Applications / Mortgage Analytics / Lenders / Mississippi / Bank of Commerce
Greenwood, MS · State non-member bank · FDIC · 382 loans in 2025
Bank of Commerce's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
382
loans originated, 2025
487
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Commerce, a Mississippi bank that first reported in 2025, makes small loans, mostly to refinance, and is already a sizeable lender in non-metro Mississippi.
Refinances were 57.9% of its lending and purchases 32.2%. Its typical loan, $75,000, was smaller than at nearly all similar lenders (state non-member banks making between half and twice as many loans), where it was $175,000. Manufactured homes made up 13.9% of its loans, against 1.9% at similar lenders, which may explain part of the small size.
Majority-minority neighborhoods took 40.8% of its loans, against 6.7% at similar lenders, higher than at more than nine in ten of them. Low- and moderate-income (LMI) neighborhoods took 28.6%, against 16.2%. LMI borrowers took 34.8%, also above its peers.
It ranks 20 of 438 lenders in non-metro Mississippi, a market led by Renasant Bank, Cadence Bank and BankPlus. In Jackson, MS it ranks 51 of 306. Its 382 loans were more than at about six in ten similar lenders. Because it first reported in 2025, there is no earlier year to compare.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Commerce took 487 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 57.9% · Purchase 32.2% · Home improvement 5.2% · Other 4.7%
Conventional 100.0% · of 382 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 | 380 | 99.5% |
| Alabama | 1 | 0.3% |
| Florida | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 101 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Gulfport-Biloxi | 1 |
| Hattiesburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 529900YKD9FOL6BFSG98 | 2025–2025 |
Established 3 August 1904. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Bank of Commerce's data.
Bank of Commerce's data
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Bank of Commerce 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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