Efcu Financial in Louisiana vs the state
22.0%Denial rate-0.14 pts vs state
23.3%Decision denial rate-4.86 pts vs state
65.6%Origination rate+13.60 pts vs state
—Median rate
—Rate spread (pts)
$126kMedian applicant income
518Loans originated
174Denied
Trend in Louisiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 825 | 568 | 21.9% | — | #36 |
| 2024 | 899 | 645 | 14.6% | — | #33 |
| 2025 | 790 | 518 | 22.0% | — | #39 |
What Efcu Financial lends in Louisiana
By loan purpose
By loan type
Where in Louisiana
Counties with the most Efcu Financial applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| East Baton Rouge Parish | 286 | 174 | 76 | 26.6% |
| Livingston Parish | 168 | 125 | 24 | 14.3% |
| Ascension Parish | 166 | 102 | 36 | 21.7% |
| Pointe Coupee Parish | 20 | 13 | 7 | 35.0% |
| West Feliciana Parish | 17 | 12 | 4 | 23.5% |
| East Feliciana Parish | 17 | 15 | 1 | 5.9% |
| West Baton Rouge Parish | 17 | 8 | 6 | 35.3% |
| Tangipahoa Parish | 15 | 12 | 1 | 6.7% |
| St. Tammany Parish | 13 | 9 | 3 | 23.1% |
| Lafayette Parish | 12 | 8 | 3 | 25.0% |
Other large lenders in Louisiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 7,057 | 49.0% | 10.10% |
| United Shore Financial Services | B | 6,264 | 13.1% | 6.38% |
| Rocket Mortgage | C | 5,770 | 25.9% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 4,370 | 45.6% | 10.50% |
| Triad Financial Services | D | 3,867 | 49.7% | 8.73% |
| Hancock Whitney Bank | B | 3,536 | 21.7% | 6.00% |
| Regions Bank | C | 3,356 | 45.8% | 6.00% |
| GMFS | A | 3,072 | 2.0% | 6.50% |
| Newrez | D | 2,664 | 21.1% | 6.50% |
| Dsld Mortgage | A | 2,545 | 6.3% | 6.13% |
Frequently asked questions
Louisiana: 790 applications in 2025, of which 518 were originated and 174 denied.
22.0% of all applications, or 23.3% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Efcu Financial's own HMDA filing for properties located in Louisiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology