Applications / Mortgage Analytics / Lenders / Mississippi / FNB Picayune Bank
Picayune, MS · State member bank · FRS · $282 million assets · 130 loans in 2025
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130
loans originated, 2025
162
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FNB Picayune Bank lends on manufactured homes as few banks do: such homes took 23.1% of its loans, against 2.5% at similar lenders.
Its typical loan was $105,000, against $175,000 at similar lenders (state member banks making between half and twice as many loans), smaller than at nearly all of them. Its manufactured-home lending may account for much of that. The typical loan has still risen, from $75,000 in 2024.
Its loans rose 24%, to 130, against 8% at similar lenders, faster than at about three in four of them. Its count has moved between 82 and 130 since 2019, so 2025 was the high point of that run. It filed no report for 2018, a gap in the record rather than a year without lending.
Its largest market is non-metro Mississippi, where it ranks 54 of 438 lenders. Its share rose in Gulfport-Biloxi, MS, from 0.1% to 0.2%, and in Hattiesburg, MS, from 0.0% to 0.2%.
Low- and moderate-income (LMI) borrowers took 29.3% of its loans, close to the 27.2% at similar lenders. Refinancing made up 44.6% of its lending and purchases 41.5%, all of it conventional.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. FNB Picayune Bank took 162 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 44.6% · Purchase 41.5% · Other 9.2% · Home improvement 4.6%
Conventional 100.0% · of 130 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 | 130 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Gulfport-Biloxi | 23 |
| Hattiesburg | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300JHFXRY8T6LN749 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 568939 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 114592 | 2004–2014 |
Established 31 July 1947. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: FNB Picayune Bank's data.
FNB Picayune Bank's data
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