Applications / Mortgage Analytics / Lenders / Mississippi / Bank of Holly Springs
Holly Springs, MS · State non-member bank · FDIC · $553 million assets · 239 loans in 2025
Bank of Holly Springs's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
239
loans originated, 2025
286
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Holly Springs, a Mississippi bank, makes small loans, many for manufactured homes, and nearly half of them in poorer neighborhoods.
Its typical loan of $85,000 was lower than at about nineteen in twenty similar lenders (state non-member banks making between half and twice as many loans), where it was $175,000. Manufactured homes made up 18.0% of its loans, against 2.6%. Home-improvement and other-purpose loans together took about a third. Both may explain the small loans.
Low- and moderate-income (LMI) neighborhoods took 47.0% of its lending, against 17.5% at similar lenders, more than at nearly all of them. LMI borrowers took 38.3%, against 28.1%. Majority-minority areas took 27.6%, against 6.4%.
Its originations rose 10%, from 218 to 239, in line with 9% at similar lenders and 10% for the market. Its loans jumped from 154 in 2019 to 338 in 2020, the year it merged with Citizens Bank, which may account for part of the rise. It ranks 98 of 438 lenders in non-metro Mississippi.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Holly Springs took 286 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 44.4% · Home improvement 22.6% · Refinance 22.2% · Other 10.9%
Conventional 100.0% · of 239 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 | 205 | 85.8% |
| Tennessee | 31 | 13.0% |
| Alabama | 2 | 0.8% |
| Virginia | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 191 |
| Daphne-Fairhope-Foley | 1 |
| Mobile | 1 |
| Virginia Beach-Chesapeake-Norfolk | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549001R901BOUXDJQ68 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 835743 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38232 | 2004–2017 |
Established 1 February 1869. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Bank of Holly Springs's data.
Bank of Holly Springs's data
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Bank of Holly Springs 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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