LUTHERAN CHURCH EXTENSION FUND
LOANS
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Rostered Church Worker (RCW) Loans

Allowing You More Time for the Ministry

LCEF is proud to offer commissioned or ordained ministers of The Lutheran Church—Missouri Synod (active or emeritus status) residential loans to purchase or refinance primary, single-family residences; consolidation loans for education, credit cards, taxes, medical expenses, auto repairs, etc.; and home equity loans.

The list of states in which LCEF offers the program has changed. For details, see "Important Information."

Before submitting your application, please view the list of states in which LCEF is able to provide RCW residential and home equity loans.

State disclosures are available here.

Eligibility Guidelines for an LCEF RCW Loan
For More Information, Select a Program Below

To be eligible for an LCEF RCW loan, the primary applicant must:

  • Be a commissioned or ordained minister of the LCMS on active or emeritus status. (Note: Certified lay church workers and individuals currently on candidate status are not eligible to participate in this program).
  • Reside in a U.S. state in which LCEF is licensed to fund loans to rostered church workers. See list of states from which we may accept applications.
RCW Loan Forms
RCW Loan Brochures
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Have a question?
Contact LCEF directly, or call the Lutheran Church Extension Fund at 1-800-843-5233, 7:45 a.m. - 4:15 p.m., CT, Monday through Friday if you have any questions or requests.