Mostly refinancing
Two-thirds of its loans, 66.7%, were refinances and the rest purchases. Every loan in 2025 was conventional.
Applications / Mortgage Analytics / Lenders / Louisiana / Wymar Federal Credit Union
Wymar Federal Credit Union
Geismar, LA · Credit union · NCUA · $161 million assets · 84 loans in 2025
Wymar Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
84
loans originated, 2025
134
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Wymar Federal Credit Union is mostly a refinance lender, and its loans rose 27% in 2025 after four years of decline.
Back to growth
Its loans rose from 66 to 84, faster than nearly three-quarters of similar lenders (credit unions making between half and twice as many loans), whose loans grew 7%. That still leaves it well short of the 194 it made in 2020. Its share of the Baton Rouge market edged up from 0.3% to 0.4%, 57th of 369 lenders.
Larger loans, fewer lower-income borrowers
Its typical loan was $145,000, against $95,000 at similar lenders. Only 10.7% of its borrowers were low- and moderate-income (LMI), against 30.2%, among the lowest twentieth of its peers, and 7.1% of its loans went to LMI neighborhoods, among the lowest tenth. A book of refinances serves existing homeowners, who may earn more, and on 84 loans a few borrowers move these shares. Its lending in majority-minority neighborhoods, 9.5%, is 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
84 loans in 2025, against a peak of 194 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Wymar Federal Credit Union took 134 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
66.7% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 66.7% · Purchase 33.3%
Conventional 100.0% · of 84 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
1 state, 6 metros, 15 counties
| State | Loans | Share |
|---|---|---|
| Louisiana | 84 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Baton Rouge | 74 |
| New Orleans-Metairie | 3 |
| Hammond | 2 |
| Houma-Bayou Cane-Thibodaux | 1 |
| Lake Charles | 1 |
| Slidell-Mandeville-Covington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZTLWGMV712KR44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 422282 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512330 | 1996–2017 |
Established 1 January 1958. Reported under HMDA 1996-2025.
Mergers, name changes, data editions and corrections: Wymar Federal Credit Union's data.
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