Ferguson Federal Credit Union
Ferguson Federal Credit Union received 98 applications in 2025 and made 51 mortgages, in 14 counties across 1 state. The median rate its borrowers got was 8.750% on a median loan of $85,000. Of 83 decisions, 19 were denials — 22.9%, most often for credit history.
| Legal Entity Identifier | 2549009A2MMICIE00762 |
|---|---|
| Applications received | 98 |
| Mortgages made | 51 |
| Denied | 19 |
| Approved, not taken up | 13 |
| Withdrawn or incomplete | 15 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 3.239 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 12 | 8.500% | $145,000 | 9.5% |
| Refinancing | 0 | Under 10 loans | Under 10 loans | 66.7% |
| Cash-out refinancing | 36 | 9.000% | $75,000 | 25.5% |
| Other purposes | 3 | Under 10 loans | Under 10 loans | 25.0% |
Where Ferguson Federal Credit Union lends most
The 14 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Lawrence County, MS | 21 | 8.750% | 7.7% |
| Marion County, MS | 7 | Under 10 loans | 14.3% |
| Jefferson Davis County, MS | 5 | Under 10 loans | 40.0% |
| Lincoln County, MS | 5 | Under 10 loans | 40.0% |
| Jones County, MS | 4 | Under 10 loans | 16.7% |
| Simpson County, MS | 3 | Under 10 loans | 40.0% |
| Walthall County, MS | 2 | Under 10 loans | 0.0% |
| Copiah County, MS | 1 | Under 10 loans | 0.0% |
| Holmes County, MS | 1 | Under 10 loans | 0.0% |
| Lamar County, MS | 1 | Under 10 loans | 33.3% |
| Pike County, MS | 1 | Under 10 loans | 50.0% |
| Covington County, MS | 0 | Under 10 loans | Not published |
| Perry County, MS | 0 | Under 10 loans | Not published |
| Smith County, MS | 0 | Under 10 loans | 100.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.