BANKPLUS

What their website says about applying

• All borrowers are required to complete the financial literacy seminar provided by BankPlus. A Certificate of Completion is required prior to obtaining a CreditPlus Loan. source
• You will then need to establish a CreditPlus Checking and Savings account with BankPlus. source
• Customers who have not obtained a CreditPlus loan within the last seven years must attend a Financial Literacy seminar before receiving a new loan. source
• Visit a Branch to Apply source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• No or thin credit history considered Minimum Credit Score Below 500 or no score source
• Low or damaged credit considered If you are caught up in the Payday Lending cycle or would like to join the banking mainstream with re-established credit, then CreditPlus may be for you. source
• Training or counseling required All borrowers are required to complete the financial literacy seminar provided by BankPlus. A Certificate of Completion is required prior to obtaining a CreditPlus Loan. source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Business and personal loan terms were not detailed on the pages fetched, and no service area is stated. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. Do you lend where I live, or where my business is?
   Their website does not say which area they serve.
2. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
3. Do you need collateral, a business plan or a minimum time in business?
   Their website does not say what they require.
4. Do you offer down-payment help, and is a homebuyer education course required?
   CDFI home loans often come with homebuyer education or down-payment help; their website does not say.
5. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the FDIC as BankPlus (FDIC cert 5903). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.

An office shows where the lender has a branch, not where it lends or whom it lends to.

Figures from the Call Report filed by BankPlus (RSSD 121642, FDIC cert 5903). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.

Loan mix (balances on 30 Jun 2026)

Within consumer loans: auto loans $12.4 million, credit cards $1.3 million.

Small business loans (original amount $1 million or less, balances on 30 Jun 2026)

Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.

BANKPLUS reported 2,733 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $735.5M (median loan about $195,000). 1,366 were home-purchase loans.

Included above: 781 home-equity or other open-end lines of credit; 83 loans on manufactured homes; 52 loans on multifamily (5+ unit) properties.

Where the loans were made

Counties with the most 2025 originations, out of 174 counties with at least one; 72% of its 2025 loans were for properties in Mississippi:

• Madison County, MS (320)
• Hinds County, MS (264)
• Lafayette County, MS (201)
• Rankin County, MS (201)
• Lee County, MS (156)
• DeSoto County, MS (107)
• Pearl River County, MS (83)
• Baldwin County, AL (74)

Filed under LEI 549300SFG15JDKI5MD22 as “BANKPLUS”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.

The SBA's public loan data lists 109 SBA-backed approvals for BANKPLUS in fiscal years 2020–2026 (October 2019 to September 2026):

• 102 7(a) loans as the lender: $90.4M in total (gross amount approved), median $721,700
• 7 504 projects as the third-party (first-lien) lender: $19.1M in total (its own third-party loan amount), median $2M

By fiscal year: FY2020 18 · FY2021 17 · FY2022 15 · FY2023 27 · FY2024 11 · FY2025 3 · FY2026 18.

How this lender was matched in the SBA files: FDIC cert 5903, found through the RSSD ID on the CDFI Fund list (SBA lists “BankPlus”); 504 third-party lender name: same name, state and city (SBA lists “BankPlus”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. BANKPLUS may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

Other certified CDFIs in Belzoni and Mississippi

• Guaranty Bank and Trust CompanyBank or thrift · Belzoni, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Credit-builder loans…Verified
• Guaranty Capital CorporationBank holding company · Belzoni, MSOfficial list only
• BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
• Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
• Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
• Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified

All 96 CDFIs in Mississippi