La Capitol Federal Credit Union mortgage approval rate & lending review
La Capitol Federal Credit Union decided 398 mortgage applications and funded 233 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions La Capitol Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
La Capitol Federal Credit Union at a glance
Approval is 9.0 points below the 69.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 88% | 73 / 83 | 90% | $265K | 66 |
| Home improvement loans | 47% | 106 / 225 | 100% | $55K | 106 |
| Cash-out refinance | 70% | 46 / 66 | 98% | $145K | 45 |
La Capitol Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 62% | $145K | 391 | 233 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where La Capitol Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| East Baton Rouge Parish, LA | Home improvement loans | 53% | 62 | 33 |
| Orleans Parish, LA | Home improvement loans | 47% | 38 | 18 |
| East Baton Rouge Parish, LA | Cash-out refinance | 74% | 23 | 17 |
The county markets where La Capitol Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about La Capitol Federal Credit Union
What is La Capitol Federal Credit Union's mortgage approval rate?
La Capitol Federal Credit Union approved 60.8% of the 398 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.0 points below the 69.8% national rate for the same mix of loan types.
How often do borrowers take the loan La Capitol Federal Credit Union offers?
Borrowers accepted 96% of the loans La Capitol Federal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does La Capitol Federal Credit Union make?
The typical home improvement loan loan La Capitol Federal Credit Union made was $55K; across all loan types its typical loan ran from $55K to $265K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does La Capitol Federal Credit Union lend?
La Capitol Federal Credit Union decided applications in 5 of the states Fat Boy Data covers, most of them in Louisiana, Florida and North Carolina.
Can I apply to La Capitol Federal Credit Union directly?
Yes. La Capitol Federal Credit Union is a bank or credit union with 15 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show La Capitol Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how La Capitol Federal Credit Union treats applications, then get a rate quote from the lender.