Applications / Mortgage Analytics / Lenders / Mississippi / Sunbelt Federal Credit Union
Hattiesburg, MS · Credit union · NCUA · $348 million assets · 59 loans in 2025
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59
loans originated, 2025
113
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sunbelt Federal Credit Union is a Mississippi lender that mostly refinances homes and makes about three times as large a share of its loans in majority-minority neighborhoods as similar credit unions.
Refinances made up 79.7% of its loans in 2025 and home purchases 18.6%. Every loan was conventional, none insured by the Federal Housing Administration or guaranteed by a veterans' or rural-housing program. Its typical loan, $95,000, matched that of similar lenders (credit unions making between half and twice as many loans).
It made 59 loans, down 11% from 66, while similar lenders grew by 7% and the market by 10%. The longer record is uneven. It made 69 loans in 2019, only 12 in 2020 and 15 in 2021, then 76 in 2023. The figures do not say why lending fell so sharply in those two years.
Majority-minority neighborhoods took 28.8% of its loans, against 9.6% for similar lenders, higher than about three in four of them. Low- and moderate-income neighborhoods took 21.1%, a little above the peers' 17.3%. All its lending is in Mississippi, across 17 counties, and the places it serves are a plausible explanation.
In Hattiesburg, where it has lent since 1996, it ranks 56 of 177 lenders. Trustmark Bank leads that market. In non-metro Mississippi it ranks 112 of 438.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sunbelt Federal Credit Union took 113 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 79.7% · Purchase 18.6% · Not applicable 1.7%
Conventional 100.0% · of 59 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 | 59 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hattiesburg | 17 |
| Gulfport-Biloxi | 6 |
| Jackson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300167EZ5P8B06R34 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 303381 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58905 | 1996–2017 |
Established 1 January 1953. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Sunbelt Federal Credit Union's data.
Sunbelt Federal Credit Union's data
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Sunbelt 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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