Efcu Financial 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%
14th23.6% deniedProcesswithdrawn + incomplete share, weight 15%
76th5.6%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 832 | 570 | 22.1% | 22.8% | — | $104M |
| 2024 | 909 | 647 | 15.2% | 16.2% | — | $105M |
| 2025 | 800 | 521 | 22.3% | 23.6% | — | $81M |
What Efcu Financial 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, 1 investment properties.
Who gets approved at Efcu Financial
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 85 | 29 | 50.0% |
| $50k – $100k | 206 | 108 | 34.0% |
| $100k – $150k | 191 | 133 | 19.8% |
| $150k – $250k | 229 | 182 | 11.4% |
| Over $250k | 85 | 67 | 13.6% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 135 | 86 | 22.1% |
| 35–44 | 229 | 158 | 21.4% |
| 45–54 | 190 | 138 | 21.4% |
| 55–64 | 138 | 87 | 21.7% |
| 65–74 | 76 | 36 | 36.8% |
| Over 74 | 24 | 11 | 38.1% |
Where Efcu Financial lends
6 states and 33 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 790 | 518 | 22.0% | — | #39 |
| Mississippi | 5 | 3 | 0.0% | — | #339 |
Frequently asked questions
Efcu Financial denied 23.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 14th percentile of small mortgage lenders.
In 2025, 12% of its applications were for home purchases, 8% for refinancing (including cash-out), and 80% 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.