Jackson Mortgage Lending in 2025

Explore mortgage lending activity in Jackson (MSA/MD Code 27100) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 27100
2,137 Loans Originated
• Primary State: Michigan (MI)
• $460.71 Million Originated Volume
• $195,000 Median Loan
Actionable Applications 2,749 +0.95% vs 2024
Approval Rate 82.32% +2.56 pp vs 2024
Denial Rate 17.68% -2.56 pp vs 2024
Loan Originations 2,137 +4.19% vs 2024
Originated Volume $460.71 Million +11.07% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 2,749 actionable applications (Actions 1, 2, and 3).

82.32%
17.68%
2,263 approved 486 denied
Action 1: Originated
2,137 (77.74%)
Action 2: Approved not accepted
126 (4.58%)
Action 3: Denied
486 (17.68%)
Action 4: Withdrawn (not in denominator)
503 —
Action 5: Incomplete (not in denominator)
168 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How Jackson Compares

Metro vs. State Baseline (2025)

Metric Jackson Michigan
Actionable Apps 2,749 172,159
Approval Rate 82.32% 81.20%
Denial Rate 17.68% 18.80%
Originations 2,137 133,144
Originated Volume $460.71 Million $36.05 Billion
Median Loan $195,000 $235,000
Compared against Michigan statewide baseline in 2025.

Lending Trends in Jackson

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 3,348 3,420 +2.15%
Actionable Apps 2,723 2,749 +0.95%
Originations 2,051 2,137 +4.19%
Approval Rate 79.76% 82.32% +2.56 pp
Denial Rate 20.24% 17.68% -2.56 pp
Median Loan $175,000 $195,000 +11.43%
Dollar Volume $414.80 Million $460.71 Million +11.07%

Applications by Borrower Income (Jackson)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 473 86.05% 13.95%
$150k+ 298 92.95% 7.05%
$50k–$99,999 1,238 83.52% 16.48%
<$50k 572 69.58% 30.42%
Income unavailable/entity 168 87.50% 12.50%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Michigan (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 27100, anchored in Michigan (MI).
Metro Share of State Apps 1.60%
Metro Share of State Volume 1.28%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Michigan statewide mortgage activity

Jackson is part of OpenFileData’s statewide coverage of Michigan. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Michigan Statewide Overview Active Profile
Statewide Actionable Applications: 172,159
Explore Michigan State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Michigan Profile

Compare all metropolitan areas located in Michigan.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.