Lines of Credit

Accepted States for Rostered Church Worker Loans

There are some state-specific regulations that we must follow in order to make loans in certain states. The states from which LCEF can accept applications for rostered church worker (RCW) loans are listed below. Please ensure you have checked the lists prior to submitting an application.

Residential Loans (Purchasing/Refinance)

Consolidation Loans

Home Equity Loans

Applications accepted from:

  • Arizona *
  • California
  • Colorado
  • Florida
  • Illinois
  • Indiana
  • Iowa *
  • Kansas
  • Michigan
  • Minnesota
  • Missouri
  • Nebraska
  • Ohio
  • Texas **
  • Washington
  • Wisconsin *

* Specific state regulations are applicable in Arizona, Iowa, and Wisconsin. Call 1-800-843-5233 any time between 7:45 a.m. - 4:15 p.m., CT, Monday through Friday, for details.

** Cash-out refinances and straight refinances in excess of 80% loan-to-value are not available in Texas.

Applications accepted from:

  • Alabama
  • Alaska
  • Arizona ($10,000 or less)
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida ($25,000 or less)
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • New Hampshire
  • New Mexico
  • New York
  • North Carolina ($25,000 or less)
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

* Specific state regulations are applicable in the states of Arizona, Florida, and North Carolina. Call 1-800-843-5233 any time between 7:45 a.m. - 4:15 p.m., CT, Monday through Friday, for details.

Applications accepted from:

  • Arizona *
  • California
  • Colorado
  • Florida
  • Indiana *
  • Iowa *
  • Kansas
  • Michigan
  • Minnesota
  • Missouri
  • Nebraska
  • Ohio
  • Washington
  • Wisconsin *

* Specific state regulations are applicable in Arizona, Indiana, Iowa, and Wisconsin. Call 1-800-843-5233 any time between 7:45 a.m. - 4:15 p.m., CT, Monday through Friday, for details.

LCEF is a nonprofit religious organization; therefore, LCEF investments are not FDIC-insured bank deposit accounts. This is not an offer to sell investments, nor a solicitation to buy. LCEF will offer and sell its securities only in states where authorized. The offer is made solely by LCEF's Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks.
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