OnPath Federal Credit Union

What their website says about applying

• Contact our Business Lending Team source
• Proof of income required source
• Visit a branch source
• Apply online source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• Minimum credit score: 760 minimum credit score of 760 source
• Minimum time in business: 2 years established for at least 2 years source
• Membership required Must be a member of OnPath source
• Collateral flexible or not always required with no collateral required source
• Business plan required Financial statements and business plan required source
• First-time homebuyer program Must be a first-time homebuyer source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Auto and other products appear only as homepage menu labels, so they are omitted. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. Do you lend where I live, or where my business is?
   Their website does not say which area they serve.
2. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
3. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
4. Can I apply online, or do I need to call or visit?
   We found no online application on their website.
5. Do you offer free coaching or help preparing my application?
   CDFI certification requires development services, such as training or advice, alongside lending.
6. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the NCUA as ONPATH (charter 14692). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

Figures from the 5300 Call Report filed by OnPath Federal Credit Union (NCUA charter 14692, filed as “ONPATH”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Loan mix (balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

OnPath Federal Credit Union reported 404 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $156.3M (median loan about $230,000). 211 were home-purchase loans.

Where the loans were made

Counties with the most 2025 originations, out of 42 counties with at least one; 93% of its 2025 loans were for properties in Louisiana:

• Orleans Parish, LA (118)
• Jefferson Parish, LA (84)
• St. Tammany Parish, LA (65)
• St. Charles Parish, LA (23)
• St. John the Baptist Parish, LA (19)
• Tangipahoa Parish, LA (19)
• Ascension Parish, LA (11)
• East Baton Rouge Parish, LA (10)

Filed under LEI 254900ZKVJDEYHV22276 as “ONPATH FEDERAL CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.

The SBA's public loan data lists 4 SBA-backed approvals for OnPath Federal Credit Union in fiscal years 2020–2026 (October 2019 to September 2026):

• 4 504 projects as the third-party (first-lien) lender: $3.9M in total (its own third-party loan amount), median $857,500

By fiscal year: FY2020 0 · FY2021 0 · FY2022 1 · FY2023 0 · FY2024 1 · FY2025 1 · FY2026 1.

How this lender was matched in the SBA files: 504 third-party lender name: same name, state and city (SBA lists “OnPath Federal Credit Union”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. OnPath Federal Credit Union may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

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