Applications / Mortgage Analytics / Lenders / Mississippi / First Bank
McComb, MS · State non-member bank · FDIC · $529 million assets · 131 loans in 2025
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131
loans originated, 2025
158
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Bank, a Mississippi lender of small loans, makes far more of its loans in minority neighborhoods than similar banks do.
Neighborhoods where most residents are minorities took 35.9% of its loans. At similar lenders, state non-member banks making between half and twice as many loans, the figure was 5.4%. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 27.8%, against 17.6%. These shares may follow where it lends; its largest markets are non-metro Mississippi and Jackson.
Its typical loan was $95,000, against $175,000 at similar lenders, among the lowest tenth. Manufactured homes made up 14.5% of its loans, against 3.0%, which may account for part of the gap in size. Purchases and refinancing were each 45.0% of its lending.
It made 131 loans, up 9% from 120, the same rise as at similar lenders. Yet the money it lent fell to $24.9 million from $34.3 million. Its typical loan shrank from $115,000, and it made no jumbo loans (larger than the conforming limit), after 3.9% in 2024.
In Hattiesburg its share fell to 0.7% from 1.2%; Trustmark Bank leads there. Smaller loans, rather than fewer of them, may explain the fall. In Jackson its share rose to 0.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Bank took 158 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.0% · Refinance 45.0% · Other 5.3% · Home improvement 4.6%
Conventional 100.0% · of 131 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 | 125 | 95.4% |
| Florida | 2 | 1.5% |
| South Carolina | 2 | 1.5% |
| Louisiana | 1 | 0.8% |
| Texas | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 27 |
| Hattiesburg | 22 |
| Charleston-North Charleston | 2 |
| Pensacola-Ferry Pass-Brent | 2 |
| College Station-Bryan | 1 |
| Gulfport-Biloxi | 1 |
| Lake Charles | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300P6FMUCIYH31R36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 875936 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 35907 | 2015–2017 |
Established 25 June 1895. Reported under HMDA 2015-2025.
Mergers, name changes, data editions and corrections: First Bank's data.
First Bank's data
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First Bank 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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