# BARKSDALE

> **Canonical URL:** https://saferate.com/lenders/barksdale


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


BARKSDALE is a credit union, headquartered in BARKSDALE, LA, serving borrowers across 5 states, with 112 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 56% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 81% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300MVSM4XYFQL3X62
- **Headquarters:** BARKSDALE, LA
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** AR, LA, MS, OK, TX
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 44/100
- Rating: ●●●○○ (3/5)

### Pull Through: Mediocre 😐
- Score: 19/100
- Rating: ●○○○○ (1/5)

### Pricing Details
- **Average Rate Spread:** +0.369%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,703
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 112
- **Dollar Volume:** $23 million
- **Applications Received:** 289
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $202,143
- **Average Borrower Income:** $126,616
- **Average Property Value:** $250,893

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 50/100 | 92 | +0.323% | $1,670 | Sound ☺️ |
| FHA | 34/100 | 10 | +0.796% | $1,871 | Acceptable 🙂 |
| VA | 37/100 | 10 | +0.224% | $1,799 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 69 loans, Score: 47/100 (Sound)
- Refinance: 23 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 45/100 | 85 | $17M | +0.387% | Sound ☺️ |
| Refinance | 50/100 | 27 | $5M | +0.310% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 90 | 0.26% | 70/100 |
| AR | 13 | 0.04% | 47/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Shreveport | LA | 59 | 83/100 |
| Non |  | 32 | 43/100 |

## Where This Lender Ranks

BARKSDALE appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Louisiana for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Shreveport for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/shreveport/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Louisiana Credit Unions
  - [View Full Rankings](https://saferate.com/louisiana/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does BARKSDALE offer?

BARKSDALE offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does BARKSDALE offer mortgages?

BARKSDALE offers mortgages in 5 states: AR, LA, MS, OK, TX.

### How competitive are BARKSDALE's mortgage rates?

BARKSDALE has a pricing score of 44/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.369% above market average.

### What type of lender is BARKSDALE?

BARKSDALE is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in BARKSDALE, LA.

### What is BARKSDALE's loan approval success rate?

BARKSDALE has a pull-through score of 19/100 (Mediocre). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/barksdale

### How to Cite

> "BARKSDALE Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/barksdale

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