Applications / Mortgage Analytics / Lenders / Mississippi / Peoples Bank
Mendenhall, MS · State non-member bank · FDIC · $485 million assets · 374 loans in 2025
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374
loans originated, 2025
566
applications, 2025
40
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Bank is a small Mississippi bank with a national reach: it lent in 40 states, and most of its loans were insured by the Federal Housing Administration.
FHA loans (insured by the Federal Housing Administration) were 60.4% of its lending. Similar lenders (state non-member banks making between half and twice as many loans) typically made none, so its share is higher than at almost all of them. VA loans (guaranteed by the Department of Veterans Affairs) added 5.1%.
Its loans came from 40 states and 221 counties. In Jackson, its largest market, it ranked 55 of 306 lenders with 0.3%, unchanged; Trustmark Bank led. In its other big markets, such as Atlanta and Tampa, its share is too small to show.
Low- and moderate-income (LMI) areas took 23.6% of its loans, against 16.4% at peers, and majority-minority areas 25.4%, against 6.7%, more than at about four in five peers. Its government-backed lending and the markets it serves are possible reasons.
Originations rose 4% to 374, against 9% at peers and 10% for the whole market. They have stayed between 352 and 374 since 2023, below the 552 of 2019. Purchases and refinances were nearly even, at 50.0% and 46.3%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peoples Bank took 566 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 50.0% · Refinance 46.3% · Home improvement 2.1% · Other 1.6%
FHA 60.4% · Conventional 31.8% · VA 5.1% · USDA (RHS or FSA) 2.7% · of 374 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 | 123 | 32.9% |
| Georgia | 24 | 6.4% |
| Pennsylvania | 21 | 5.6% |
| Florida | 18 | 4.8% |
| Kentucky | 14 | 3.7% |
| Arizona | 13 | 3.5% |
| Kansas | 12 | 3.2% |
| Missouri | 10 | 2.7% |
| Tennessee | 10 | 2.7% |
| Alabama | 9 | 2.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 60 |
| Kansas City | 13 |
| Phoenix-Mesa-Chandler | 8 |
| Atlanta-Sandy Springs-Roswell | 7 |
| Hattiesburg | 6 |
| Pittsburgh | 6 |
| Louisville/Jefferson County | 5 |
| Memphis | 5 |
| St. Louis | 5 |
| Gulfport-Biloxi | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930032OCUOR526IR93 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 70638 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39366 | 2003–2017 |
Established 5 November 1908. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Peoples Bank's data.
Peoples Bank's data
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Peoples 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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