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Singing River Federal C.U.

Moss Point, MS

Singing River Federal C.U. processed 82 mortgage applications in 2024 per HMDA data reported to the Consumer Financial Protection Bureau (CFPB), originating 41 loans with a 17.1% denial rate. Home Purchase was the primary loan purpose. Based in Moss Point, MS. The approval rate of 50.0% reflects originated loans as a share of all applications.

Why approval and denial rates diverge. Approval (origination) rate and denial rate do not sum to 100% - HMDA records several outcomes beyond approved-and-funded, including files that were approved but not accepted by the applicant, withdrawn, or closed for incompleteness. Singing River Federal C.U.'s 50.0% origination rate tells you how often an application turned into funded money; the 17.1% denial rate is a separate read on underwriting strictness. Most activity concentrated in Conventional loans (82 applications).

How to read this page. These figures are aggregate HMDA disclosures, they describe this lender's overall 2024 book, not your individual odds. Approval and denial rates are shaped by the applicant mix a lender actually receives: credit profile, loan-to-value, debt-to-income, property type, and geography. A lower denial rate at one lender versus another does not necessarily mean easier underwriting, it often reflects borrower self-selection and loan-product specialization. This page is informational data reporting, not financial, legal, or mortgage advice. Compare multiple lenders, read your Loan Estimate carefully, and consult a licensed mortgage professional before applying. Data reflects 2024 disclosures published by the CFPB in 2025.

82
Applications
41
Originated
17.1%
Denial Rate
$139,756
Avg Loan Amount

Lending Activity

Type Applications Originated Denied Avg Loan
Conventional 82 41 14 $139,756

Source: CFPB Home Mortgage Disclosure Act (HMDA) loan/application register HMDA 2024 LAR, application-level mortgage data for Singing River Federal C.U. (LEI: 2549005WP4EISHQKDS45) · 2024 HMDA reports filed annually; covers applications received during the calendar year. Approval rates exclude withdrawn / incomplete applications. Denial reasons are lender-reported.

Loan Purpose Breakdown

Purpose Applications Originated Avg Loan
Home Purchase 49 21 $161,939
Cash-out Refinancing 21 14 $115,476
Home Improvement 10 5 $99,000
Other 1 1 $55,000
Refinancing 1 0 $55,000

Geographic Coverage — Lending by Race

Derived race categories as reported under HMDA. Source: CFPB.

Race Applications Approval Rate Denial Rate
White 59 54.2% 13.6%
Black or African American * 15 40.0% 40.0%
Asian * 2 50.0% 0.0%
American Indian or Alaska Native * 1 0.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Lending by Ethnicity

Hispanic/Latino is an ethnicity, not a race. Shown separately per U.S. Census Bureau standards.

Ethnicity Applications Approval Rate Denial Rate
Not Hispanic or Latino 74 48.6% 18.9%
Hispanic or Latino * 2 100.0% 0.0%

* Fewer than 50 applications -- percentages for this group have wide statistical uncertainty and should not be read as precise.

Nearby Lenders in MS

Other HMDA-reporting lenders in MS with similar activity. Compare any two side-by-side.

Cadence Bank

Tupelo, MS

19,150 apps 12,823 originated 18.2% denied

Trustmark National Bank

JACKSON, MS

11,550 apps 8,088 originated 12.3% denied

Hancock Whitney Bank

GULFPORT, MS

5,857 apps 3,192 originated 20.9% denied

Community Bank of Mississippi

Flowood, MS

4,507 apps 3,490 originated 7.3% denied

BANKPLUS

RIDGELAND, MS

3,698 apps 2,745 originated 10.7% denied
Compare Singing River Federal C.U. vs Cadence Bank →

Mortgage Lending Guides

Frequently Asked Questions

How many mortgage applications did Singing River Federal C.U. process?
Singing River Federal C.U. processed 82 mortgage applications in the 2024 HMDA reporting year. Of these, 41 were originated (approved and funded), 4 were withdrawn by the applicant, and 14 were denied.
What is Singing River Federal C.U.'s mortgage approval rate?
Singing River Federal C.U. has an approval (origination) rate of 50.0%, meaning 50.0% of all applications resulted in a funded mortgage. The denial rate is 17.1%.
What is the average loan amount at Singing River Federal C.U.?
The average mortgage loan amount at Singing River Federal C.U. is $139,756.
What types of mortgage loans does Singing River Federal C.U. offer?
Singing River Federal C.U. processes Conventional loans. The most common type is Conventional with 82 applications and an average loan amount of $139,756.
What loan purposes does Singing River Federal C.U. serve?
Singing River Federal C.U. serves the following loan purposes: Home Purchase (49 applications), Cash-out Refinancing (21 applications), Home Improvement (10 applications), Other (1 applications), Refinancing (1 applications). Home Purchase is the most common purpose.
Where is Singing River Federal C.U. located?
Singing River Federal C.U. is headquartered in Moss Point, MS. The lender is identified by LEI 2549005WP4EISHQKDS45 in HMDA data.
How does Singing River Federal C.U. compare in lending across racial demographics?
Singing River Federal C.U. reports demographic lending data under HMDA requirements. White applicants have an approval rate of 54.2% and denial rate of 13.6%; Black or African American applicants have an approval rate of 40.0% and denial rate of 40.0%; Asian applicants have an approval rate of 50.0% and denial rate of 0.0%. This data reflects derived race categories as reported by applicants.

Data Sources

Data as of 2024. Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024 Snapshot.

Data from FFIEC / CFPB HMDA 2024 Snapshot National Loan-Level Dataset. Demographic data reflects derived categories as reported by applicants. Denial rates include all application outcomes. This data is provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.