Applications / Mortgage Analytics / Lenders / Louisiana / La Capitol Federal Credit Union
Baton Rouge, LA · Credit union · NCUA · $786 million assets · 145 loans in 2025
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145
loans originated, 2025
374
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
La Capitol Federal Credit Union, of Baton Rouge, makes small home-improvement and other-purpose loans across Louisiana.
Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at about nine in ten of them. Home improvement made up 33.1% of its lending and other purposes 28.3%. Every loan was conventional and none was jumbo.
Its typical rate was 5.99%, lower than at about nine in ten similar lenders, where it was 6.75%. Higher-priced loans (a rate well above the average for similar loans) were 1.4% of its total, against 2.6%.
It made 145 loans, down 7% from 156, while similar lenders grew 9% and the whole market 10%. Its Baton Rouge share slipped to 0.2% from 0.3%; it ranks 89 of 369 there. With 145 loans, small swings in demand for home-improvement and other loans could account for the movement.
Majority-minority neighborhoods took 29.7% of its loans, against 9.8% at similar lenders. Low- and moderate-income (LMI) borrowers took 20.0%, against 28.9%. Its tilt toward home-improvement and other loans rather than purchases may account for part of that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. La Capitol Federal Credit Union took 374 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 33.1% · Other 28.3% · Purchase 23.4% · Refinance 15.2%
Conventional 100.0% · of 145 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 | 145 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baton Rouge | 56 |
| New Orleans-Metairie | 26 |
| Alexandria | 11 |
| Hammond | 11 |
| Houma-Bayou Cane-Thibodaux | 6 |
| Monroe | 6 |
| Lafayette | 4 |
| Slidell-Mandeville-Covington | 4 |
| Shreveport-Bossier City | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300V1ZDKDQXFW3339 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 23184 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 514568 | 1990–2017 |
Established 1 January 1961. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: La Capitol Federal Credit Union's data.
La Capitol Federal Credit Union's data
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La Capitol 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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