Campus Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the B grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
45th10.9% deniedPricingmedian rate spread over APOR, weight 30%
90th-0.15 ptsProcesswithdrawn + incomplete share, weight 15%
70th7.5%Closing coststotal loan costs ÷ loan amount, weight 10%
28th2.57% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 174 | 124 | 12.1% | 13.1% | 7.13% | $16M |
| 2024 | 168 | 115 | 14.3% | 15.6% | 7.25% | $21M |
| 2025 | 199 | 141 | 10.1% | 10.9% | 6.25% | $33M |
What Campus Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 14 investment properties.
Why Campus Federal Credit Union denies applications
Primary reason reported for each of the 20 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Campus Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 49 | 35 | 13.3% |
| $100k – $150k | 37 | 26 | 9.1% |
| $150k – $250k | 46 | 33 | 7.0% |
| Over $250k | 43 | 35 | 2.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 25 | 22 | 0.0% |
| 35–44 | 38 | 19 | 20.6% |
| 45–54 | 44 | 37 | 2.4% |
| 55–64 | 41 | 29 | 15.8% |
| 65–74 | 26 | 15 | 13.6% |
Where Campus Federal Credit Union lends
3 states and 25 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 197 | 141 | 10.2% | 6.25% | #119 |
Frequently asked questions
Campus Federal Credit Union denied 10.9% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 45th percentile of small mortgage lenders.
The most common reason Campus Federal Credit Union gave in 2025 was "credit history", cited on 60.0% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans Campus Federal Credit Union originated in 2025 was 6.25%, and its median rate spread over the average prime offer rate was -0.15 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 45% of its applications were for home purchases, 29% for refinancing (including cash-out), and 27% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.