Southern Heritage Bank in Louisiana vs the state
7.1%Denial rate-15.09 pts vs state
7.8%Decision denial rate-20.39 pts vs state
84.1%Origination rate+32.17 pts vs state
—Median rate
—Rate spread (pts)
$96kMedian applicant income
297Loans originated
25Denied
Trend in Louisiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 315 | 275 | 5.1% | — | #75 |
| 2024 | 321 | 271 | 8.7% | — | #70 |
| 2025 | 353 | 297 | 7.1% | — | #80 |
What Southern Heritage Bank lends in Louisiana
By loan purpose
By loan type
Where in Louisiana
Counties with the most Southern Heritage Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Rapides Parish | 180 | 162 | 8 | 4.4% |
| LaSalle Parish | 86 | 67 | 7 | 8.1% |
| Catahoula Parish | 22 | 17 | 3 | 13.6% |
| Grant Parish | 20 | 17 | 1 | 5.0% |
| Natchitoches Parish | 9 | 9 | 0 | 0.0% |
| Concordia Parish | 7 | 6 | 1 | 14.3% |
| Caldwell Parish | 7 | 4 | 3 | 42.9% |
| Avoyelles Parish | 3 | 3 | 0 | 0.0% |
| Winn Parish | 3 | 3 | 0 | 0.0% |
| Ouachita Parish | 3 | 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: 353 applications in 2025, of which 297 were originated and 25 denied.
7.1% of all applications, or 7.8% of the applications it actually decided on. The Louisiana statewide average across all lenders was 22.2%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Southern Heritage Bank'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