Applications / Mortgage Analytics / Lenders / Mississippi / Singing River Federal Credit Union
Moss Point, MS · Credit union · NCUA · $394 million assets · 66 loans in 2025
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66
loans originated, 2025
93
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Singing River Federal Credit Union, a Mississippi credit union with a record going back to at least 1990, made 61% more loans in 2025 after two years of decline.
Its loans rose to 66 from 41, a faster rise than about seven in eight similar lenders, credit unions making between half and twice as many loans. Their typical growth was 7%, and the whole market's 10%. The 2025 figure is still below the 97 it made in 2022. It filed no report for 2020 or 2021, so those years are a gap in the record, not years without lending.
Its typical loan was $150,000, against $95,000 at the typical peer, larger than at about four in five of them. Nearly half its loans were for home purchase and 39.4% were refinances. Every loan was conventional.
Gulfport-Biloxi is its largest market, where it has lent since at least 1990. It ranked 57 of 319 lenders there and its share rose to 0.3%. CMG Mortgage led, with Keesler Federal Credit Union second. Its share of Mobile also edged up, to 0.1%.
Low- and moderate-income borrowers took 29.2% of its loans, close to the 31.1% at the typical peer and up from 22.5% in 2024. It lends in eight counties across two states.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Singing River Federal Credit Union took 93 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 47.0% · Refinance 39.4% · Other 9.1% · Home improvement 4.5%
Conventional 100.0% · of 66 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 | 62 | 93.9% |
| Alabama | 4 | 6.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Gulfport-Biloxi | 28 |
| Mobile | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549005WP4EISHQKDS45 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 291086 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58694 | 1990–2017 |
Established 1 January 1953. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Singing River Federal Credit Union's data.
Singing River Federal Credit Union's data
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Singing River 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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