Applications / Mortgage Analytics / Lenders / Mississippi / Bank of Yazoo City
Yazoo City, MS · State non-member bank · FDIC · $308 million assets · 115 loans in 2025
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115
loans originated, 2025
131
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Yazoo City lends far more heavily in LMI and majority-minority neighbourhoods than nine in ten similar lenders, and its loans rebounded 34% in 2025 while staying below their 2020 level.
Of its loans, 38.6% were in LMI (low- and moderate-income) tracts and 40.9% in majority-minority tracts, against 18.1% and 6.2% for the typical similar lender (a bank of the same type making between half and twice as many loans). Both are higher than about nine in ten peers, which may reflect where its branches and home markets are.
20.3% of its borrowers were LMI, down from 26.3% and lower than about seven in ten peers. Possible reasons include borrowers in low-income areas whose own incomes are higher, or its refinance-heavy mix (55.7% of loans), which serves existing owners rather than first-time buyers.
Its typical loan was $125,000, lower than about four in five peers' $175,000. Originations rose from 86 to 115, faster than about four in five similar lenders, after falling to 70 in 2023, but remain below the 156 of 2020. In Jackson it ranks 31 of 306, with its share up to 0.7% from 0.4%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Yazoo City took 131 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.7% · Purchase 35.7% · Home improvement 6.1% · Other 2.6%
Conventional 100.0% · of 115 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 | 109 | 94.8% |
| Alabama | 3 | 2.6% |
| Arkansas | 1 | 0.9% |
| Colorado | 1 | 0.9% |
| Louisiana | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 102 |
| Daphne-Fairhope-Foley | 3 |
| New Orleans-Metairie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003CEZ9JGZYJ4J88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 118736 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311431 | 2004–2017 |
Established 15 April 1876. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Bank of Yazoo City's data.
Bank of Yazoo City's data
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Bank of Yazoo City 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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