# KEESLER

> **Canonical URL:** https://saferate.com/lenders/keesler

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

KEESLER is a credit union, headquartered in Biloxi, MS, serving borrowers across 4 states, with 417 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 3% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 41% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300M03EN3OQEDU087
- **Headquarters:** Biloxi, MS
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** AL, FL, LA, MS
- **Markets (MSAs):** 6
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 97/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 59/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** -0.424%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $562
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 417
- **Dollar Volume:** $98 million
- **Applications Received:** 853
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $235,647
- **Average Borrower Income:** $104,863

## Safe Rate Awards 🏆

- ⭐ **FHA Gold Superstar** (78%)
- ⭐ **VA Gold Superstar** (78%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (71%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 49/100 | 99 | +0.138% | $875 | Sound ☺️ |
| FHA | 77/100 | 229 | -0.451% | $404 | Strong 😀 |
| VA | 73/100 | 84 | -1.069% | $686 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 71 loans, Score: 46/100 (Sound)
- Refinance: 28 loans, Score: 52/100 (Sound)

**FHA:**
- Purchase: 202 loans, Score: 76/100 (Strong)
- Refinance: 27 loans, Score: 73/100 (Strong)

**VA:**
- Purchase: 69 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 66/100 | 347 | $83M | -0.436% | Strong 😀 |
| Refinance | 65/100 | 70 | $15M | -0.361% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MS | 364 | 1.46% | 86/100 |
| LA | 26 | 0.07% | 51/100 |
| AL | 19 | 0.03% | 48/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Gulfport | MS | 251 | 100/100 |
| Non |  | 65 | 48/100 |
| Jackson, MS | MS | 36 | 62/100 |
| Slidell | LA | 16 | 53/100 |
| Mobile, AL | AL | 15 | 51/100 |
| Hattiesburg, MS | MS | 14 | 51/100 |

## Frequently Asked Questions

### What loan types does KEESLER offer?

KEESLER offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does KEESLER offer mortgages?

KEESLER offers mortgages in 4 states: AL, FL, LA, MS.

### How competitive are KEESLER's mortgage rates?

KEESLER has a pricing score of 97/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.424% below market average.

### What type of lender is KEESLER?

KEESLER is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Biloxi, MS.

### What is KEESLER's loan approval success rate?

KEESLER has a pull-through score of 59/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/keesler

### How to Cite

> "KEESLER Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/keesler

---

**[View Interactive Profile →](https://saferate.com/lenders/keesler)**