Applications / Mortgage Analytics / Lenders / Mississippi / Hope Federal Credit Union
Jackson, MS · Credit union · NCUA · $857 million assets · 623 loans in 2025
Hope Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
623
loans originated, 2025
921
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hope Federal Credit Union is a Mississippi credit union lending mainly for home purchases in LMI (low- and moderate-income) and majority-minority areas, and its loans nearly tripled in 2025, to 623 from 212.
Majority-minority areas took 60.4% of its loans, against 11.0% at similar lenders (credit unions making between half and twice as many loans). LMI borrowers took 61.8%, against 26.9%, and LMI areas 38.4%, against 15.1%. On all three it is higher than about nine in ten peers.
Home purchases made up 93.9% of its loans. FHA loans (insured by the Federal Housing Administration) were 6.1%, where most peers make none. Its typical loan was $125,000, against $105,000 at peers.
Originations rose 194%, against 6% at peers and 10% for the whole market. It made 41 loans in 2023, 212 in 2024 and 623 in 2025, its highest count since 2018. Its 2025 merger with another credit union may be part of the reason.
In Jackson, MS, its largest market, it ranked 32 of 306 lenders, with 0.7% of the market, up from 0.3%; Trustmark Bank led. Its share also rose in Gulfport-Biloxi, to 0.4% from 0.1%, and in New Orleans-Metairie and Memphis. These shares include the filings of the credit union it merged with in 2025, which may account for part of the rise.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Hope Federal Credit Union took 921 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 93.9% · Refinance 3.2% · Home improvement 2.6% · Other 0.3%
Conventional 92.9% · FHA 6.1% · VA 0.6% · USDA (RHS or FSA) 0.3% · of 623 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 | 378 | 60.7% |
| Alabama | 109 | 17.5% |
| Tennessee | 64 | 10.3% |
| Louisiana | 54 | 8.7% |
| Arkansas | 18 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 142 |
| Memphis | 65 |
| Gulfport-Biloxi | 53 |
| New Orleans-Metairie | 47 |
| Mobile | 34 |
| Birmingham | 29 |
| Hattiesburg | 27 |
| Huntsville | 20 |
| Montgomery | 17 |
| Nashville-Davidson--Murfreesboro--Franklin | 16 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493008Q3XBC7O0Q4X02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2342816 | 2006–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568185 | 2006–2010 |
| Respondent ID (the HMDA filer code before 2018) | 524829 | 2011–2017 |
Established 1 January 1995. Reported under HMDA 2006-2025.
Mergers, name changes, data editions and corrections: Hope Federal Credit Union's data.
Hope Federal Credit Union's data
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Hope Federal Credit Union 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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