EFCU FINANCIAL
EFCU FINANCIAL received 798 applications in 2025 and made 521 mortgages, in 33 counties across 5 states. The median rate its borrowers got was Not published on a median loan of $105,000. Of 753 decisions, 176 were denials — 23.4%. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300U18MOAH5F95P15 |
|---|---|
| Applications received | 798 |
| Mortgages made | 521 |
| Denied | 176 |
| Approved, not taken up | 56 |
| Withdrawn or incomplete | 45 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 66 | Not published | $250,000 | 17.5% |
| Refinancing | 56 | Not published | $375,000 | 0.0% |
| Cash-out refinancing | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 392 | Not published | $85,000 | 26.6% |
Where EFCU FINANCIAL lends most
The 33 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| East Baton Rouge Parish, LA | 174 | Not published | 27.7% |
| Livingston Parish, LA | 125 | Not published | 15.3% |
| Ascension Parish, LA | 102 | Not published | 23.7% |
| East Feliciana Parish, LA | 15 | Not published | 5.9% |
| Pointe Coupee Parish, LA | 13 | Not published | 35.0% |
| Tangipahoa Parish, LA | 12 | Not published | 7.1% |
| West Feliciana Parish, LA | 12 | Not published | 23.5% |
| St. Tammany Parish, LA | 9 | Under 10 loans | 23.1% |
| Lafayette Parish, LA | 8 | Under 10 loans | 25.0% |
| West Baton Rouge Parish, LA | 8 | Under 10 loans | 40.0% |
| Iberville Parish, LA | 6 | Under 10 loans | 33.3% |
| Jefferson Parish, LA | 5 | Under 10 loans | 16.7% |
| St. Helena Parish, LA | 4 | Under 10 loans | 33.3% |
| Lafourche Parish, LA | 3 | Under 10 loans | 0.0% |
| Orleans Parish, LA | 3 | Under 10 loans | 25.0% |
| St. James Parish, LA | 3 | Under 10 loans | 0.0% |
| Terrebonne Parish, LA | 3 | Under 10 loans | 0.0% |
| Rapides Parish, LA | 2 | Under 10 loans | 0.0% |
| St. John the Baptist Parish, LA | 2 | Under 10 loans | 50.0% |
| St. Landry Parish, LA | 2 | Under 10 loans | 0.0% |
| Amite County, MS | 2 | Under 10 loans | 0.0% |
| Assumption Parish, LA | 1 | Under 10 loans | 66.7% |
| Bossier Parish, LA | 1 | Under 10 loans | 0.0% |
| Concordia Parish, LA | 1 | Under 10 loans | 0.0% |
| LaSalle Parish, LA | 1 | Under 10 loans | 0.0% |
| St. Bernard Parish, LA | 1 | Under 10 loans | 0.0% |
| St. Charles Parish, LA | 1 | Under 10 loans | 50.0% |
| St. Martin Parish, LA | 1 | Under 10 loans | 0.0% |
| Hancock County, MS | 1 | Under 10 loans | 0.0% |
| Baldwin County, AL | 0 | Under 10 loans | 100.0% |
| Santa Rosa County, FL | 0 | Under 10 loans | 100.0% |
| Adams County, MS | 0 | Under 10 loans | 0.0% |
| Ozark County, MO | 0 | Under 10 loans | Not published |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.