Lender in Mississippi · HMDA 2025
Hope Federal Credit Union mortgages in Mississippi
Hope Federal Credit Union's 2025 home-purchase and refinance lending in Mississippi, compared with all lenders in the state.
Hope Federal Credit Union originated 252 owner-occupied single-family loans in Mississippi from 356 completed applications.
Its median conventional purchase loan costs were $4,330 versus $4,460 for all Mississippi lenders, at a median 30-year fixed rate of 7.00% (Mississippi: 6.625%).
Loans in MS
252
of 356 applications
Denial rate
23.2%
Purchase · MS 11.3%
Rate spread
+0.68 pts
Conv. · MS +0.26 pts
Loan amount
$165,000
Purchase · MS $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 315 | 242 | 23.2% | 7.000% | +0.68 pts | $4,330 | $165,000 |
| Refinance | 8 | 2 | — | — | — | — | — |
| Cash-out refinance | 33 | 8 | 75.8% | — | — | — | — |
*Conventional loans only; medians with at least 20 loans.
Mississippi counties where Hope Federal Credit Union ranks in the top 25
Showing the 30 counties where it ranks highest, of 31.
| County | Rank | Loans | Market share |
|---|---|---|---|
| Jefferson County | 2 | 2 | 14.3% |
| Sunflower County | 3 | 14 | 11.1% |
| Leflore County | 5 | 8 | 5.1% |
| Copiah County | 6 | 6 | 4.4% |
| Winston County | 7 | 5 | 4.6% |
| Claiborne County | 7 | 1 | 5.9% |
| Montgomery County | 8 | 2 | 3.8% |
| Hinds County | 9 | 42 | 2.7% |
| Jones County | 9 | 14 | 2.6% |
| Covington County | 9 | 3 | 2.7% |
| Wayne County | 9 | 2 | 2.5% |
| Humphreys County | 9 | 1 | 2.5% |
| Yazoo County | 10 | 3 | 2.2% |
| Smith County | 10 | 2 | 1.8% |
| Holmes County | 10 | 1 | 3.0% |
| Coahoma County | 12 | 2 | 2.8% |
| Simpson County | 13 | 4 | 2.1% |
| Lincoln County | 14 | 3 | 1.5% |
| Marion County | 15 | 3 | 1.4% |
| Greene County | 16 | 1 | 1.2% |
| Madison County | 18 | 24 | 1.4% |
| Forrest County | 18 | 13 | 1.7% |
| Washington County | 18 | 2 | 0.9% |
| Attala County | 18 | 1 | 0.9% |
| Jasper County | 18 | 1 | 1.3% |
| Lauderdale County | 21 | 5 | 0.9% |
| Perry County | 21 | 1 | 1.3% |
| Scott County | 22 | 1 | 0.6% |
| George County | 24 | 3 | 0.9% |
| Adams County | 24 | 2 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology