Applications / Mortgage Analytics / Lenders / Louisiana / Pelican State Credit Union
Baton Rouge, LA · Credit union · NCUA · $801 million assets · 193 loans in 2025
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193
loans originated, 2025
324
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Pelican State Credit Union, a Baton Rouge lender of small refinance loans, grew 17% in 2025 and won a little more of its two biggest markets.
Refinances made up 80.8% of its loans. Its typical loan, $75,000, was smaller than at about four in five similar lenders (credit unions making between half and twice as many loans), where it was $105,000. Manufactured homes took 8.3% of its loans; the typical peer made none.
It made 193 loans in 2025, up from 165, a rise of 17%. Similar lenders grew 7%. Its merger with Postal Credit Union in 2025 may account for some of the rise. It is still well below the 438 loans of 2022.
Its share rose from 0.2% to 0.3% in Baton Rouge, where it ranks 74 of 369, and from 0.0% to 0.1% in New Orleans-Metairie. Postal Credit Union's filings count as its own in these figures, so the gains may partly reflect the merger.
Majority-minority neighborhoods took 23.3% of its loans, about double the 11.0% at similar lenders. Low- and moderate-income (LMI) neighborhoods took 21.7%, more than at about three-quarters of its peers. Its share of LMI borrowers, 28.5%, sat near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Pelican State Credit Union took 324 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 80.8% · Purchase 19.2%
Conventional 100.0% · of 193 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 | 190 | 98.4% |
| Mississippi | 3 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baton Rouge | 95 |
| Lafayette | 14 |
| Alexandria | 13 |
| Lake Charles | 11 |
| Slidell-Mandeville-Covington | 8 |
| Hammond | 7 |
| Houma-Bayou Cane-Thibodaux | 7 |
| New Orleans-Metairie | 6 |
| Monroe | 4 |
| Shreveport-Bossier City | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490058TX0QV62WQ461 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 746595 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562710 | 1990–2017 |
Established 1 January 1956. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Pelican State Credit Union's data.
Pelican State Credit Union's data
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Pelican State 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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