Applications / Mortgage Analytics / Lenders / Louisiana / Jefferson Financial Federal Credit Union
Metairie, LA · Credit union · NCUA · $675 million assets · 40 loans in 2025
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40
loans originated, 2025
77
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Jefferson Financial Federal Credit Union makes few but large loans for a credit union, and its lending has shrunk every year since 2022.
Its typical loan was $240,000, against $90,000 at similar lenders (credit unions making between half and twice as many loans), higher than at about nine in ten. So its 40 loans came to $11.1 million, about double the $5.7 million of a typical peer. Refinances made up 55.0% of its loans.
It made 40 loans in 2025, down 33% from 60, while similar lenders grew 2% and the whole market 10%. It made 153 in 2022. Its share of New Orleans-Metairie, where it has lent since at least 1990, slipped to 0.2% from 0.3%. With refinances more than half its lending, its volume may rise and fall with demand to refinance.
Its typical rate was 5.75%, against 6.75% at similar lenders, among the lowest tenth. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.9% at similar lenders.
A quarter of its loans, 25.0%, went to majority-minority neighborhoods, against 9.1% at similar lenders, more than at about three-quarters of them. But 20.0% went to low- and moderate-income borrowers, against 31.8%. Its large loans are one possible reason for that gap.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Jefferson Financial Federal Credit Union took 77 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.0% · Purchase 42.5% · Other 2.5%
Conventional 100.0% · of 40 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 | 36 | 90.0% |
| Mississippi | 3 | 7.5% |
| Alabama | 1 | 2.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New Orleans-Metairie | 24 |
| Slidell-Mandeville-Covington | 8 |
| Baton Rouge | 4 |
| Gulfport-Biloxi | 3 |
| Daphne-Fairhope-Foley | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003JBN8UEVOU8O42 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 529994 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 560738 | 1990–2016 |
| Respondent ID (the HMDA filer code before 2018) | 524871 | 2017–2017 |
Established 1 January 1966. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Jefferson Financial Federal Credit Union's data.
Jefferson Financial Federal Credit Union's data
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Jefferson 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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