Applications / Mortgage Analytics / Lenders / Mississippi / BankPlus
Belzoni, MS · State member bank · FRS · $8.1 billion assets · 2,733 loans in 2025
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2,733
loans originated, 2025
3,744
applications, 2025
22
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
BankPlus is a Mississippi bank that ranks 2 of 306 in Jackson and 3 of 438 in non-metro Mississippi, with originations of 2,733 in 2025 against 2,745 the year before.
In Jackson it ranks behind only Trustmark Bank, with 7.6% of loan dollars against 8.1% a year earlier, and it has lent there since before 1990. In non-metro Mississippi it ranks behind Renasant Bank and Cadence Bank. Its originations held flat while similar banks' rose 2% and the whole market's 10%, which could explain the small slip in Jackson.
Its share fell to 1.2% from 2.4% in New Orleans-Metairie and to 0.9% from 2.4% in Crestview-Fort Walton Beach-Destin. Flat originations in a growing market could explain part of it; fewer large loans could too, since jumbo loans (larger than the conforming limit) fell to 3.3% from 3.8%.
Similar lenders are state member banks making between half and twice as many loans. FHA loans (insured by the Federal Housing Administration) were 4.5% against 2.3%. VA loans (guaranteed by the Department of Veterans Affairs) were 2.1% against 0.6%, higher than about three in four similar banks. Loans in majority-minority areas were 21.0% against 11.4%, higher than about four in five.
Originations peaked at 3,096 in 2021 and have stayed between 2,556 and 2,745 since. The filings of State Bank & Trust Company (merged 2020) and First Bank and Trust (merged 2022) count as BankPlus's in the competition figures.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. BankPlus took 3,744 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 30.6% · Home improvement 13.2% · Other 6.3%
Conventional 93.3% · FHA 4.5% · VA 2.1% · USDA (RHS or FSA) 0.2% · of 2,733 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 | 1,973 | 72.2% |
| Alabama | 311 | 11.4% |
| Louisiana | 282 | 10.3% |
| Florida | 109 | 4.0% |
| Tennessee | 28 | 1.0% |
| Georgia | 5 | 0.2% |
| Texas | 5 | 0.2% |
| North Carolina | 3 | 0.1% |
| South Carolina | 3 | 0.1% |
| Illinois | 2 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 865 |
| Memphis | 144 |
| Baton Rouge | 112 |
| New Orleans-Metairie | 85 |
| Dothan | 78 |
| Daphne-Fairhope-Foley | 74 |
| Mobile | 72 |
| Gulfport-Biloxi | 70 |
| Crestview-Fort Walton Beach-Destin | 63 |
| Slidell-Mandeville-Covington | 38 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SFG15JDKI5MD22 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 121642 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35903 | 1990–2017 |
Established 1 January 1909. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: BankPlus's data.
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