Ferguson Federal Credit Union in Mississippi vs the state
19.4%Denial rate-3.53 pts vs state
22.9%Decision denial rate-5.56 pts vs state
52.0%Origination rate-0.83 pts vs state
8.75%Median rate+2.00 pts vs state
3.24Rate spread (pts)+2.91 pts vs state
$84kMedian applicant income
51Loans originated
19Denied
Trend in Mississippi
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 130 | 48 | 21.5% | 9.50% | #99 |
| 2024 | 83 | 41 | 24.1% | 9.50% | #126 |
| 2025 | 98 | 51 | 19.4% | 8.75% | #130 |
What Ferguson Federal Credit Union lends in Mississippi
By loan purpose
By loan type
Why it denied Mississippi applicants
Where in Mississippi
Counties with the most Ferguson Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lawrence County | 32 | 21 | 2 | 6.3% |
| Marion County | 16 | 7 | 2 | 12.5% |
| Jefferson Davis County | 12 | 5 | 4 | 33.3% |
| Lincoln County | 11 | 5 | 4 | 36.4% |
| Simpson County | 6 | 3 | 2 | 33.3% |
| Jones County | 6 | 4 | 1 | 16.7% |
| Pike County | 5 | 1 | 2 | 40.0% |
| Lamar County | 3 | 1 | 1 | 33.3% |
| Walthall County | 2 | 2 | 0 | 0.0% |
| Smith County | 1 | 0 | 1 | 100.0% |
Other large lenders in Mississippi
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 6,764 | 48.5% | 10.56% |
| Trustmark National Bank | C | 5,531 | 12.5% | 6.75% |
| Cadence Bank | B | 5,301 | 19.2% | 7.25% |
| Regions Bank | C | 4,916 | 44.7% | 5.75% |
| Rocket Mortgage | C | 4,636 | 24.8% | 6.63% |
| Community Bank of Mississippi | C | 3,856 | 9.0% | 7.65% |
| Renasant Bank | B | 3,188 | 14.3% | 6.99% |
| Triad Financial Services | D | 3,140 | 34.4% | 8.76% |
| Vanderbilt Mortgage and Finance | F | 2,840 | 44.3% | 10.25% |
| BankPlus | B | 2,638 | 10.7% | 6.50% |
Frequently asked questions
Mississippi: 98 applications in 2025, of which 51 were originated and 19 denied.
19.4% of all applications, or 22.9% of the applications it actually decided on. The Mississippi statewide average across all lenders was 22.9%.
The median rate on loans Ferguson Federal Credit Union originated in Mississippi in 2025 was 8.75%, against a statewide median of 6.75%.
About this data. Figures are Ferguson Federal Credit Union's own HMDA filing for properties located in Mississippi, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology