A steep fall
Its lending peaked at 54 loans in 2021 and 48 in 2022. It fell to 17 in 2023 and to 2 in each of the past two years. Its lending came to $180,000 in 2025, against $9.2 million five years before. The record does not say why.
Applications / Mortgage Analytics / Lenders / Mississippi / Rivertrust Federal Credit Union
Rivertrust Federal Credit Union
Pearl, MS · Credit union · NCUA · $166 million assets · 2 loans in 2025
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2
loans originated, 2025
2
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rivertrust Federal Credit Union, a Mississippi credit union reporting since 1990, made 2 home loans in 2025, as in 2024, down from 54 in 2021.
Small peers too
Similar lenders, credit unions making between half and twice as many loans, typically made 3 loans. Both of its 2025 loans were conventional home-purchase loans, as were both in 2024. Its history in the public data begins in 1990.
Too few to compare
Its only market is Jackson, MS, where it ranked 281 of 306 lenders. Trustmark Bank leads that market. On 2 loans, its shares of lending to low- and moderate-income borrowers or in minority neighborhoods, and its rate, mean nothing. With 12 similar lenders, the peer comparisons are thin as well.
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
2 loans in 2025, against a peak of 54 in 2021.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rivertrust Federal Credit Union took 2 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
All of its 2025 loans were purchase loans; all were conventional loans.
Purchase 100.0%
Conventional 100.0% · of 2 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, 1 metro, 2 counties
| State | Loans | Share |
|---|---|---|
| Mississippi | 2 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Jackson | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NAZLKUFCJIO704 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 117270 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5473 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Rivertrust Federal Credit Union's data.
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