Applications / Mortgage Analytics / Lenders / Mississippi / RiverHills Bank
Vicksburg, MS · State non-member bank · FDIC · $432 million assets · 109 loans in 2025
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109
loans originated, 2025
128
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
RiverHills Bank, of Vicksburg, Mississippi, doubled its home lending in 2025, to 109 loans, faster than almost any similar bank.
Its loans rose 102% from 54 in 2024, while similar banks (banks of the same type making between half and twice as many loans) grew 9% and the whole market 10%. That growth was faster than at nearly all of them. Purchase loans made up 68.8% of its lending. Its typical loan rose from $100,000 to $245,000, against $175,000 at its peers, so it is now making bigger loans as well as more of them.
It entered non-metro Montana and Birmingham in 2025, both far from its Mississippi base. In Jackson its share rose from 0.1% to 0.3%, ranking it 63 of 306 lenders. In non-metro Mississippi, its largest market, it ranked 31 of 438. The figures do not say what drew it there.
Majority-minority neighborhoods took 36.7% of its loans, against 6.1% at similar banks, more than at nearly nine in ten. That is down from 64.8% in 2024. Borrowers with low or moderate incomes took 10.5%, against 27.7%. Bigger purchase loans, and lending in new markets, may account for both falls.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. RiverHills Bank took 128 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 68.8% · Refinance 25.7% · Other 3.7% · Home improvement 1.8%
Conventional 100.0% · of 109 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 | 106 | 97.2% |
| Alabama | 1 | 0.9% |
| Louisiana | 1 | 0.9% |
| Montana | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 14 |
| Birmingham | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300VRPB0NU0485164 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 573335 | 2016–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38234 | 2016–2017 |
Established 1 February 1890. Reported under HMDA 2016-2025.
Mergers, name changes, data editions and corrections: RiverHills Bank's data.
RiverHills Bank's data
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RiverHills 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.
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