Applications / Mortgage Analytics / Lenders / Mississippi / Century Bank
Lucedale, MS · State non-member bank · FDIC · $552 million assets · 55 loans in 2025
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55
loans originated, 2025
84
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Century Bank, a Mississippi bank that now does most of its lending in Alabama, has shrunk back toward its old size after a burst in 2022 and 2023.
Its originations fell 20% to 55, while similar lenders (state non-member banks making between half and twice as many loans) typically grew 7%. That put it lower than about six in seven of them. But it made 157 loans in 2023, against between 54 and 83 a year from 2018 to 2021. The fall may be a return to its usual size rather than a retreat.
Its typical loan rose to $175,000 from $105,000, which brings it close to the $165,000 at similar lenders. Purchases made up 61.8% of its loans and refinancing 29.1%.
Low- and moderate-income (LMI) borrowers took 16.7% of its loans, against 27.4% at similar lenders, lower than about four in five of them. Its larger loans and its focus on purchases are possible reasons, as is where 55 loans happened to fall. Majority-minority neighborhoods took 16.4%, against 6.4% at its peers.
It has lent in Daphne-Fairhope-Foley, Mobile and Gulfport-Biloxi since at least 1990. It took the name Century Bank in 1999, having been Bank of Lucedale, and merged with Mobile County Bank in 2002.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Century Bank took 84 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.8% · Refinance 29.1% · Home improvement 7.3% · Other 1.8%
Conventional 100.0% · of 55 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 |
|---|---|---|
| Alabama | 40 | 72.7% |
| Mississippi | 15 | 27.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Mobile | 21 |
| Daphne-Fairhope-Foley | 18 |
| Gulfport-Biloxi | 4 |
| Tuscaloosa | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NAIUVHH8SCGC11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 58636 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311448 | 1990–2017 |
Established 1 June 1903. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Century Bank's data.
Century Bank's data
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