Applications / Mortgage Analytics / Lenders / Mississippi / Grand Bank for Savings
Hattiesburg, MS · Savings institution · OCC · $277 million assets · 145 loans in 2025
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145
loans originated, 2025
237
applications, 2025
21
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Grand Bank for Savings, a Mississippi savings institution, buys more loans than it makes, and lends to poorer borrowers and neighborhoods far more often than similar lenders.
It bought 249 loans in 2025 and originated 145; a year earlier it bought 792. The typical similar lender (savings institutions making between half and twice as many loans) bought none. Its own originations rose 13%, against 6% at similar lenders.
Low- and moderate-income (LMI) borrowers took 43.4% of its loans, against 24.8% at similar lenders, and LMI areas 31.2%, against 17.1%. Both shares were higher than at about nine in ten peers. Majority-minority areas took 26.6%, against 6.7%, down from 49.2% a year earlier.
FHA loans (insured by the Federal Housing Administration) were 9.7% of its originations, VA loans (guaranteed by the Department of Veterans Affairs) 2.1% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 1.4%. Peers typically made none. Other-purpose loans were 25.5% of its lending.
In Hattiesburg, where it has lent since 2001, it ranked 22 of 177 lenders, and its share rose 0.6 points to 1.3%. Trustmark Bank led the market.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Grand Bank for Savings took 237 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 56.6% · Other 25.5% · Refinance 17.2% · Home improvement 0.7%
Conventional 86.9% · FHA 9.7% · VA 2.1% · USDA (RHS or FSA) 1.4% · of 145 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 | 79 | 54.5% |
| Indiana | 17 | 11.7% |
| Tennessee | 6 | 4.1% |
| Texas | 6 | 4.1% |
| Oklahoma | 5 | 3.4% |
| Florida | 4 | 2.8% |
| Kentucky | 4 | 2.8% |
| Louisiana | 4 | 2.8% |
| Ohio | 3 | 2.1% |
| Illinois | 2 | 1.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hattiesburg | 61 |
| Indianapolis-Carmel-Greenwood | 16 |
| Oklahoma City | 5 |
| Cincinnati | 3 |
| Dallas-Plano-Irving | 3 |
| Jackson | 3 |
| Lexington-Fayette | 3 |
| Nashville-Davidson--Murfreesboro--Franklin | 3 |
| Chicago-Naperville-Schaumburg | 2 |
| Gulfport-Biloxi | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DM6DAOPSF8HL78 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 68671 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 47547 | 2001–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1707547 | 2011–2017 |
Established 1 January 1968. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: Grand Bank for Savings's data.
Grand Bank for Savings's data
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Grand Bank for Savings 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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