Applications / Mortgage Analytics / Lenders / Mississippi / Copiah Bank
Hazlehurst, MS · State member bank · FRS · $329 million assets · 94 loans in 2025
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94
loans originated, 2025
109
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Copiah Bank is a Mississippi lender of small loans, many of them on manufactured homes, and it made 22% more loans in 2025 than in 2024.
Its typical loan was $85,000, smaller than at almost all similar lenders (state member banks making between half and twice as many loans), where it was $175,000. Manufactured homes made up 17.0% of its loans, against 2.0% at peers, and home improvement 13.8%. Its loan count sat near the middle of its peers, but its dollar total, $11.2 million, was lower than at most.
It made 94 loans, 22% more than the 77 of 2024. Similar lenders grew 8%, so it grew faster than about seven in ten of them. It is still short of the 138 loans it made in 2021.
Majority-minority areas took 35.1% of its loans, against 5.5% at peers, higher than at more than nine in ten of them. Poorer neighborhoods (low- and moderate-income, or LMI, tracts) took 24.5%, against 16.8%. The make-up of the Jackson area and the non-metro Mississippi communities it serves may explain much of this.
In Jackson, MS it ranked 48 of 306 lenders with 0.3% of a $2.61B market, down from 0.4%. Trustmark Bank led. Shares are counted in dollars, so its small loans weigh less than its loan count suggests, and a few loans can move a share this small.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Copiah Bank took 109 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 41.5% · Refinance 40.4% · Home improvement 13.8% · Other 4.3%
Conventional 100.0% · of 94 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 | 94 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 88 |
| Hattiesburg | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LM58V37XNHOB58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 398837 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 118178 | 2003–2015 |
| Respondent ID (the HMDA filer code before 2018) | 2398837 | 2016–2017 |
Established 26 October 1891. Reported under HMDA 2003-2025.
Mergers, name changes, data editions and corrections: Copiah Bank's data.
Copiah Bank's data
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