Lender profile · HMDA 2023–2025
Efcu Financial mortgage approval rates & lending data
Efcu Financial decided 488 mortgage applications and funded 438 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 93% | 242 / 259 | 100% | $285K | 242 |
| Home improvement loans | 67% | 42 / 63 | 98% | $105K | 41 |
| Cash-out refinance | 87% | 41 / 47 | 100% | $295K | 41 |
| Refinance | 97% | 105 / 108 | 100% | $435K | 105 |
Efcu Financial lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Louisiana | 90% | $285K | 488 | 438 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.