Empeople Credit Union in Louisiana vs the state
26.5%Denial rate+4.30 pts vs state
34.6%Decision denial rate+6.47 pts vs state
50.0%Origination rate-1.97 pts vs state
6.49%Median rate-0.13 pts vs state
-0.23Rate spread (pts)-0.59 pts vs state
$108kMedian applicant income
17Loans originated
9Denied
Trend in Louisiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 24 | 27.3% | 7.49% | #276 |
| 2024 | 31 | 18 | 25.8% | 6.99% | #279 |
| 2025 | 34 | 17 | 26.5% | 6.49% | #279 |
What Empeople Credit Union lends in Louisiana
By loan purpose
By loan type
Why it denied Louisiana applicants
Where in Louisiana
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lafourche Parish | 9 | 4 | 3 | 33.3% |
| Avoyelles Parish | 3 | 2 | 1 | 33.3% |
| Orleans Parish | 2 | 1 | 0 | 0.0% |
| Ascension Parish | 2 | 1 | 1 | 50.0% |
| East Baton Rouge Parish | 2 | 1 | 0 | 0.0% |
| Terrebonne Parish | 2 | 1 | 0 | 0.0% |
| Franklin Parish | 2 | 1 | 0 | 0.0% |
| St. Charles Parish | 2 | 1 | 0 | 0.0% |
| Jefferson Davis Parish | 2 | 1 | 0 | 0.0% |
| Madison Parish | 1 | 1 | 0 | 0.0% |
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: 34 applications in 2025, of which 17 were originated and 9 denied.
26.5% of all applications, or 34.6% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
The median rate on loans Empeople Credit Union originated in Louisiana in 2025 was 6.49%, against a statewide median of 6.63%.
About this data. Figures are Empeople Credit Union'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