365,000 $1,310,000 -75.6% 0.0%
TIAA, FSB $2,255,000 $1,295,000 -42.6% 0.0%
Northpointe Bank $1,985,000 $1,270,000 -36.0% 0.0%
CMG MORTGAGE, INC. $2,180,000 $1,265,000 -42.0% 0.0%
MICHIGAN MUTUAL, INC. $355,000 $1,265,000 256.3% 0.0%
Red River Bank $410,000 $1,260,000 207.3% 0.0%
Independent Bank $355,000 $1,245,000 250.7% 0.0%
GENEVA FINANCIAL, LLC $495,000 $1,150,000 132.3% 0.0%
RELIANCE FIRST CAPITAL, LLC $1,745,000 $1,140,000 -34.7% 0.0%
FLAT BRANCH MORTGAGE, INC. $690,000 $1,130,000 63.8% 0.0%
AMCAP MORTGAGE, LTD. $1,125,000 n/a 0.0%
GUARANTEED RATE AFFINITY, LLC $4,220,000 $1,110,000 -73.7% 0.0%
SILVER HILL FUNDING, LLC $1,110,000 n/a 0.0%
KS StateBank $355,000 $1,105,000 211.3% 0.0%
Gateway First Bank $865,000 $1,100,000 27.2% 0.0%
Discover Bank $600,000 $1,095,000 82.5% 0.0%
Paramount Bank $590,000 $1,055,000 78.8% 0.0%
InterContinental Capital Group, Inc $1,045,000 $1,050,000 0.5% 0.0%
The Huntington National Bank $1,285,000 $1,015,000 -21.0% 0.0%
RUOFF MORTGAGE COMPANY, INC. $405,000 $1,010,000 149.4% 0.0%
Austin Capital Bank SSB $890,000 $990,000 11.2% 0.0%
The Bank of Forest $860,000 $980,000 14.0% 0.0%
First South Farm Credit, ACA $1,615,000 $975,000 -39.6% 0.0%
BAYSHORE MORTGAGE FUNDING, LLC $800,000 $970,000 21.3% 0.0%
LENDERFI, INC. $185,000 $950,000 413.5% 0.0%
Cadence Bank, N.A. $2,475,000 $945,000 -61.8% 0.0%
DELMAR FINANCIAL COMPANY $845,000 $895,000 5.9% 0.0%
Baxter Credit Union $740,000 $880,000 18.9% 0.0%
Low VA Rates, LLC $890,000 $870,000 -2.2% 0.0%
Florida Capital Bank $540,000 $830,000 53.7% 0.0%
IMPAC MORTGAGE CORP. $730,000 $825,000 13.0% 0.0%
CHEVRON $115,000 $815,000 608.7% 0.0%
Eagle Bank and Trust Company $1,715,000 $805,000 -53.1% 0.0%
GUILD MORTGAGE COMPANY $305,000 $795,000 160.7% 0.0%
AMERICAN ADVISORS GROUP $990,000 $780,000 -21.2% 0.0%
Capital City Home Loans, LLC $145,000 $755,000 420.7% 0.0%
HOMESTAR FINANCIAL CORPORATION $320,000 $755,000 135.9% 0.0%
DIGITAL Federal Credit Union $35,000 $750,000 2,042.9% 0.0%
Axos Bank $740,000 n/a 0.0%
NP, Inc. $315,000 $730,000 131.7% 0.0%
UNION HOME MORTGAGE CORP. $295,000 $730,000 147.5% 0.0%
Evolve Bank & Trust $155,000 $720,000 364.5% 0.0%
MID AMERICA MORTGAGE, INC. $205,000 $720,000 251.2% 0.0%
STATEWIDE FEDERAL CREDIT UNION $1,440,000 $715,000 -50.3% 0.0%
BARTLETT MORTGAGE, INC. $225,000 $710,000 215.6% 0.0%
STANDARD MORTGAGE CORPORATION $490,000 $685,000 39.8% 0.0%
HOMESTEAD FUNDING CORP. $305,000 $680,000 123.0% 0.0%
SPRING EQ, LLC $25,000 $675,000 2,600.0% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $670,000 n/a 0.0%
Republic Bank & Trust Company $135,000 $670,000 396.3% 0.0%
Figure Lending LLC $400,000 $660,000 65.0% 0.0%
Equity Prime Mortgage LLC $655,000 n/a 0.0%
LHM FINANCIAL CORPORATION $640,000 n/a 0.0%
RIVERLAND FEDERAL CREDIT UNION $2,170,000 $640,000 -70.5% 0.0%
ANGEL OAK MORTGAGE SOLUTIONS LLC $635,000 n/a 0.0%
First Home Bank $320,000 $635,000 98.4% 0.0%
Raymond James Bank $4,220,000 $625,000 -85.2% 0.0%
CapStar Bank $620,000 n/a 0.0%
SWBC MORTGAGE CORPORATION $970,000 $610,000 -37.1% 0.0%
CREDIT HUMAN FEDERAL CREDIT UNION $1,330,000 $600,000 -54.9% 0.0%
Sunflower Bank $595,000 n/a 0.0%
First Federal Bank $3,235,000 $590,000 -81.8% 0.0%
First Internet Bank of Indiana $590,000 $590,000 0.0% 0.0%
NATIONWIDE MORTGAGE BANKERS, INC. $585,000 n/a 0.0%
Paragon Bank $575,000 n/a 0.0%
COUNTRYPLACE MORTGAGE, LTD. $295,000 $555,000 88.1% 0.0%
Planters Bank & Trust Company $875,000 $550,000 -37.1% 0.0%
AgFirst Farm Credit Bank $200,000 $545,000 172.5% 0.0%
CELEBRITY HOME LOANS, LLC $545,000 n/a 0.0%
First Federal Bank, A FSB $145,000 $545,000 275.9% 0.0%
BAY EQUITY LLC $535,000 n/a 0.0%
DRAPER AND KRAMER MORTGAGE CORP. $525,000 n/a 0.0%
FBT Mortgage, L.L.C. $525,000 n/a 0.0%
American Airlines Federal Credit Union $520,000 n/a 0.0%
Farm Credit Mid-America, ACA $515,000 n/a 0.0%
UBS Bank USA $515,000 $515,000 0.0% 0.0%
A&D Mortgage LLC $505,000 n/a 0.0%
Mid-Continent Funding, Inc. $895,000 $500,000 -44.1% 0.0%
CSL Financial, LLC $300,000 $495,000 65.0% 0.0%
Citizens Bank $835,000 $490,000 -41.3% 0.0%
ROUNDPOINT MORTGAGE SERVICING CORPORATION $4,610,000 $480,000 -89.6% 0.0%
Capital Bank $245,000 $475,000 93.9% 0.0%
CIBC Bank USA $475,000 n/a 0.0%
ACCELERATE MORTGAGE, LLC $470,000 n/a 0.0%
STEARNS LENDING, LLC $165,000 $470,000 184.8% 0.0%
First Financial Bank $1,330,000 $460,000 -65.4% 0.0%
ServisFirst Bank $440,000 n/a 0.0%
Republic State Mortgage Co. $280,000 $435,000 55.4% 0.0%
S1L, Inc. $155,000 $435,000 180.6% 0.0%
Progress Bank and Trust $355,000 $425,000 19.7% 0.0%
LENDINGONE, LLC $410,000 n/a 0.0%
The Union Bank Company $410,000 n/a 0.0%
GUIDANCE RESIDENTIAL, LLC $515,000 $400,000 -22.3% 0.0%
ON Q FINANCIAL, INC. $155,000 $395,000 154.8% 0.0%
Simmons Bank $395,000 n/a 0.0%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $55,000 $370,000 572.7% 0.0%
Pinnacle Bank $370,000 n/a 0.0%
Truity Federal Credit Union $365,000 n/a 0.0%
UNITED SECURITY FINANCIAL CORP $115,000 $365,000 217.4% 0.0%
Merchants & Marine Bank $345,000 n/a 0.0%
SOUTHEAST MORTGAGE OF GEORGIA, INC. $865,000 $340,000 -60.7% 0.0%
Presidential Bank, FSB $345,000 $335,000 -2.9% 0.0%
Century Mortgage Company DBA Century Lending Company $325,000 n/a 0.0%
Core Bank $325,000 n/a 0.0%
Meridian Bank Corporation $325,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $320,000 n/a 0.0%
SouthPoint Bank $65,000 $320,000 392.3% 0.0%
OCEANSIDE MORTGAGE COMPANY $1,575,000 $315,000 -80.0% 0.0%
SIRVA MORTGAGE, INC. $860,000 $315,000 -63.4% 0.0%
Deere Employees Credit Union $465,000 $310,000 -33.3% 0.0%
Northwest Federal Credit Union $305,000 n/a 0.0%
REVERSE MORTGAGE FUNDING LLC $305,000 n/a 0.0%
DAS Acquisition Company, LLC $95,000 $300,000 215.8% 0.0%
Visio Financial Services Inc. $215,000 $300,000 39.5% 0.0%
CU COMMUNITY, LLC $290,000 n/a 0.0%
DATA MORTGAGE, INC. $275,000 n/a 0.0%
LEADERONE FINANCIAL CORPORATION $270,000 n/a 0.0%
First Federal Bank of Kansas City $1,540,000 $265,000 -82.8% 0.0%
Pelican State Credit Union $265,000 n/a 0.0%
Goldwater Bank, N.A. $260,000 n/a 0.0%
First National Bank of America $75,000 $255,000 240.0% 0.0%
First Option Mortgage, LLC $255,000 n/a 0.0%
JUSTICE Federal Credit Union $300,000 $250,000 -16.7% 0.0%
1st Franklin Financial Corporation $25,000 $245,000 880.0% 0.0%
