Applications / Mortgage Analytics / Lenders / Mississippi / Mutual Federal Credit Union
Vicksburg, MS · Credit union · NCUA · $495 million assets · 94 loans in 2025
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94
loans originated, 2025
282
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Mutual Federal Credit Union, based in Vicksburg, Mississippi, lends mainly for home improvement and other purposes rather than home purchases, and its loans rose 32% in 2025.
Purchases made up only 6.4% of its loans. Other purposes took 46.8%, refinances 25.5% and home improvement 21.3%. Its typical loan was $75,000, against $97,500 at similar lenders, credit unions making between half and twice as many loans, and smaller than at three in four of them. Small loans fit that kind of lending.
Its loans rose 32% to 94, while similar lenders grew 7% and the whole market 10%. That was faster than about three in four of them. It merged with Mississippi Federal Credit Union in 2024, which may account for part of the rise; the record does not say.
Its biggest market is non-metro Mississippi, where it ranks 97 of 438 lenders and Renasant Bank leads. In Jackson it ranks 81 of 306, with a share steady at 0.1%; Trustmark Bank leads there. It lends in 19 counties, all in Mississippi.
Some 23.4% of its loans went to majority-minority neighborhoods, against 9.2% at similar lenders, more than at about seven in ten of them. The share was 35.2% a year earlier.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Mutual Federal Credit Union took 282 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 46.8% · Refinance 25.5% · Home improvement 21.3% · Purchase 6.4%
Conventional 100.0% · of 94 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 | 94 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Jackson | 35 |
| Hattiesburg | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300A7PPGN7EQJ6578 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 960298 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 563584 | 2010–2017 |
Established 1 January 1931. Reported under HMDA 2010-2025.
Mergers, name changes, data editions and corrections: Mutual Federal Credit Union's data.
Mutual Federal Credit Union's data
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Mutual 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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