Applications / Mortgage Analytics / Lenders / Mississippi / First State Bank
Waynesboro, MS · State non-member bank · FDIC · $950 million assets · 163 loans in 2025
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163
loans originated, 2025
188
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First State Bank, a state non-member bank lending mainly in non-metro Mississippi, filed a report again in 2025 after a gap from 2018 to 2024.
It made 163 loans in 2025, more than the 140 at the typical similar lender (state non-member banks making between half and twice as many loans). It filed no report for 2018 to 2024. That is a gap in the record, not years without lending, so its growth cannot be measured.
Purchases were 43.6% of its loans and refinances 42.9%, and every loan was conventional. Its typical loan was $125,000, against $175,000 at similar lenders, smaller than at about four in five of them.
Majority-minority areas took 28.2% of its loans, against 5.4% at similar lenders, a higher share than at more than four in five; the Mississippi counties it serves may explain that. Low- and moderate-income (LMI) borrowers took 14.0%, against 28.0%, among the lowest tenth. Its mostly non-metro markets are one possible reason. Its share in poorer neighborhoods (LMI tracts), 19.9%, was near the middle.
Its largest market is non-metro Mississippi, where it ranks 40 of 438 lenders; Renasant Bank and Cadence Bank lead there. In Hattiesburg it ranks 52 of 177, with 0.3% of lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. First State Bank took 188 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 43.6% · Refinance 42.9% · Home improvement 6.7% · Other 6.7%
Conventional 100.0% · of 163 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 | 150 | 92.0% |
| Alabama | 10 | 6.1% |
| Texas | 2 | 1.2% |
| South Carolina | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hattiesburg | 10 |
| Gulfport-Biloxi | 7 |
| Jackson | 6 |
| College Station-Bryan | 2 |
| Daphne-Fairhope-Foley | 2 |
| Columbia | 1 |
| Mobile | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900CRPFBFJUTD8P12 | 2025–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 924236 | 2004–2014 |
| Respondent ID (the HMDA filer code before 2018) | 315663 | 2004–2014 |
Established 1 May 1934. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: First State Bank's data.
First State Bank's data
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