# La Capitol Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/la-capitol-federal-credit-union


> **📋 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


La Capitol Federal Credit Union is a credit union, headquartered in Baton Rouge, LA, with 58 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 8% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 67% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300V1ZDKDQXFW3339
- **Headquarters:** Baton Rouge, LA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** LA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 92/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 33/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.120%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,038
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 58
- **Dollar Volume:** $14 million
- **Applications Received:** 92
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $236,552
- **Average Borrower Income:** $139,431
- **Average Property Value:** $325,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 32/100 | 58 | -0.120% | $1,038 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 34 loans, Score: 28/100 (Acceptable)
- Refinance: 24 loans, Score: 39/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 27/100 | 34 | $9M | -0.098% | Acceptable 🙂 |
| Refinance | 37/100 | 24 | $5M | -0.155% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 58 | 0.17% | 66/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Baton Rouge, LA | LA | 28 | 61/100 |
| Non |  | 10 | 28/100 |

## Where This Lender Ranks

La Capitol Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Baton Rouge, LA for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Baton Rouge, LA Credit Unions
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders/credit-unions)
- 🏆 **#20** in Baton Rouge, LA
  - [View Full Rankings](https://saferate.com/baton-rouge-la/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does La Capitol Federal Credit Union offer?

La Capitol Federal Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does La Capitol Federal Credit Union offer mortgages?

La Capitol Federal Credit Union offers mortgages in 1 states: LA.

### How competitive are La Capitol Federal Credit Union's mortgage rates?

La Capitol Federal Credit Union has a pricing score of 92/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.120% below market average.

### What type of lender is La Capitol Federal Credit Union?

La Capitol Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Baton Rouge, LA.

### What is La Capitol Federal Credit Union's loan approval success rate?

La Capitol Federal Credit Union has a pull-through score of 33/100 (Acceptable). 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/la-capitol-federal-credit-union

### How to Cite

> "La Capitol Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/la-capitol-federal-credit-union

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