Applications / Mortgage Analytics / Lenders / Mississippi / Story Bank
Jackson, MS · State non-member bank · FDIC · $989 million assets · 173 loans in 2025
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173
loans originated, 2025
247
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Story Bank, a Jackson, Mississippi bank renamed in 2025, grew its lending by nearly half and makes far bigger loans than similar banks.
It made 173 loans in 2025, up 48% from 117, while similar lenders (state non-member banks making between half and twice as many loans) grew 10%. That is faster than nine in ten of them. It is still below the 231 loans it made in 2020.
Its typical loan, $295,000, was larger than at nearly nine in ten peers, whose typical loan was $175,000. Jumbo loans (larger than the conforming limit) made up 8.2% of its lending against 1.4% at peers, though the share has fallen from 16.1% a year earlier. All its loans were conventional, and 69.9% were for home purchases.
In the Jackson metro it ranks 13 of 306, and its share rose from 0.9% to 1.2%. Its share in Gulfport-Biloxi rose by 0.3 points. It lends in seven states and first lent in the Houston and Baton Rouge metros in 2025.
Only 7.6% of its loans went to low- and moderate-income (LMI) borrowers, against 27.9% at peers, and 7.0% to LMI tracts, against 17.6%. Its larger loans may point to a wealthier clientele, and its purchase-heavy lending may draw buyers with higher incomes. By contrast, 12.1% of its loans were in majority-minority neighborhoods, above the peers' 6.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Story Bank took 247 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 69.9% · Refinance 26.6% · Home improvement 2.9% · Other 0.6%
Conventional 100.0% · of 173 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 | 145 | 83.8% |
| Tennessee | 18 | 10.4% |
| Alabama | 5 | 2.9% |
| Louisiana | 2 | 1.2% |
| Florida | 1 | 0.6% |
| North Carolina | 1 | 0.6% |
| Texas | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 80 |
| Memphis | 24 |
| Gulfport-Biloxi | 3 |
| Birmingham | 2 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Baton Rouge | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Jackson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900SG0DG9VHV3LR79 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2948058 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357069 | 2002–2017 |
Established 12 October 2000. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Story Bank's data.
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Story 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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