First Option Mortgage in Louisiana vs the state
1.7%Denial rate-20.45 pts vs state
2.3%Decision denial rate-25.90 pts vs state
65.5%Origination rate+13.55 pts vs state
6.75%Median rate+0.13 pts vs state
0.54Rate spread (pts)+0.18 pts vs state
$98kMedian applicant income
76Loans originated
2Denied
Trend in Louisiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 45 | 0.0% | 7.00% | #210 |
| 2024 | 62 | 50 | 0.0% | 7.13% | #210 |
| 2025 | 116 | 76 | 1.7% | 6.75% | #165 |
What First Option Mortgage lends in Louisiana
By loan purpose
By loan type
Why it denied Louisiana applicants
Where in Louisiana
Counties with the most First Option Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| East Baton Rouge Parish | 59 | 38 | 1 | 1.7% |
| Livingston Parish | 16 | 14 | 0 | 0.0% |
| St. Tammany Parish | 14 | 9 | 0 | 0.0% |
| Ascension Parish | 10 | 7 | 0 | 0.0% |
| Jefferson Parish | 6 | 4 | 0 | 0.0% |
| Caddo Parish | 4 | 0 | 1 | 25.0% |
| Iberville Parish | 4 | 2 | 0 | 0.0% |
| Orleans Parish | 2 | 1 | 0 | 0.0% |
| West Baton Rouge Parish | 1 | 1 | 0 | 0.0% |
Other large lenders in Louisiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| 21st Mortgage | F | 7,057 | 49.0% | 10.10% |
| 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% |
Frequently asked questions
Louisiana: 116 applications in 2025, of which 76 were originated and 2 denied.
1.7% of all applications, or 2.3% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
The median rate on loans First Option Mortgage originated in Louisiana in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are First Option 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