Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for Madison County, Mississippi
Every institution that decided a 1–4 unit mortgage application in Madison County between 2023 and 2025: 9,229 applications, 7,175 loans actually funded, across 8 kinds of borrowing.
Madison County at a glance
9,229Applications decided
2023–2025
7,175Loans funded
78% of decisions
26Census tracts
5 ZIP codes
110,303People
ACS 2023
What the data shows
Lenders approved 88.8% of home-purchase applications in Madison County, 4.7 points above the Mississippi rate.
The typical purchase mortgage here is $305K.
Home improvement loans is the hardest money to get here: lenders approved 61% of 908 applications.
Lending by loan type in Madison County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 88.8% | 4,916 | $305K | 95% | 241 |
| Home improvement loans | 60.9% | 908 | $75K | 91% | 52 |
| Cash-out refinance | 61.4% | 925 | $165K | 93% | 104 |
| Refinance | 82.7% | 1,690 | $145K | 94% | 113 |
| Investment property purchase | 90.1% | 465 | $215K | 96% | 100 |
| Investment cash-out refinance | 62.2% | 45 | $185K | 100% | 26 |
| Investment refinance | 94.9% | 216 | $105K | 98% | 34 |
| Investment home improvement | 68.8% | 64 | $65K | 89% | 23 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.