A refinance lender
Refinancing made up 70.6% of its 51 loans and home purchase 23.5%. Every loan was conventional. Its typical loan, $85,000, was close to the $95,000 at similar lenders (credit unions making between half and twice as many loans).
Applications / Mortgage Analytics / Lenders / Mississippi / Ferguson Federal Credit Union
Ferguson Federal Credit Union
Monticello, MS · Credit union · NCUA · $94.6 million assets · 51 loans in 2025
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51
loans originated, 2025
99
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ferguson Federal Credit Union, a small Mississippi lender first reported in 2023, is mainly a refinance lender, and an unusual share of its loans are on manufactured homes.
Many manufactured homes
Manufactured homes were 13.7% of its loans. The typical similar lender made none, and its share was higher than at more than nine in ten of them.
Growing from a short record
Its loans rose 24%, from 41 to 51, faster than about seven in ten similar lenders, which typically grew by 6%. It first reported in 2023, with 48 loans, so its record covers three years. Earlier years are a gap in the record, not years without lending.
Across Mississippi
It lent in 11 counties. Some 29.4% of its loans were in low- and moderate-income neighborhoods, against 17.6% at similar lenders. Its biggest market is non-metro Mississippi, where it ranks 108 of 438 lenders; Renasant Bank and Cadence Bank lead. In Jackson it ranks 155 of 306.
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, 2023–2025
51 loans in 2025, its most in any year since 2023.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Ferguson Federal Credit Union took 99 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
70.6% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 70.6% · Purchase 23.5% · Home improvement 5.9%
Conventional 100.0% · of 51 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
1 state, 2 metros, 11 counties
| State | Loans | Share |
|---|---|---|
| Mississippi | 51 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Jackson | 5 |
| Hattiesburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549009A2MMICIE00762 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 742681 | 2023–2023 |
Established 1 January 1968. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: Ferguson Federal Credit Union's data.
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