21st Mortgage in Louisiana vs the state
49.0%Denial rate+26.86 pts vs state
74.3%Decision denial rate+46.15 pts vs state
15.5%Origination rate-36.43 pts vs state
10.10%Median rate+3.47 pts vs state
4.41Rate spread (pts)+4.05 pts vs state
$59kMedian applicant income
1,097Loans originated
3,460Denied
Trend in Louisiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 7,000 | 1,098 | 48.2% | 9.44% | #1 |
| 2024 | 6,520 | 1,158 | 43.7% | 9.97% | #1 |
| 2025 | 7,057 | 1,097 | 49.0% | 10.10% | #1 |
What 21st Mortgage lends in Louisiana
By loan purpose
By loan type
Why it denied Louisiana applicants
Where in Louisiana
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Caddo Parish | 343 | 31 | 192 | 56.0% |
| Ouachita Parish | 326 | 33 | 187 | 57.4% |
| Lafayette Parish | 318 | 24 | 207 | 65.1% |
| Tangipahoa Parish | 310 | 40 | 168 | 54.2% |
| Calcasieu Parish | 289 | 67 | 130 | 45.0% |
| Rapides Parish | 266 | 37 | 96 | 36.1% |
| Bossier Parish | 254 | 35 | 152 | 59.8% |
| St. Landry Parish | 231 | 26 | 116 | 50.2% |
| Livingston Parish | 227 | 47 | 97 | 42.7% |
| Lafourche Parish | 211 | 41 | 115 | 54.5% |
Other large lenders in Louisiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| United Shore Financial Services | B | 6,264 | 13.1% | 6.38% |
| Rocket Mortgage | C | 5,770 | 25.9% | 6.63% |
| Vanderbilt Mortgage and Finance | F | 4,370 | 45.6% | 10.50% |
| Triad Financial Services | D | 3,867 | 49.7% | 8.73% |
| Hancock Whitney Bank | B | 3,536 | 21.7% | 6.00% |
| Regions Bank | C | 3,356 | 45.8% | 6.00% |
| GMFS | A | 3,072 | 2.0% | 6.50% |
| Newrez | D | 2,664 | 21.1% | 6.50% |
| Dsld Mortgage | A | 2,545 | 6.3% | 6.13% |
| Freedom Mortgage | B | 2,501 | 9.8% | 6.25% |
Frequently asked questions
Louisiana: 7,057 applications in 2025, of which 1,097 were originated and 3,460 denied.
49.0% of all applications, or 74.3% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
The median rate on loans 21st Mortgage originated in Louisiana in 2025 was 10.10%, against a statewide median of 6.63%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Louisiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology