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Livingston Parish, Louisiana · 2025

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

235 lenders acted on 5,725 mortgage applications for properties in Livingston Parish in 2025. 20.3% were denied (Louisiana: 22.2%). Median rate on closed loans 6.50%; median loan $185,000; median property value $255,000.

5.7kApplications
20.3%Denial ratestate 22.2%
6.50%Median ratestate 6.63%
$185,000Median loan
$255,000Median property value

Largest lenders in Livingston Parish

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 GMFS A 284173 1.4%6.50%
2 United Shore Financial Services B 270195 13.3%6.35%
3 Dsld Mortgage A 250190 7.6%6.13%
4 21st Mortgage F 22747 42.7%9.67%
5 Rocket Mortgage C 227142 26.4%6.63%
6 Dhi Mortgage Company B 209131 18.7%4.99%
7 Hancock Whitney Bank B 207131 23.7%5.75%
8 Vanderbilt Mortgage and Finance F 19926 32.7%10.63%
9 Triad Financial Services D 18141 44.8%9.40%
10 Movement Mortgage A 169131 1.2%6.39%
11 Efcu Financial D 168125 14.3%—
12 Neighbors Federal Credit Union F 16753 55.1%—
13 Synergy One Lending C 147110 5.4%6.63%
14 Freedom Mortgage B 14380 14.0%6.25%
15 Pennymac Loan Services C 11044 12.7%6.44%
16 Regions Bank C 11045 43.6%6.00%
17 Newrez D 9844 13.3%6.50%
18 Equity Prime Mortgage D 8146 4.9%6.63%
19 Mortgage Research Center C 8129 27.2%6.50%
20 Ark-La-Tex Financial Services, LLC. A 7360 0.0%6.59%
21 Assurance Financial Group C 7360 0.0%6.50%
22 Carrington Mortgage Services D 7019 41.4%8.13%
23 Gulf Coast Bank and Trust C 6837 14.7%6.50%
24 Fairway Independent Mortgage B 6548 3.1%6.64%
25 Loandepot.Com D 6129 36.1%7.13%

Best approval odds in Livingston Parish

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

#LenderDecidedDecision denial rate
1Assurance Financial Group600.0%
2Ark-La-Tex Financial Services, LLC.610.0%
3Movement Mortgage1521.3%
4GMFS2052.0%
5Fairway Independent Mortgage504.0%
6Synergy One Lending1216.6%
7Equity Prime Mortgage508.0%
8Dsld Mortgage2099.1%
9Efcu Financial15715.3%
10United Shore Financial Services23415.4%

What Livingston Parish borrowers applied for

By loan purpose

Home purchase 3,307 58% · 15.2% denied
Refinance 702 12% · 14.8% denied
Cash-out refinance 780 14% · 29.2% denied
Home improvement 319 6% · 36.1% denied
Other / HELOC 617 11% · 34.2% denied

By loan type

Conventional 3,346 58% · 25.2% denied
FHA 1,575 28% · 15.1% denied
VA 462 8% · 13.0% denied
USDA / RHS 342 6% · 6.7% denied

Why applications were denied

Credit history 367 35%
Debt-to-income ratio 240 23%
Collateral 141 14%
Incomplete application 127 12%
Unverifiable information 59 6%
Other 55 5%
Insufficient cash 40 4%
Employment history 7 1%

Livingston Parish by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20234,8062,57322.0%6.75%$185,000
20245,1082,76421.8%6.63%$185,000
20255,7253,10820.3%6.50%$185,000

Frequently asked questions

20.3% of applications in Livingston Parish were denied in 2025, against 22.2% statewide in Louisiana.

GMFS, with 284 applications in 2025 and a denial rate of 1.4%.

The median mortgage application in Livingston Parish in 2025 was for $185,000; the median property value on originated loans was $255,000.