Applications / Mortgage Analytics / Lenders / Mississippi / First Security Bank
Batesville, MS · State non-member bank · FDIC · $908 million assets · 162 loans in 2025
First Security Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
162
loans originated, 2025
204
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Security Bank, a Batesville, Mississippi bank, makes small loans and lends far more in majority-minority neighborhoods than similar banks do.
Majority-minority neighborhoods took 40.1% of its loans, against 5.3% at similar lenders (state non-member banks making between half and twice as many loans), more than at about nine in ten of them. Low- and moderate-income (LMI) neighborhoods took 30.1%, against 17.4%. LMI borrowers took 33.1%, up from 21.1% a year earlier. The make-up of the Mississippi communities it serves could account for much of this.
Its typical loan was $115,000, against $175,000 at its peers, smaller than at more than eight in ten similar lenders. Home-improvement and other-purpose loans, 9.3% and 10.5% of its book, could account for part of the gap.
It made 162 loans in 2025, the same as in 2024, while similar lenders grew 10%. It made 276 in 2022. Lending in 16 counties, mostly in Mississippi, its count may follow local demand more than the wider market. In non-metro Mississippi it ranks 66 of 438 lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Security Bank took 204 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.9% · Refinance 25.3% · Other 10.5% · Home improvement 9.3%
Conventional 100.0% · of 162 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 | 157 | 96.9% |
| Tennessee | 4 | 2.5% |
| Arkansas | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Memphis | 88 |
| Hot Springs | 1 |
| Jackson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549007UK2BZOOSF6C76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 718145 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317120 | 1997–2017 |
Established 1 July 1952. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: First Security Bank's data.
First Security Bank's data
$215
First Security 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.
Buy First Security Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]