Applications / Mortgage Analytics / Lenders / Mississippi / Great Southern Bank
Meridian, MS · State member bank · FRS · $331 million assets · 93 loans in 2025
Great Southern Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
93
loans originated, 2025
107
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Great Southern Bank's originations rose 31% to 93 in 2025, faster than about three in four similar banks, while its typical loan of $85,000 was among the smallest in its peer group.
Similar lenders here are state member banks making between half and twice as many loans; their growth was 8%. Great Southern's count peaked at 131 in 2022 and fell to 71 in 2024, so 2025 brings it back near its 98 of 2020. It also bought 26 loans, more than almost all similar banks, after buying none the year before.
Its typical loan was about half the $175,000 of similar banks, and its $11.5 million total was among the lowest tenth. Refinance (44.1%) and purchase (43.0%) were nearly even. Lower home prices in non-metro Mississippi, where it ranks 70 of 438, may explain the gap.
26.9% of its loans were in majority-minority tracts, higher than nearly nine in ten similar banks, which may reflect the population of the Mississippi counties it serves. Its 21.1% share to LMI (low- and moderate-income) borrowers was lower than about three in four peers, which could reflect how local incomes compare with area averages.
Its Hattiesburg share fell from 0.4% to 0.1%; with so few loans there, a handful more or fewer can swing that figure. It has lent there since 1993.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Great Southern Bank took 107 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 44.1% · Purchase 43.0% · Home improvement 6.5% · Other 6.5%
Conventional 100.0% · of 93 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 | 90 | 96.8% |
| Alabama | 2 | 2.2% |
| North Carolina | 1 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hattiesburg | 7 |
| Jackson | 3 |
| Daphne-Fairhope-Foley | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KJAE0JN2Z6YV76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 101738 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 117038 | 1993–2014 |
| Respondent ID (the HMDA filer code before 2018) | 2101738 | 2015–2017 |
Established 2 March 1902. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Great Southern Bank's data.
Great Southern Bank's data
$215
Great Southern 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.
Buy Great Southern Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
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.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]