Applications / Mortgage Analytics / Lenders / Mississippi / The Citizens National Bank of Meridian
Meridian, MS · National bank · OCC · $1.8 billion assets · 353 loans in 2025
The Citizens National Bank of Meridian's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
353
loans originated, 2025
487
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Citizens National Bank of Meridian makes far more government-backed loans than similar national banks, and nearly three in ten of its loans go to majority-minority neighborhoods.
Loans insured by the Federal Housing Administration (FHA) made up 13.6% of its lending, against 0.0% at similar lenders (national banks making between half and twice as many loans) and up from 8.0% in 2024. That is more than at all but a few of them. Loans guaranteed by the Department of Veterans Affairs and by the Department of Agriculture's Rural Housing Service add 1.7% each. Only 83.0% of its loans were conventional, against 99.7% at peers.
Of its loans, 29.8% went to majority-minority tracts, against 6.5% at similar lenders, more than at nearly nine in ten. Its share of loans to low- and moderate-income borrowers is 29.0%, above peers' 26.0% and up from 13.9% five years before.
It made 353 loans, against 351 a year earlier, while similar lenders grew 5%. It has lent in Hattiesburg and Jackson, MS since 1996, ranking 17 of 177 lenders in Hattiesburg and 28 of 306 in Jackson; Trustmark Bank leads both. Its largest market is non-metro Mississippi, where it ranks 25 of 438.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Citizens National Bank of Meridian took 487 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.5% · Refinance 26.1% · Home improvement 6.5% · Other 5.9%
Conventional 83.0% · FHA 13.6% · USDA (RHS or FSA) 1.7% · VA 1.7% · of 353 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 | 332 | 94.1% |
| Tennessee | 9 | 2.5% |
| Alabama | 8 | 2.3% |
| Florida | 2 | 0.6% |
| Louisiana | 1 | 0.3% |
| South Carolina | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 67 |
| Hattiesburg | 37 |
| Memphis | 30 |
| Daphne-Fairhope-Foley | 4 |
| Nashville-Davidson--Murfreesboro--Franklin | 2 |
| Charleston-North Charleston | 1 |
| Gulfport-Biloxi | 1 |
| New Orleans-Metairie | 1 |
| Panama City-Panama City Beach | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XFNTNQLLW0HY87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 69333 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 17266 | 1996–2017 |
Established 1 January 1888. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: The Citizens National Bank of Meridian's data.
The Citizens National Bank of Meridian's data
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The Citizens National Bank of Meridian 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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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.
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