Lower in Louisiana vs the state
7.9%Denial rate-14.32 pts vs state
10.3%Decision denial rate-17.81 pts vs state
67.9%Origination rate+15.91 pts vs state
6.63%Median rate0.00 pts vs state
0.42Rate spread (pts)+0.06 pts vs state
$90kMedian applicant income
372Loans originated
43Denied
Trend in Louisiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 224 | 149 | 17.9% | 6.97% | #98 |
| 2024 | 563 | 397 | 6.6% | 6.75% | #47 |
| 2025 | 548 | 372 | 7.9% | 6.63% | #52 |
What Lower lends in Louisiana
By loan purpose
By loan type
Why it denied Louisiana applicants
Where in Louisiana
Counties with the most Lower applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Calcasieu Parish | 135 | 98 | 9 | 6.7% |
| East Baton Rouge Parish | 128 | 91 | 5 | 3.9% |
| Orleans Parish | 39 | 20 | 6 | 15.4% |
| Lafayette Parish | 38 | 34 | 1 | 2.6% |
| Ascension Parish | 33 | 18 | 3 | 9.1% |
| Jefferson Parish | 21 | 15 | 1 | 4.8% |
| Beauregard Parish | 19 | 14 | 1 | 5.3% |
| Livingston Parish | 18 | 11 | 0 | 0.0% |
| St. Tammany Parish | 15 | 9 | 2 | 13.3% |
| Jefferson Davis Parish | 9 | 6 | 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: 548 applications in 2025, of which 372 were originated and 43 denied.
7.9% of all applications, or 10.3% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
The median rate on loans Lower originated in Louisiana in 2025 was 6.63%, against a statewide median of 6.63%.
About this data. Figures are Lower'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