Applications / Mortgage Analytics / Lenders / Louisiana / EFCU Financial Federal Credit Union
Baton Rouge, LA · Credit union · NCUA · $1.2 billion assets · 521 loans in 2025
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521
loans originated, 2025
800
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
EFCU Financial Federal Credit Union is a Baton Rouge credit union that lends mostly for other purposes, and whose originations fell 19% in 2025 while similar credit unions grew.
Other purposes made up 65.8% of its loans, purchases 12.7% and refinances 12.1%. All were conventional and none was jumbo (larger than the conforming limit). Its typical loan, $105,000, matched that of similar lenders (credit unions making between half and twice as many loans).
Originations fell 19% to 521, while the typical peer grew 6% and the whole market 10%, which puts it among the lowest tenth of peers. The 2024 figure, 647, was the highest of any year since 2018; 2025 is close to its 2022 and 2023 levels of 609 and 570, and well above the 302 of 2020.
It ranks 10 of 369 lenders in Baton Rouge, with 1.9% of the dollars against 2.9% a year earlier, in a market led by United Wholesale Mortgage, GMFS and Hancock Whitney Bank. One possible reason is its own lower dollar volume, $80.8 million against $104.9 million.
12.1% of its loans went to low- and moderate-income (LMI) borrowers, against 27.5% for peers, lower than more than nine in ten. Possible reasons are the membership it serves and its weight in other-purpose loans. Its share in majority-minority tracts, 15.4%, was higher than the 10.7% of peers.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. EFCU Financial Federal Credit Union took 800 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 65.8% · Purchase 12.7% · Refinance 12.1% · Home improvement 9.4%
Conventional 100.0% · of 521 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Louisiana | 518 | 99.4% |
| Mississippi | 3 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baton Rouge | 460 |
| New Orleans-Metairie | 15 |
| Hammond | 12 |
| Lafayette | 9 |
| Slidell-Mandeville-Covington | 9 |
| Houma-Bayou Cane-Thibodaux | 6 |
| Alexandria | 2 |
| Gulfport-Biloxi | 1 |
| Shreveport-Bossier City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300U18MOAH5F95P15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 861676 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513 | 1990–2017 |
Established 1 January 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: EFCU Financial Federal Credit Union's data.
EFCU Financial Federal Credit Union's data
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EFCU Financial Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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