Applications / Mortgage Analytics / Lenders / Mississippi / Keesler Federal Credit Union
Biloxi, MS · Credit union · NCUA · $5.2 billion assets · 1,337 loans in 2025
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1,337
loans originated, 2025
3,127
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Keesler Federal Credit Union is the second-largest lender by dollars in Gulfport-Biloxi, MS, and unlike most credit unions of its size it makes a sizeable share of government-backed loans; its loan count grew 27% in 2025.
Loans insured by the Federal Housing Administration (FHA) were 15.5% of its originations and loans guaranteed by the Department of Veterans Affairs (VA) 8.9%, while the typical similar lender (credit unions making between half and twice as many loans) made none of either. Its purpose mix is broad: purchases 39.3%, refinances 22.6%, home improvement 20.8% and other 17.4%.
Its loan count rose 27%, from 1,053 to 1,337, higher than about five in six similar lenders, whose typical growth was 9%. The rise may partly reflect its 2025 merger with Jefferson Financial Federal Credit Union, though the record cannot separate the two.
In Gulfport-Biloxi, MS, a market it has served since before 1990, it ranked 2 of 319 behind CMG Mortgage, with its share up from 4.8% to 5.5%. In Hattiesburg, MS its share rose from 1.2% to 2.1%.
Low- and moderate-income (LMI) borrowers took 22.6% of its loans, up from 12.7% five years earlier but lower than about seven in ten similar lenders. That may reflect the incomes of the members and markets it serves. Its higher-priced share, 0.4%, was lower than about seven in ten similar lenders.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Keesler Federal Credit Union took 3,127 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 39.3% · Refinance 22.6% · Home improvement 20.8% · Other 17.4%
Conventional 75.2% · FHA 15.5% · VA 8.9% · USDA (RHS or FSA) 0.4% · of 1,337 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 | 1,066 | 79.7% |
| Louisiana | 183 | 13.7% |
| Alabama | 71 | 5.3% |
| Florida | 17 | 1.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Gulfport-Biloxi | 724 |
| Jackson | 115 |
| Hattiesburg | 87 |
| Slidell-Mandeville-Covington | 86 |
| New Orleans-Metairie | 61 |
| Mobile | 48 |
| Baton Rouge | 11 |
| Daphne-Fairhope-Foley | 11 |
| Birmingham | 7 |
| Houma-Bayou Cane-Thibodaux | 5 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M03EN3OQEDU087 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 621571 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55561 | 1990–2017 |
Established 1 January 1947. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Keesler Federal Credit Union's data.
Keesler Federal Credit Union's data
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