Applications / Mortgage Analytics / Lenders / Alabama / MidSouth Bank
Dothan, AL · State non-member bank · FDIC · $762 million assets · 45 loans in 2025
MidSouth Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
45
loans originated, 2025
51
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MidSouth Bank is a home-purchase lender that grew faster than most banks its size in 2025 and gained ground in its home market of Dothan.
It made 45 loans in 2025, up 45% from 31, while similar lenders, meaning banks of its type making between half and twice as many loans, grew 3% and the whole market 10%. That is faster than close to nine in ten of them. It filed no report for 2020, 2021 or 2022, so the record has a gap there.
Home purchases made up 68.9% of its loans and refinancing only 6.7%. Its typical loan, $175,000, is close to its peers' $165,000.
In Dothan, AL, where it has lent since at least 1990, its share rose from 0.2% to 0.5%, and it ranked 49 of 222 lenders. Mortgage Research Center leads there, with $45.3M. It also ranked 62 of 305 in Auburn-Opelika, AL.
It made 24.4% of its loans in majority-minority neighborhoods, against 5.5% at its peers, and 27.9% in low- and moderate-income neighborhoods, against 18.6%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. MidSouth Bank took 51 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.9% · Home improvement 13.3% · Other 11.1% · Refinance 6.7%
Conventional 100.0% · of 45 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 | 24 | 53.3% |
| Florida | 19 | 42.2% |
| Georgia | 2 | 4.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Auburn-Opelika | 9 |
| Tallahassee | 8 |
| Dothan | 6 |
| Panama City-Panama City Beach | 4 |
| Pensacola-Ferry Pass-Brent | 4 |
| Crestview-Fort Walton Beach-Destin | 3 |
| Columbus | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007O9PUUYS1SVR64 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 929932 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 110102 | 1990–2013 |
| Respondent ID (the HMDA filer code before 2018) | 32777 | 2014–2017 |
Established 1 January 1912. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: MidSouth Bank's data.
MidSouth Bank's data
$215
MidSouth 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.
Buy MidSouth Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]