Applications / Mortgage Analytics / Lenders / Mississippi / Bank of Wiggins
Wiggins, MS · State non-member bank · FDIC · $230 million assets · 58 loans in 2025
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58
loans originated, 2025
58
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Wiggins makes small loans, many of them refinances and many on manufactured homes, and nearly half go to lower-income neighborhoods.
Its typical loan was $75,000, less than half the $167,500 at similar lenders (lenders of the same type making between half and twice as many loans) and among the smallest few in a hundred. Manufactured homes made up 13.8% of its loans, against 2.7% at similar lenders, and refinances more than half. Smaller loans of that kind help explain a dollar total of just $5.6 million.
Of its loans, 46.6% were in low- and moderate-income (LMI) census tracts, against 18.6% at similar lenders. Only about one in twenty of them had a higher share. Its share of LMI borrowers, by contrast, was near the middle.
Its loan count slipped from 60 to 58, while similar lenders grew by 8%. It has lent in Gulfport-Biloxi and Hattiesburg since 2004. Its share held at 0.2% in Gulfport-Biloxi, where it ranks 82 of 319, and rose to 0.2% in Hattiesburg, where it ranks 64 of 177. It filed no report for 2018 or 2020 to 2022; those years are gaps in the record, not years without 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, 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Bank of Wiggins took 58 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 53.4% · Purchase 25.9% · Other 12.1% · Home improvement 8.6%
Conventional 100.0% · of 58 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 | 58 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Gulfport-Biloxi | 41 |
| Hattiesburg | 13 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493001Q0ZTLEV17B098 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 179335 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38250 | 2004–2013 |
Established 4 December 1916. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Bank of Wiggins's data.
Bank of Wiggins's data
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Bank of Wiggins 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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