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Louisiana · 2025 HMDA data

Mortgage lenders in Louisiana: denial rates, approval odds and real rates (2025)

721 lenders acted on 133,297 mortgage applications in Louisiana in 2025. 22.2% were denied, against 18.0% nationally. The median interest rate on loans that closed was 6.63%, the median loan $165,000.

133kApplications
22.2%Denial rateUS 18.0%
6.63%Median rateUS 6.63%
$165,000Median loanUS $225,000
$16BOriginated volume

Largest mortgage lenders in Louisiana

By applications received in 2025. Grade is the lender's national grade.

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 21st Mortgage F 7,0571,097 49.0%10.10%
2 United Shore Financial Services B 6,2644,514 13.1%6.38%
3 Rocket Mortgage C 5,7703,674 25.9%6.63%
4 Vanderbilt Mortgage and Finance F 4,370489 45.6%10.50%
5 Triad Financial Services D 3,867606 49.7%8.73%
6 Hancock Whitney Bank B 3,5362,258 21.7%6.00%
7 Regions Bank C 3,3561,282 45.8%6.00%
8 GMFS A 3,0722,035 2.0%6.50%
9 Newrez D 2,6641,007 21.1%6.50%
10 Dsld Mortgage A 2,5451,879 6.3%6.13%
11 Freedom Mortgage B 2,5011,040 9.8%6.25%
12 Mortgage Research Center C 2,4451,090 22.5%6.38%
13 Pennymac Loan Services C 2,323990 13.0%6.13%
14 Navy Federal Credit Union D 2,113860 26.1%6.50%
15 Gulf Coast Bank and Trust C 2,0391,409 10.8%6.88%
16 Fidelity Bank D 2,0341,369 10.9%6.75%
17 First Horizon Bank B 1,9921,305 19.1%6.63%
18 JPMorgan Chase Bank B 1,9311,188 12.6%6.63%
19 Dhi Mortgage Company B 1,725973 24.0%4.63%
20 Loandepot.Com D 1,723728 35.9%6.88%
21 Assurance Financial Group C 1,7111,298 4.8%6.63%
22 Eustis Mortgage B 1,7071,292 2.3%6.50%
23 Movement Mortgage A 1,6761,248 2.5%6.56%
24 AmeriSave Mortgage D 1,453235 72.9%6.88%
25 Equity Prime Mortgage D 1,260646 8.7%6.50%
Top-rated mortgage lenders Best approval odds Lowest median interest rates Largest mortgage lenders by volume Top FHA lenders Top VA lenders Top refinance lenders Top home equity lenders

Best approval odds in Louisiana

Lowest decision denial rate among lenders that decided at least 300 Louisiana applications in 2025.

#LenderDecidedDecision denial rateMedian rate
1Ark-La-Tex Financial Services, LLC.3831.3%6.38%
2Guaranty Bank & Trust Company of Delhi, Louisiana3452.0%—
3Towne Mortgage3472.3%6.25%
4GMFS2,3912.6%6.50%
5Movement Mortgage1,5152.8%6.56%
6Eustis Mortgage1,3373.0%6.50%
7Coastal Community Bank6983.4%10.49%
8The Evangeline Bank & Trust4283.5%7.25%
9Eagle Bank and Trust3934.1%6.50%
10Synergy One Lending8115.1%6.63%

Lowest median rates in Louisiana

Among lenders reporting rates on at least 100 originated loans. Product mix matters: a VA specialist will show a lower median than a jumbo lender.

#LenderPriced loansMedian rateDenial rate
1Dhi Mortgage Company9364.63%24.0%
2Village Capital & Investment1585.88%23.4%
3La Capitol Federal Credit Union1455.99%37.0%
4Regions Bank1,2816.00%45.8%
5Hancock Whitney Bank2,1986.00%21.7%
6Pennymac Loan Services9906.13%13.0%
7Dsld Mortgage1,8796.13%6.3%
8Bank of America2196.24%38.7%
9Campus Federal Credit Union1416.25%10.2%
10Towne Mortgage2966.25%2.2%

What Louisiana borrowers applied for

By loan purpose

Home purchase 73,919 55% · 19.4% denied
Refinance 20,120 15% · 13.1% denied
Cash-out refinance 19,444 15% · 29.8% denied
Home improvement 8,019 6% · 35.0% denied
Other / HELOC 11,795 9% · 33.6% denied

By loan type

Conventional 91,337 69% · 24.8% denied
FHA 25,744 19% · 18.5% denied
VA 12,566 9% · 14.3% denied
USDA / RHS 3,650 3% · 8.3% denied

Denial rate by applicant income

Under $50k 55.0%
$50k – $100k 28.8%
$100k – $150k 21.0%
$150k – $250k 17.2%
Over $250k 13.5%

Why Louisiana applications were denied

Credit history 10,294 37%
Debt-to-income ratio 7,317 26%
Collateral 3,354 12%
Incomplete application 2,907 10%
Other 1,860 7%
Unverifiable information 1,475 5%
Insufficient cash 688 2%
Employment history 212 1%
Mortgage insurance denied 2 0%

Louisiana mortgage market by year

YearApplicationsOriginatedDenial rateMedian rateMedian loanLenders
2023121,34360,83224.9%6.88%$155,000701
2024121,51962,37524.1%6.75%$155,000672
2025133,29769,27222.2%6.63%$165,000721

Louisiana counties

Counties with at least 200 applications in 2025, most active first.

East Baton Rouge Parish12k St. Tammany Parish9.6k Jefferson Parish9.3k Orleans Parish9.1k Lafayette Parish8.4k Caddo Parish6.3k Livingston Parish5.5k Calcasieu Parish5.0k Tangipahoa Parish4.8k Ascension Parish4.5k Bossier Parish4.3k Ouachita Parish4.2k Rapides Parish3.4k Terrebonne Parish2.3k St. Landry Parish2.3k Lafourche Parish2.2k St. Martin Parish1.5k Vermilion Parish1.4k St. Charles Parish1.3k Iberia Parish1.3k Acadia Parish1.2k Beauregard Parish1.2k Lincoln Parish1.1k Vernon Parish1.1k Washington Parish1.0k Webster Parish984 St. Bernard Parish920 De Soto Parish899 St. John the Baptist Parish890 Avoyelles Parish839 Natchitoches Parish812 St. Mary Parish812 West Baton Rouge Parish799 Sabine Parish779 Iberville Parish667 Jefferson Davis Parish629 Pointe Coupee Parish604 Union Parish604 Richland Parish564 Grant Parish502 Evangeline Parish481 Morehouse Parish470 St. James Parish450 East Feliciana Parish437 Franklin Parish423 Plaquemines Parish415 Assumption Parish414 LaSalle Parish397 Allen Parish358 St. Helena Parish340 Concordia Parish329 Claiborne Parish286 Jackson Parish285 Caldwell Parish264 Bienville Parish240 West Feliciana Parish217

Frequently asked questions

22.2% of mortgage applications in Louisiana were denied in 2025 (28.2% of applications that reached a decision). Nationally the rate was 18.0%.

21st Mortgage handled the most applications in Louisiana in 2025: 7,057, with a denial rate of 49.0%.

Among lenders that decided at least 300 applications in Louisiana, Ark-La-Tex Financial Services, LLC. had the lowest decision denial rate at 1.3%.

The median interest rate on loans originated in Louisiana in 2025 was 6.63%. That is the rate borrowers actually received, reported by lenders under HMDA, not an advertised rate.