Half its 2020 volume
Originations of 8,002 compare with 15,498 in 2020, and growth was slower than about three-quarters of similar lenders, whose loans rose 9%.
Applications / Mortgage Analytics / Lenders / Mississippi / Trustmark Bank
Trustmark Bank
Jackson, MS · State member bank · FRS · $18.9 billion assets · 8,002 loans in 2025
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8,002
loans originated, 2025
10,900
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Trustmark Bank is still the largest lender in Jackson, Mississippi, but its share there fell to 10.5% from 12.0% as its loans slipped 1% in a market that grew 10%.
Losing ground in its home market
It ranks first of 306 lenders in Jackson, ahead of BankPlus and Cadence Bank, but gave up 1.5 points of share. Elsewhere its shares held roughly steady, at 1.9% in Birmingham and 2.5% in Huntsville. Local competitors growing faster, or the bank choosing not to match their pricing, could explain the loss.
A government-loan specialist among banks
Similar lenders are state member banks making between half and twice as many loans. FHA loans (insured by the Federal Housing Administration) were 17.2% of its loans against 5.6%, the highest of the group; VA loans (guaranteed by the Department of Veterans Affairs) were 6.6% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 1.3%, both higher than about nine in ten. Its conventional share of 74.9% was the lowest.
Smaller loans, more LMI borrowers
Its typical loan of $175,000 was lower than about four in five similar lenders', against $220,000, and jumbo loans (larger than the conforming limit) were 2.7%, the lowest. LMI (low- and moderate-income) borrowers took 28.7% of loans against 24.7%, a little above the middle. Its government-loan focus and lending outside the largest cities may explain both.
Questions the data can answer next
- Which Jackson lenders gained the share it lost, and in which counties?
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
8,002 loans in 2025, against a peak of 15,498 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Trustmark Bank took 10,900 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
62.4% of its 2025 loans were purchase loans; 74.9% were Conventional.
Purchase 62.4% · Refinance 19.1% · Other 14.4% · Home improvement 4.1%
Conventional 74.9% · FHA 17.2% · VA 6.6% · USDA (RHS or FSA) 1.3% · of 8,002 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
13 states, 63 metros, 258 counties
| State | Loans | Share |
|---|---|---|
| Mississippi | 4,094 | 51.2% |
| Alabama | 2,645 | 33.1% |
| Florida | 447 | 5.6% |
| Tennessee | 322 | 4.0% |
| Texas | 294 | 3.7% |
| South Carolina | 85 | 1.1% |
| Georgia | 53 | 0.7% |
| Louisiana | 43 | 0.5% |
| Arkansas | 8 | 0.1% |
| North Carolina | 5 | 0.1% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Jackson | 1,656 |
| Memphis | 639 |
| Montgomery | 442 |
| Birmingham | 429 |
| Mobile | 383 |
| Huntsville | 373 |
| Gulfport-Biloxi | 361 |
| Hattiesburg | 301 |
| Daphne-Fairhope-Foley | 278 |
| Houston-Pasadena-The Woodlands | 271 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 01J4SO3XTWZF4PP38209 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 342634 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110523 | 1990–2012 |
| Respondent ID (the HMDA filer code before 2018) | 9342634 | 2013–2017 |
Established 19 December 1889. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Trustmark Bank's data.
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