Applications / Mortgage Analytics / Lenders / Louisiana / Carter Federal Credit Union
Springhill, LA · Credit union · NCUA · $737 million assets · 93 loans in 2025
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93
loans originated, 2025
94
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Carter Federal Credit Union, a Louisiana credit union, makes purchase loans about twice the size of its peers', though its loan count fell 19% in 2025.
Its typical loan was $225,000, against $100,000 at similar lenders (credit unions making between half and twice as many loans), higher than about nine in ten. In 2020 it was $105,000. Purchases made up 75.3% of originations.
Originations fell 19% to 93, while similar lenders grew. The count peaked at 162 in 2022. In Shreveport-Bossier City, where it has lent since 1994, its share fell to 0.9%; its smaller count of loans may account for that.
Some 28.6% of its loans were in low- and moderate-income (LMI) neighborhoods, against 17.3% at similar lenders, and 31.2% in majority-minority neighborhoods, both higher than more than three in four of them. Yet only 21.4% went to LMI borrowers, against peers' 30.2%. Its larger purchase loans are one possible reason.
None of its loans were higher-priced (a rate well above the average for similar loans), against 3.4% at similar lenders. Its typical rate, 6.75%, matched theirs.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Carter Federal Credit Union took 94 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 75.3% · Refinance 16.1% · Other 7.5% · Home improvement 1.1%
Conventional 100.0% · of 93 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 | 70 | 75.3% |
| Florida | 11 | 11.8% |
| Texas | 9 | 9.7% |
| Arkansas | 3 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Shreveport-Bossier City | 46 |
| Miami-Miami Beach-Kendall | 9 |
| Fort Worth-Arlington-Grapevine | 3 |
| Alexandria | 2 |
| Baton Rouge | 2 |
| Dallas-Plano-Irving | 2 |
| New Orleans-Metairie | 2 |
| Tyler | 2 |
| Fayetteville-Springdale-Rogers | 1 |
| Hot Springs | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CKG3JGNHH34D61 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 343088 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 59164 | 1994–2017 |
Established 1 January 1954. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Carter Federal Credit Union's data.
Carter Federal Credit Union's data
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Carter 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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