SUNBELT Federal Credit Union
SUNBELT Federal Credit Union received 102 applications in 2025 and made 59 mortgages, in 20 counties across 1 state. The median rate its borrowers got was 5.250% on a median loan of $95,000. Of 77 decisions, 18 were denials — 23.4%, most often for collateral. 22 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300167EZ5P8B06R34 |
|---|---|
| Applications received | 102 |
| Mortgages made | 59 |
| Denied | 18 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 25 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.2 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 | 11 | 4.990% | $185,000 | 21.4% |
| Cash-out refinancing | 47 | 5.250% | $85,000 | 24.2% |
| Other purposes | 1 | Under 10 loans | Under 10 loans | 0.0% |
Where SUNBELT Federal Credit Union lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Jones County, MS | 18 | 5.120% | 14.3% |
| Forrest County, MS | 8 | Under 10 loans | 0.0% |
| Lamar County, MS | 8 | Under 10 loans | 0.0% |
| Pike County, MS | 5 | Under 10 loans | 16.7% |
| Harrison County, MS | 4 | Under 10 loans | 0.0% |
| Covington County, MS | 2 | Under 10 loans | 33.3% |
| Jackson County, MS | 2 | Under 10 loans | 0.0% |
| Jasper County, MS | 2 | Under 10 loans | 0.0% |
| Wayne County, MS | 2 | Under 10 loans | 33.3% |
| George County, MS | 1 | Under 10 loans | 0.0% |
| Jefferson Davis County, MS | 1 | Under 10 loans | 0.0% |
| Noxubee County, MS | 1 | Under 10 loans | 0.0% |
| Oktibbeha County, MS | 1 | Under 10 loans | 0.0% |
| Pearl River County, MS | 1 | Under 10 loans | 0.0% |
| Perry County, MS | 1 | Under 10 loans | 0.0% |
| Rankin County, MS | 1 | Under 10 loans | 0.0% |
| Smith County, MS | 1 | Under 10 loans | 66.7% |
| Greene County, MS | 0 | Under 10 loans | 100.0% |
| Madison County, MS | 0 | Under 10 loans | Not published |
| Simpson County, MS | 0 | Under 10 loans | Not published |
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When SUNBELT Federal Credit Union’s figures are published for the next year, or restated.
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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.