Applications / Mortgage Analytics / Lenders / Mississippi / First Southern Bank
Columbia, MS · State non-member bank · FDIC · $295 million assets · 98 loans in 2025
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98
loans originated, 2025
133
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Southern Bank, based in Columbia, Mississippi, makes small conventional loans, mostly to refinance, and in 2025 it won a bigger share of the Hattiesburg market.
Refinancing made up 65.3% of its 98 loans. Its typical loan, $85,000, was about half the $175,000 at similar lenders (state non-member banks making between half and twice as many loans), among the lowest tenth. So although it made about as many loans as its peers, it lent about half as much money: $13.6 million against $27.5 million.
It made 26.8% of its loans in low- and moderate-income (LMI) neighborhoods, against 18.3% at similar lenders, more than nearly three in four of them. Five years earlier the figure was 8.5%. Its 13.3% in majority-minority areas was about double their 6.2%.
Its loans rose 17%, from 84 to 98, while similar lenders grew by 9%. In Hattiesburg, where it has lent since 2001, its share rose from 0.6% to 1.0%; it ranks 26 of 177 lenders, behind Trustmark Bank, the leader. Its lending remains well below the 174 loans it made in 2018.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. First Southern Bank took 133 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 65.3% · Purchase 18.4% · Other 9.2% · Home improvement 7.1%
Conventional 100.0% · of 98 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 | 98 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hattiesburg | 48 |
| Gulfport-Biloxi | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E3YGSOYL74CF74 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 954671 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46468 | 2001–2005 |
| Respondent ID (the HMDA filer code before 2018) | 36468 | 2006–2006 |
| Respondent ID (the HMDA filer code before 2018) | 331158 | 2007–2017 |
Established 28 March 1960. Reported under HMDA 2001-2025.
Mergers, name changes, data editions and corrections: First Southern Bank's data.
First Southern Bank's data
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