Applications / Mortgage Analytics / Lenders / Louisiana / Centric Federal Credit Union
West Monroe, LA · Credit union · NCUA · $420 million assets · 34 loans in 2025
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34
loans originated, 2025
117
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Centric Federal Credit Union, a Louisiana credit union that has lent around Monroe since 1990, made 34 loans in 2025, down from 146 in 2022.
Its loans jumped to 142 in 2021 and 146 in 2022, then fell to 49 in 2024 and 34 in 2025. That 2025 count, down 31% in a year while similar credit unions (those making between half and twice as many loans) held steady, is below the 54 to 74 a year it made from 2018 to 2020. The jump in 2021 and 2022 may have been a burst of refinancing that has since passed; refinancing still made up 55.9% of its loans in 2025.
In Monroe, its largest market, its share fell from 1.1% to 0.5%, and it ranked 36 of 181 lenders. The fall tracks its own drop in lending, from $8.3 million to $4.8 million, rather than a loss in one market alone; which of its loans shrank is not clear from the filings.
Its typical loan was $130,000, larger than at about two-thirds of similar credit unions, where it was $87,500. All its loans were conventional, and refinancing made up 55.9%. Manufactured homes were 11.8% of loans, a kind its typical peer did not make.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Centric Federal Credit Union took 117 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.9% · Purchase 44.1%
Conventional 100.0% · of 34 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 | 34 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Monroe | 24 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TCR1BZRVOO2A49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 283876 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51982 | 1990–2017 |
Established 1 January 1937. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Centric Federal Credit Union's data.
Centric Federal Credit Union's data
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Centric 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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