# Jefferson Parish Employees FCU

> **Canonical URL:** https://saferate.com/lenders/jefferson-parish-employees-fcu


> **📋 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


Jefferson Parish Employees FCU is a credit union, headquartered in Harahan, LA, serving borrowers across 2 states, with 47 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 1% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 60% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 25490095CTOC97LRQD90
- **Headquarters:** Harahan, LA
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** LA, MS
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 99/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 40/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.934%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $499
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 47
- **Dollar Volume:** $14 million
- **Applications Received:** 50
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $290,532
- **Average Borrower Income:** $167,915
- **Average Property Value:** $399,894

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 47 | -0.934% | $499 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Refinance: 29 loans, Score: 50/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 23/100 | 18 | $6M | -0.984% | Acceptable 🙂 |
| Refinance | 48/100 | 29 | $7M | -0.903% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 46 | 0.13% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| New Orleans | LA | 38 | 70/100 |

## Where This Lender Ranks

Jefferson Parish Employees FCU appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in New Orleans Credit Unions
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in New Orleans for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/new-orleans/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does Jefferson Parish Employees FCU offer?

Jefferson Parish Employees FCU offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Jefferson Parish Employees FCU offer mortgages?

Jefferson Parish Employees FCU offers mortgages in 2 states: LA, MS.

### How competitive are Jefferson Parish Employees FCU's mortgage rates?

Jefferson Parish Employees FCU has a pricing score of 99/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.934% below market average.

### What type of lender is Jefferson Parish Employees FCU?

Jefferson Parish Employees FCU is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Harahan, LA.

### What is Jefferson Parish Employees FCU's loan approval success rate?

Jefferson Parish Employees FCU has a pull-through score of 40/100 (Sound). 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/jefferson-parish-employees-fcu

### How to Cite

> "Jefferson Parish Employees FCU Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/jefferson-parish-employees-fcu

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