CIS Financial Services, Inc. $135,000 $245,000 81.5% 0.0%
FBC MORTGAGE, LLC $245,000 n/a 0.0%
Financial Federal Bank $245,000 n/a 0.0%
Great Southern Bank $235,000 n/a 0.0%
GSF Mortgage Corporation $235,000 n/a 0.0%
Guaranty Bank & Trust Company of Delhi, Louisiana $235,000 n/a 0.0%
Magnolia State Bank $405,000 $230,000 -43.2% 0.0%
First Guaranty Bank $225,000 n/a 0.0%
TEMPLE VIEW CAPITAL FUNDING, LP $220,000 n/a 0.0%
AMERICAN HOME LENDING USA, LLC $215,000 n/a 0.0%
HIWAY $215,000 n/a 0.0%
First Federal Savings and Loan Association $205,000 n/a 0.0%
Hometown Equity Mortgage, LLC $205,000 n/a 0.0%
LAND HOME FINANCIAL SERVICES, INC. $290,000 $205,000 -29.3% 0.0%
MORIA DEVELOPMENT, INC. $175,000 $205,000 17.1% 0.0%
Plains Commerce Bank $430,000 $205,000 -52.3% 0.0%
FINANCE OF AMERICA COMMERCIAL LLC $505,000 $200,000 -60.4% 0.0%
Secured Investment Corp. $45,000 $200,000 344.4% 0.0%
BECKAM FUNDING CORP. $195,000 n/a 0.0%
INLANTA MORTGAGE, INC. $195,000 n/a 0.0%
STOCKTON MORTGAGE CORPORATION $190,000 n/a 0.0%
Ameris Bank $650,000 $185,000 -71.5% 0.0%
EMM LOANS LLC $115,000 $185,000 60.9% 0.0%
Heritage South Credit Union $185,000 n/a 0.0%
HOMELAND BANCSHARES, INC. $45,000 $185,000 311.1% 0.0%
Patriot Bank $510,000 $185,000 -63.7% 0.0%
FIRST SOUTH FINANCIAL $175,000 n/a 0.0%
Southwest Airlines Federal Credit Union $175,000 n/a 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $865,000 $175,000 -79.8% 0.0%
Wilmington Savings Fund Society, FSB $175,000 n/a 0.0%
UNITED $165,000 n/a 0.0%
Citizens Bank & Trust Company of Vivian, Louisiana $250,000 $155,000 -38.0% 0.0%
Citizens Union Bank of Shelbyville $155,000 n/a 0.0%
First National Bank of Omaha $155,000 n/a 0.0%
MORTGAGE SOLUTIONS OF COLORADO, LLC $2,410,000 $155,000 -93.6% 0.0%
VAN DYK MORTGAGE CORPORATION $155,000 n/a 0.0%
Wolfe Financial, Inc $155,000 $155,000 0.0% 0.0%
Brighton Bank $150,000 n/a 0.0%
ALLIANT CREDIT UNION $480,000 $145,000 -69.8% 0.0%
ACOPIA, LLC $175,000 $135,000 -22.9% 0.0%
The City National Bank of Sulphur Springs $125,000 n/a 0.0%
Traditions Bank $125,000 n/a 0.0%
United States Senate Federal Credit Union $65,000 $120,000 84.6% 0.0%
City Bank $735,000 $115,000 -84.4% 0.0%
Gulf Coast Bank and Trust Company $115,000 n/a 0.0%
AmRes Corporation $105,000 n/a 0.0%
Cross Keys Bank $135,000 $105,000 -22.2% 0.0%
Great Southern Bank $105,000 n/a 0.0%
BLUELEAF LENDING, LLC $95,000 n/a 0.0%
HARVESTERS FEDERAL CREDIT UNION $95,000 n/a 0.0%
STAR ONE CREDIT UNION $95,000 n/a 0.0%
KELLER MORTGAGE, LLC $1,190,000 $75,000 -93.7% 0.0%
VELOCITY COMMERCIAL CAPITAL, LLC $75,000 n/a 0.0%
QUORUM FEDERAL CREDIT UNION $25,000 $65,000 160.0% 0.0%
TCF National Bank $65,000 $65,000 0.0% 0.0%
The State Bank and Trust Company $65,000 n/a 0.0%
Bethpage Federal Credit Union $55,000 n/a 0.0%
Concordia Bank and Trust Company $55,000 n/a 0.0%
FEDEX EMPLOYEES CREDIT ASSOCIATION $175,000 $55,000 -68.6% 0.0%
N R L Federal Credit Union $55,000 n/a 0.0%
RBC Bank, (Georgia) $115,000 $55,000 -52.2% 0.0%
FEDCHOICE Federal Credit Union $35,000 n/a 0.0%
NUMARK CREDIT UNION $35,000 n/a 0.0%
b1BANK $15,000 $25,000 66.7% 0.0%

