HOPE FEDERAL CREDIT UNION
HOPE FEDERAL CREDIT UNION received 921 applications in 2025 and made 623 mortgages, in 98 counties across 5 states. The median rate its borrowers got was 6.625% on a median loan of $125,000. Of 912 decisions, 289 were denials — 31.7%, most often for other.
| Legal Entity Identifier | 5493008Q3XBC7O0Q4X02 |
|---|---|
| Applications received | 921 |
| Mortgages made | 623 |
| Denied | 289 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 9 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.625 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 | 585 | 6.625% | $135,000 | 26.6% |
| Refinancing | 3 | Under 10 loans | Under 10 loans | 78.6% |
| Cash-out refinancing | 17 | 7.000% | $85,000 | 79.3% |
| Other purposes | 18 | 6.375% | $95,000 | 5.3% |
Where HOPE FEDERAL CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Hinds County, MS | 60 | 6.750% | 35.5% |
| Shelby County, TN | 41 | 6.625% | 38.8% |
| Madison County, MS | 40 | 6.500% | 13.0% |
| Mobile County, AL | 34 | 6.750% | 22.7% |
| Harrison County, MS | 30 | 6.750% | 23.1% |
| Jefferson County, AL | 26 | 6.875% | 38.1% |
| Jefferson Parish, LA | 26 | 6.813% | 21.2% |
| Sunflower County, MS | 25 | 6.125% | 26.5% |
| Forrest County, MS | 20 | 6.813% | 25.9% |
| Jackson County, MS | 18 | 6.813% | 41.9% |
| Jones County, MS | 18 | 7.000% | 30.8% |
| Rankin County, MS | 17 | 6.750% | 45.2% |
| Madison County, AL | 16 | 6.500% | 27.3% |
| Montgomery County, AL | 16 | 7.063% | 36.0% |
| DeSoto County, MS | 16 | 7.000% | 27.3% |
| Orleans Parish, LA | 14 | 6.625% | 39.1% |
| Copiah County, MS | 12 | 6.938% | 0.0% |
| Leflore County, MS | 11 | 6.875% | 0.0% |
| Lauderdale County, MS | 9 | Under 10 loans | 35.7% |
| Winston County, MS | 7 | Under 10 loans | 22.2% |
| Davidson County, TN | 7 | Under 10 loans | 30.0% |
| Jefferson County, AR | 6 | Under 10 loans | 0.0% |
| Simpson County, MS | 6 | Under 10 loans | 14.3% |
| Morgan County, AL | 5 | Under 10 loans | 50.0% |
| George County, MS | 5 | Under 10 loans | 16.7% |
| Hancock County, MS | 5 | Under 10 loans | 37.5% |
| Lamar County, MS | 5 | Under 10 loans | 28.6% |
| Marion County, MS | 5 | Under 10 loans | 16.7% |
| Limestone County, AL | 4 | Under 10 loans | 0.0% |
| Crittenden County, AR | 4 | Under 10 loans | 33.3% |
| St. John the Baptist Parish, LA | 4 | Under 10 loans | 0.0% |
| St. Tammany Parish, LA | 4 | Under 10 loans | 42.9% |
| Lincoln County, MS | 4 | Under 10 loans | 55.6% |
| Washington County, MS | 4 | Under 10 loans | 55.6% |
| Wayne County, MS | 4 | Under 10 loans | 0.0% |
| Rutherford County, TN | 4 | Under 10 loans | 33.3% |
| Baldwin County, AL | 3 | Under 10 loans | 40.0% |
| Shelby County, AL | 3 | Under 10 loans | 0.0% |
| Washington County, AR | 3 | Under 10 loans | 40.0% |
| St. Bernard Parish, LA | 3 | Under 10 loans | 40.0% |
| Adams County, MS | 3 | Under 10 loans | 0.0% |
| Attala County, MS | 3 | Under 10 loans | 0.0% |
| Clay County, MS | 3 | Under 10 loans | 40.0% |
| Coahoma County, MS | 3 | Under 10 loans | 25.0% |
| Covington County, MS | 3 | Under 10 loans | 25.0% |
| Jasper County, MS | 3 | Under 10 loans | 40.0% |
| Jefferson County, MS | 3 | Under 10 loans | 25.0% |
| Marshall County, MS | 3 | Under 10 loans | 0.0% |
| Montgomery County, MS | 3 | Under 10 loans | 0.0% |
| Warren County, MS | 3 | Under 10 loans | 25.0% |
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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.