Applications / Mortgage Analytics / Lenders / Mississippi / Community Bank of Mississippi
Flowood, MS · State non-member bank · FDIC · $5.0 billion assets · 3,869 loans in 2025
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3,869
loans originated, 2025
4,961
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Bank of Mississippi is a Mississippi bank growing in line with the market, slipping in Jackson and Gulfport-Biloxi while gaining along the Florida and Alabama Gulf Coast.
It ranks 4 of 306 in Jackson, where its share fell to 5.2% from 5.8%, and 6 of 319 in Gulfport-Biloxi, down to 3.8% from 4.3%. It gained in Crestview-Fort Walton Beach-Destin, to 1.6% from 1.2%, and in Daphne-Fairhope-Foley, to 2.3% from 1.8%. Originations rose 11%, near the middle of similar lenders, state non-member banks making between half and twice as many loans.
Its typical rate of 7.50% was higher than nearly all similar lenders' (6.50%). Manufactured homes, 6.4% of loans against 1.2%, smaller loans ($125,000 against $225,000) and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service), 0.9% against 0.3%, are possible reasons.
Majority-minority areas had 24.8% of its loans against 10.2%, higher than about four in five similar lenders, and LMI (low- and moderate-income) areas 19.5% against 15.7%. LMI borrowers took 19.7% against 28.6%, lower than about five in six; its borrowers in those areas may have higher incomes than their neighbours.
It turned down 9.9% of first-lien refinance applications on owner-occupied homes against 19.0%, lower than about four in five similar lenders; for home purchases its 7.3% was near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community Bank of Mississippi took 4,961 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 41.4% · Purchase 39.0% · Home improvement 10.2% · Other 9.5%
Conventional 94.3% · FHA 4.1% · USDA (RHS or FSA) 0.9% · VA 0.7% · of 3,869 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 | 3,017 | 78.0% |
| Alabama | 513 | 13.3% |
| Florida | 251 | 6.5% |
| Tennessee | 68 | 1.8% |
| Louisiana | 9 | 0.2% |
| Arkansas | 4 | 0.1% |
| Georgia | 3 | 0.1% |
| North Carolina | 2 | 0.1% |
| Illinois | 1 | 0.0% |
| Missouri | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 909 |
| Gulfport-Biloxi | 419 |
| Memphis | 225 |
| Daphne-Fairhope-Foley | 200 |
| Hattiesburg | 192 |
| Mobile | 170 |
| Crestview-Fort Walton Beach-Destin | 141 |
| Birmingham | 103 |
| Panama City-Panama City Beach | 69 |
| Pensacola-Ferry Pass-Brent | 33 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493005QK4NV0ZZ5EM64 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 460033 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2460033 | 1996–1996 |
| Respondent ID (the HMDA filer code before 2018) | 38879 | 1997–2017 |
Established 14 August 1905. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Community Bank of Mississippi's data.
Community Bank of Mississippi's data
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Community Bank of Mississippi 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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