First Jackson Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
77th4.1% deniedProcesswithdrawn + incomplete share, weight 15%
87th2.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 148 | 130 | 5.4% | 5.8% | — | $21M |
| 2024 | 125 | 114 | 7.2% | 7.3% | — | $18M |
| 2025 | 150 | 136 | 4.0% | 4.1% | — | $24M |
What First Jackson Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 28 manufactured homes, 43 investment properties.
Why First Jackson Bank denies applications
Primary reason reported for each of the 6 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at First Jackson Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 26 | 24 | 3.9% |
| $50k – $100k | 38 | 33 | 8.3% |
| $100k – $150k | 20 | 17 | 5.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 30 | 27 | 10.0% |
| 45–54 | 30 | 26 | 3.6% |
| 55–64 | 24 | 23 | 0.0% |
| 65–74 | 22 | 19 | 0.0% |
Where First Jackson Bank lends
4 states and 14 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
First Jackson Bank denied 4.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 77th percentile of small mortgage lenders.
The most common reason First Jackson Bank gave in 2025 was "credit history", cited on 83.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 37% of its applications were for home purchases, 52% for refinancing (including cash-out), and 11% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.