Applications / Mortgage Analytics / Lenders / Mississippi / The Peoples Bank, Biloxi, Mississippi
Biloxi, MS · State non-member bank · FDIC · $727 million assets · 110 loans in 2025
The Peoples Bank, Biloxi, Mississippi's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
110
loans originated, 2025
138
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Peoples Bank, Biloxi, Mississippi, a Gulf Coast bank that has lent in its home market since at least 1990, made more of its loans to borrowers of modest means than most similar banks.
In Gulfport-Biloxi it ranked 29 of 319 lenders, with a 0.8% share, the same as the year before. The market's leaders were CMG Mortgage and Keesler Federal Credit Union. Its loans rose 12% to 110, slightly faster than similar lenders (state non-member banks making between half and twice as many loans), which grew 9%, and the whole market, which grew 10%.
It made 35.8% of its loans to low- and moderate-income borrowers, up from 22.8% in 2024 and above the peer figure of 27.6%. That was higher than about three in four similar lenders. It also made 14.5% of its loans in majority-minority neighborhoods, against 6.3% at peers.
Refinancing made up 51.8% of its loans, and manufactured homes 10.9%, against 3.3% at similar lenders. Every loan was conventional. Its typical loan, $125,000, was smaller than at about four in five peers, whose typical loan was $175,000; manufactured homes and refinances may explain part of the difference.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Peoples Bank, Biloxi, Mississippi took 138 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 51.8% · Purchase 37.3% · Other 10.0% · Home improvement 0.9%
Conventional 100.0% · of 110 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 | 108 | 98.2% |
| Alabama | 2 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Gulfport-Biloxi | 105 |
| Hattiesburg | 2 |
| Mobile | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900AVP2JVTYYT3V92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 870539 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3340 | 1990–2017 |
Established 13 April 1896. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Peoples Bank, Biloxi, Mississippi's data.
The Peoples Bank, Biloxi, Mississippi's data
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The Peoples Bank, Biloxi, Mississippi 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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