Ouachita Valley Federal Credit Union in Louisiana vs the state
25.2%Denial rate+3.02 pts vs state
33.7%Decision denial rate+5.52 pts vs state
49.6%Origination rate-2.35 pts vs state
8.00%Median rate+1.38 pts vs state
1.79Rate spread (pts)+1.43 pts vs state
$58kMedian applicant income
65Loans originated
33Denied
Trend in Louisiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 47 | 39 | 4.3% | 7.50% | #241 |
| 2024 | 39 | 37 | 5.1% | 8.05% | #264 |
| 2025 | 131 | 65 | 25.2% | 8.00% | #156 |
What Ouachita Valley Federal Credit Union lends in Louisiana
By loan purpose
By loan type
Why it denied Louisiana applicants
Where in Louisiana
Counties with the most Ouachita Valley Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Ouachita Parish | 46 | 35 | 11 | 23.9% |
| Morehouse Parish | 5 | 2 | 3 | 60.0% |
| Jackson Parish | 2 | 2 | 0 | 0.0% |
| Union Parish | 2 | 1 | 1 | 50.0% |
| Richland Parish | 2 | 2 | 0 | 0.0% |
| Catahoula Parish | 1 | 1 | 0 | 0.0% |
| Lincoln Parish | 1 | 0 | 1 | 100.0% |
| Caldwell Parish | 1 | 0 | 1 | 100.0% |
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: 131 applications in 2025, of which 65 were originated and 33 denied.
25.2% of all applications, or 33.7% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
The median rate on loans Ouachita Valley Federal Credit Union originated in Louisiana in 2025 was 8.00%, against a statewide median of 6.63%.
About this data. Figures are Ouachita Valley Federal 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