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Orleans Parish, Louisiana · 2025

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

362 lenders acted on 9,382 mortgage applications for properties in Orleans Parish in 2025. 21.3% were denied (Louisiana: 22.2%). Median rate on closed loans 6.75%; median loan $215,000; median property value $375,000.

9.4kApplications
21.3%Denial ratestate 22.2%
6.75%Median ratestate 6.63%
$215,000Median loan
$375,000Median property value

Largest lenders in Orleans Parish

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 First Horizon Bank B 480335 11.0%6.50%
2 Hancock Whitney Bank B 465263 24.3%6.00%
3 Fidelity Bank D 455307 9.9%6.88%
4 Gulf Coast Bank and Trust C 426275 13.9%7.35%
5 Rocket Mortgage C 424241 32.6%6.63%
6 United Shore Financial Services B 403254 15.9%6.62%
7 Navy Federal Credit Union D 34382 38.8%7.63%
8 JPMorgan Chase Bank B 283151 12.7%6.50%
9 Eustis Mortgage B 265178 3.8%6.75%
10 Regions Bank C 24868 51.6%6.06%
11 Newrez D 18846 27.1%6.94%
12 Pennymac Loan Services C 17574 14.3%6.06%
13 AmeriSave Mortgage D 14515 80.7%8.50%
14 Movement Mortgage A 14496 2.1%6.53%
15 Freedom Mortgage B 13842 13.0%6.25%
16 Lendingone F 1247 8.9%7.09%
17 OnPath Federal Credit Union B 124118 3.2%6.25%
18 Mortgage Research Center C 12247 25.4%6.25%
19 Broker Solutions D 10632 18.9%6.88%
20 Loandepot.Com D 10233 48.0%6.63%
21 Bank of America F 9939 34.3%5.99%
22 Crosscountry Mortgage B 9649 9.4%6.99%
23 Everett Financial C 8354 1.2%6.75%
24 Carrington Mortgage Services D 8317 50.6%8.62%
25 OCMBC C 8240 7.3%7.50%

Best approval odds in Orleans Parish

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

#LenderDecidedDecision denial rate
1Everett Financial551.8%
2Velocity Commercial Capital512.0%
3Movement Mortgage1212.5%
4OnPath Federal Credit Union1223.3%
5Eustis Mortgage1885.3%
6GMFS555.5%
7OCMBC679.0%
8Fidelity Bank35412.7%
9First Horizon Bank39013.6%
10Crosscountry Mortgage5815.5%

What Orleans Parish borrowers applied for

By loan purpose

Home purchase 4,196 45% · 10.9% denied
Refinance 1,524 16% · 17.8% denied
Cash-out refinance 1,829 19% · 30.7% denied
Home improvement 853 9% · 40.8% denied
Other / HELOC 980 10% · 36.4% denied

By loan type

Conventional 7,331 78% · 20.7% denied
FHA 1,463 16% · 25.2% denied
VA 586 6% · 18.4% denied
USDA / RHS 2 0% · 0.0% denied

Why applications were denied

Debt-to-income ratio 614 32%
Credit history 428 22%
Collateral 292 15%
Incomplete application 266 14%
Other 170 9%
Unverifiable information 105 5%
Insufficient cash 49 3%
Employment history 19 1%

Orleans Parish by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20238,7374,49221.2%6.96%$205,000
20248,4864,20923.7%6.99%$215,000
20259,3824,67021.3%6.75%$215,000

Frequently asked questions

21.3% of applications in Orleans Parish were denied in 2025, against 22.2% statewide in Louisiana.

First Horizon Bank, with 480 applications in 2025 and a denial rate of 11.0%.

The median mortgage application in Orleans Parish in 2025 was for $215,000; the median property value on originated loans was $375,000.