La Capitol 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 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
4th48.6% deniedPricingmedian rate spread over APOR, weight 30%
88th-1.21 ptsProcesswithdrawn + incomplete share, weight 15%
10th21.9%Closing coststotal loan costs ÷ loan amount, weight 10%
4th6.73% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 384 | 142 | 39.3% | 51.0% | 6.75% | $12M |
| 2024 | 344 | 156 | 37.8% | 45.0% | 6.25% | $19M |
| 2025 | 374 | 145 | 38.0% | 48.6% | 5.99% | $16M |
What La Capitol 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: 256 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 5 investment properties.
Why La Capitol Federal Credit Union denies applications
Primary reason reported for each of the 142 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at La Capitol 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 | 62 | 11 | 78.4% |
| $50k – $100k | 148 | 50 | 52.3% |
| $100k – $150k | 84 | 46 | 34.7% |
| $150k – $250k | 56 | 30 | 25.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 40 | 14 | 46.7% |
| 35–44 | 79 | 38 | 38.7% |
| 45–54 | 74 | 29 | 45.8% |
| 55–64 | 82 | 31 | 50.8% |
| 65–74 | 63 | 21 | 58.0% |
| Over 74 | 32 | 11 | 54.2% |
Where La Capitol Federal Credit Union lends
7 states and 52 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Louisiana | 368 | 145 | 37.0% | 5.99% | #73 |
Frequently asked questions
La Capitol Federal Credit Union denied 48.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 4th percentile of home-equity (HELOC) lenders.
The most common reason La Capitol Federal Credit Union gave in 2025 was "credit history", cited on 58.5% 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 La Capitol Federal Credit Union originated in 2025 was 5.99%, and its median rate spread over the average prime offer rate was -1.21 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 18% of its applications were for home purchases, 14% for refinancing (including cash-out), and 68% 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.