Applications / Mortgage Analytics / Lenders / Mississippi / PriorityOne Bank
Magee, MS · State member bank · FRS · $1.1 billion assets · 629 loans in 2025
PriorityOne Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
629
loans originated, 2025
779
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PriorityOne Bank is a Mississippi lender built on government-insured loans: one loan in five was insured by the Federal Housing Administration in 2025, where similar lenders made almost none.
20.0% of its loans were FHA (insured by the Federal Housing Administration), higher than nearly all similar lenders (state member banks making between half and twice as many loans), whose typical FHA share is 0.0%. Only 74.9% were conventional, against 99.4%. The FHA share has more than doubled from 8.9% five years ago.
Its typical rate of 7.25% was higher than the peers' 6.75%, and higher than about four in five of them, while 2.7% of loans were higher-priced (a rate well above the average for similar loans), near the middle of its peers and down from 8.9% five years before. Its larger FHA share and its borrowers' credit could explain the rate gap.
21.9% of its loans were in majority-minority tracts, against 6.5% for similar lenders, higher than about six in seven of them. Its share to LMI (low- and moderate-income) borrowers, 21.1%, is below the peers' 27.6% but up from 16.1%. The population and incomes of the Mississippi markets it serves, such as Jackson and Hattiesburg, could explain both.
It ranks 6 of 177 in Hattiesburg after a 1.0 point gain to 3.5%, and 9 of 306 in Jackson, where its share fell 0.4 points to 3.0%. Overall originations fell 5%, against 7% growth for similar lenders.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PriorityOne Bank took 779 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.8% · Refinance 21.6% · Other 12.6% · Home improvement 9.1%
Conventional 74.9% · FHA 20.0% · VA 2.9% · USDA (RHS or FSA) 2.2% · of 629 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Mississippi | 612 | 97.3% |
| Tennessee | 6 | 1.0% |
| Alabama | 4 | 0.6% |
| Florida | 3 | 0.5% |
| Georgia | 2 | 0.3% |
| Louisiana | 2 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 356 |
| Hattiesburg | 110 |
| Memphis | 20 |
| Gulfport-Biloxi | 11 |
| Daphne-Fairhope-Foley | 3 |
| Nashville-Davidson--Murfreesboro--Franklin | 3 |
| Atlanta-Sandy Springs-Roswell | 1 |
| Chattanooga | 1 |
| Lafayette | 1 |
| Marietta | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CYL5ZW4ISL7T55 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 956938 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 321906 | 1995–2017 |
Established 27 January 1975. Reported under HMDA 1995-2025.
Mergers, name changes, data editions and corrections: PriorityOne Bank's data.
PriorityOne Bank's data
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PriorityOne Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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