JACKSON's top lender by overall market share is Trustmark National Bank, with 12.7% market share. In second place, with 8.1%, is BankPlus, having originated $349,150,000 in loans. In third place, with 6.8%, is BancorpSouth Bank, having originated $293,465,000 in loans. In third place, with 6.3%, is QUICKEN LOANS, LLC, having originated $271,875,000 in loans. In third place, with 4.0%, is Community Bank of Mississippi, having originated $173,295,000 in loans.


JACKSON, MS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 8,648 $2,236,530,000 $258,618
Refi 7,077 $1,492,705,000 $210,923
Cash Out Refi 2,173 $457,445,000 $210,513
Other 975 $88,425,000 $90,692
Home Improvement 555 $38,835,000 $69,973
NA 1 $215,000 $215,000

Jackson's most frequently cited loan purpose was Home Purchase, with 8,648 originations. The 2nd most popular reason was Refi, with 7,077 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
2.5-3% 6,720 $1,593,150,000 $237,076
3-4% 6,463 $1,510,525,000 $233,719
<2.5% 4,130 $837,130,000 $202,695
4-5% 894 $158,970,000 $177,819
5-6% 262 $35,360,000 $134,962
Over 8% 226 $16,030,000 $70,929
6-7% 136 $12,860,000 $94,559
7-8% 119 $9,415,000 $79,118

During 2021, Jackson's most frequently originated rate bucket was 2.5-3%, with 6,720 originations.

Loan Sizing (JACKSON, MS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 7,121 $1,073,305,000 $150,724
$200k-400k 6,884 $1,852,460,000 $269,096
$100,000 or less 3,942 $213,570,000 $54,178
$400k-600k 1,205 $578,125,000 $479,772
$600k-1000k 193 $141,765,000 $734,534
$Over $1MM 84 $454,930,000 $5,415,833

JACKSON's loan sizing saw the bucket of loans from $100k-200k with 7,121 originations, totaling $1,073,305,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 8,133 $1,917,255,000 $235,738
60-80% 5,539 $1,504,375,000 $271,597
40-60% 1,849 $375,515,000 $203,091
Under 20% 1,308 $50,800,000 $38,838
20-40% 1,207 $147,755,000 $122,415
Over 100% 324 $107,220,000 $330,926

JACKSON's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 8,133 originations, totaling $1,917,255,000 in origination value.