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East Baton Rouge Parish, Louisiana · 2025

Mortgage lenders in East Baton Rouge Parish, LA: denial rates and top lenders (2025)

371 lenders acted on 12,779 mortgage applications for properties in East Baton Rouge Parish in 2025. 18.6% were denied (Louisiana: 22.2%). Median rate on closed loans 6.63%; median loan $185,000; median property value $285,000.

13kApplications
18.6%Denial ratestate 22.2%
6.63%Median ratestate 6.63%
$185,000Median loan
$285,000Median property value

Largest lenders in East Baton Rouge Parish

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 673464 14.0%6.61%
2 Hancock Whitney Bank B 584396 17.1%6.13%
3 GMFS A 520356 1.7%6.63%
4 Rocket Mortgage C 513309 26.9%6.63%
5 Regions Bank C 422196 38.2%5.88%
6 Neighbors Federal Credit Union F 389125 53.5%—
7 Synergy One Lending C 355265 3.1%6.75%
8 JPMorgan Chase Bank B 297174 11.8%6.50%
9 Efcu Financial D 287174 26.8%—
10 Assurance Financial Group C 284213 3.5%6.75%
11 Newrez D 23177 20.8%6.63%
12 Freedom Mortgage B 21471 9.8%6.25%
13 Dhi Mortgage Company B 214116 24.3%4.99%
14 Pennymac Loan Services C 21382 14.6%6.13%
15 Eustis Mortgage B 210157 2.4%6.63%
16 Gulf Coast Bank and Trust C 207127 13.5%6.64%
17 First Horizon Bank B 180135 11.7%7.24%
18 Red River Bank C 177108 17.0%6.39%
19 Dsld Mortgage A 163110 8.6%6.25%
20 Geneva Financial C 161104 2.5%6.75%
21 AmeriSave Mortgage D 16026 68.1%8.00%
22 Navy Federal Credit Union D 15770 28.7%7.63%
23 Equity Prime Mortgage D 15165 9.9%6.63%
24 Fidelity Bank D 14798 14.3%6.77%
25 Mortgage Research Center C 13558 30.4%6.63%

Best approval odds in East Baton Rouge Parish

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Synergy Bank850.0%
2Movement Mortgage721.4%
3b1BANK521.9%
4GMFS4082.2%
5Ark-La-Tex Financial Services, LLC.902.2%
6Guild Mortgage772.6%
7Eustis Mortgage1643.1%
8Geneva Financial1103.6%
9Landmark Bank793.8%
10The Loan Store523.9%

What East Baton Rouge Parish borrowers applied for

By loan purpose

Home purchase 6,728 53% · 10.7% denied
Refinance 1,837 14% · 12.8% denied
Cash-out refinance 1,925 15% · 29.5% denied
Home improvement 897 7% · 37.9% denied
Other / HELOC 1,392 11% · 37.1% denied

By loan type

Conventional 8,866 69% · 19.0% denied
FHA 2,722 21% · 19.3% denied
VA 847 7% · 16.3% denied
USDA / RHS 344 3% · 7.9% denied

Why applications were denied

Credit history 592 29%
Debt-to-income ratio 533 26%
Collateral 325 16%
Incomplete application 252 12%
Other 168 8%
Unverifiable information 124 6%
Insufficient cash 43 2%
Employment history 14 1%
Mortgage insurance denied 1 0%

East Baton Rouge Parish by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
202310,5596,00617.8%6.75%$185,000
202411,6386,68818.5%6.75%$185,000
202512,7797,10818.6%6.63%$185,000

Frequently asked questions

18.6% of applications in East Baton Rouge Parish were denied in 2025, against 22.2% statewide in Louisiana.

United Shore Financial Services, with 673 applications in 2025 and a denial rate of 14.0%.

The median mortgage application in East Baton Rouge Parish in 2025 was for $185,000; the median property value on originated loans was $285,000.