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Lafayette Parish, Louisiana · 2025

Mortgage lenders in Lafayette Parish, LA: denial rates and top lenders (2025)

309 lenders acted on 8,669 mortgage applications for properties in Lafayette Parish in 2025. 20.8% were denied (Louisiana: 22.2%). Median rate on closed loans 6.50%; median loan $185,000; median property value $265,000.

8.7kApplications
20.8%Denial ratestate 22.2%
6.50%Median ratestate 6.63%
$185,000Median loan
$265,000Median property value

Largest lenders in Lafayette Parish

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 659506 10.5%6.37%
2 Dsld Mortgage A 493369 7.3%6.13%
3 Rocket Mortgage C 372261 18.6%6.75%
4 Vanderbilt Mortgage and Finance F 36223 50.0%10.75%
5 21st Mortgage F 31824 65.1%10.77%
6 Dhi Mortgage Company B 302161 26.8%4.88%
7 First Horizon Bank B 282169 28.4%7.25%
8 Hancock Whitney Bank B 241168 20.8%6.13%
9 Pennymac Loan Services C 218125 9.6%6.25%
10 Triad Financial Services D 20122 58.2%8.64%
11 Assurance Financial Group C 177139 2.8%6.75%
12 Newrez D 16275 15.4%6.38%
13 GMFS A 147101 3.4%6.50%
14 Freedom Mortgage B 14450 8.3%6.25%
15 Mortgage Research Center C 13557 23.7%6.25%
16 Cadence Bank B 12884 15.6%7.31%
17 JPMorgan Chase Bank B 11783 10.3%6.63%
18 Standard Mortgage C 11788 4.3%6.38%
19 Kind Lending C 11181 20.7%6.56%
20 The Loan Store B 11181 2.7%6.63%
21 Eustis Mortgage B 10383 1.0%6.49%
22 Home Bank B 9975 6.1%6.75%
23 Crosscountry Mortgage B 9770 4.1%6.63%
24 Equity Prime Mortgage D 9645 12.5%6.50%
25 Fidelity Bank D 9567 8.4%6.75%

Best approval odds in Lafayette Parish

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

#LenderDecidedDecision denial rate
1Eustis Mortgage841.2%
2First Community Mortgage601.7%
3Coastal Community Bank633.2%
4The Loan Store943.2%
5Assurance Financial Group1443.5%
6Rayne State Bank & Trust504.0%
7Towne Mortgage744.1%
8GMFS1194.2%
9Standard Mortgage935.4%
10Crosscountry Mortgage745.4%

What Lafayette Parish borrowers applied for

By loan purpose

Home purchase 5,476 63% · 18.8% denied
Refinance 1,152 13% · 10.7% denied
Cash-out refinance 1,016 12% · 31.7% denied
Home improvement 400 5% · 36.5% denied
Other / HELOC 625 7% · 29.4% denied

By loan type

Conventional 5,849 67% · 23.0% denied
FHA 1,721 20% · 18.1% denied
VA 793 9% · 14.9% denied
USDA / RHS 306 4% · 9.2% denied

Why applications were denied

Credit history 588 33%
Debt-to-income ratio 493 28%
Collateral 183 10%
Incomplete application 175 10%
Other 149 8%
Unverifiable information 133 7%
Insufficient cash 43 2%
Employment history 14 1%

Lafayette Parish by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20237,4924,06623.2%6.75%$175,000
20247,4744,25721.0%6.63%$185,000
20258,6694,84920.8%6.50%$185,000

Frequently asked questions

20.8% of applications in Lafayette Parish were denied in 2025, against 22.2% statewide in Louisiana.

United Shore Financial Services, with 659 applications in 2025 and a denial rate of 10.5%.

The median mortgage application in Lafayette Parish in 2025 was for $185,000; the median property value on originated loans was $265,000.