Lender in Mississippi · HMDA 2025
Navy Federal Credit Union mortgages in Mississippi
Navy Federal Credit Union's 2025 home-purchase and refinance lending in Mississippi, compared with all lenders in the state.
Navy Federal Credit Union originated 357 owner-occupied single-family loans in Mississippi from 470 completed applications, making it the state's #22 lender by volume.
Its median conventional purchase loan costs were $3,300 versus $4,460 for all Mississippi lenders, at a median 30-year fixed rate of 6.75% (Mississippi: 6.625%).
Loans in MS
357
of 470 applications
Denial rate
15.6%
Purchase · MS 11.3%
Rate spread
+0.14 pts
Conv. · MS +0.26 pts
Loan amount
$265,000
Purchase · MS $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 353 | 295 | 15.6% | 6.750% | +0.14 pts | $3,300 | $265,000 |
| Refinance | 36 | 21 | 38.9% | — | — | — | $285,000 |
| Cash-out refinance | 81 | 41 | 46.9% | — | — | — | $245,000 |
*Conventional loans only; medians with at least 20 loans.
Mississippi counties where Navy Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Tallahatchie County | 4 | 3 | 7.5% |
| Lauderdale County | 5 | 23 | 4.1% |
| Jefferson County | 5 | 1 | 7.1% |
| Hancock County | 7 | 22 | 3.4% |
| Kemper County | 7 | 1 | 4.0% |
| Bolivar County | 8 | 3 | 1.8% |
| Benton County | 10 | 2 | 2.8% |
| Harrison County | 11 | 90 | 3.0% |
| Pearl River County | 13 | 15 | 2.0% |
| George County | 13 | 7 | 2.0% |
| Oktibbeha County | 17 | 4 | 1.1% |
| Warren County | 17 | 4 | 1.2% |
| Alcorn County | 17 | 2 | 0.7% |
| Clay County | 17 | 2 | 1.7% |
| Perry County | 17 | 1 | 1.3% |
| Wayne County | 18 | 1 | 1.3% |
| Webster County | 18 | 1 | 1.5% |
| Jackson County | 19 | 40 | 2.0% |
| Pike County | 19 | 3 | 1.3% |
| Winston County | 19 | 1 | 0.9% |
| Lowndes County | 20 | 8 | 1.4% |
| Itawamba County | 20 | 2 | 1.0% |
| Clarke County | 20 | 1 | 0.8% |
| Stone County | 21 | 3 | 1.6% |
| Scott County | 21 | 1 | 0.6% |
| Adams County | 23 | 2 | 1.0% |
| Lee County | 24 | 6 | 0.7% |
| Monroe County | 24 | 2 | 0.7% |
| Simpson County | 24 | 2 | 1.0% |
| Jones County | 25 | 4 | 0.7% |
- Navy Federal Credit Union nationwide
- Mississippi mortgage market
- Navy Federal Credit Union in Florida
- Navy Federal Credit Union in Virginia
- Navy Federal Credit Union in Texas
- Navy Federal Credit Union in North Carolina
- Navy Federal Credit Union in Georgia
- Navy Federal Credit Union in Maryland
- Navy Federal Credit Union in California
- Navy Federal Credit Union in South Carolina
- Navy Federal Credit Union in Pennsylvania
- Navy Federal Credit Union in Ohio
- Navy Federal Credit Union in Tennessee
- Navy Federal Credit Union in Washington
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology