CSE 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 D 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%
11th26.0% deniedProcesswithdrawn + incomplete share, weight 15%
38th14.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 100 | 71 | 17.0% | 18.3% | 6.50% | $12M |
| 2024 | 175 | 91 | 21.1% | 28.2% | — | $11M |
| 2025 | 243 | 129 | 22.2% | 26.0% | — | $22M |
What CSE 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, 23 manufactured homes, 18 investment properties.
Who gets approved at CSE Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 40 | 13 | 50.0% |
| $50k – $100k | 84 | 38 | 32.4% |
| $100k – $150k | 58 | 38 | 14.0% |
| $150k – $250k | 35 | 17 | 18.5% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 38 | 19 | 30.3% |
| 35–44 | 47 | 20 | 29.0% |
| 45–54 | 52 | 31 | 21.3% |
| 55–64 | 42 | 20 | 29.4% |
| 65–74 | 24 | 15 | 25.0% |
Where CSE Federal Credit Union lends
1 states and 11 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 243 | 129 | 22.2% | — | #101 |
Frequently asked questions
CSE Federal Credit Union denied 26.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 11th percentile of small mortgage lenders.
In 2025, 31% of its applications were for home purchases, 41% for refinancing (including cash-out), and 28% for home improvement or other purposes. By loan type: 93% conventional, 5% 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.