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St. Bernard Parish, Louisiana · 2025

Mortgage lenders in St. Bernard Parish, LA: denial rates and top lenders (2025)

153 lenders acted on 1,112 mortgage applications for properties in St. Bernard Parish in 2025. 21.6% were denied (Louisiana: 22.2%). Median rate on closed loans 6.63%; median loan $165,000; median property value $235,000.

1.1kApplications
21.6%Denial ratestate 22.2%
6.63%Median ratestate 6.63%
$165,000Median loan
$235,000Median property value

Largest lenders in St. Bernard Parish

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Crosscountry Mortgage B 11074 4.6%6.75%
2 Gulf Coast Bank and Trust C 7349 12.3%7.25%
3 Regions Bank C 6013 55.0%6.50%
4 Rocket Mortgage C 4931 26.5%6.50%
5 United Shore Financial Services B 4329 14.0%6.56%
6 Hancock Whitney Bank B 3723 21.6%5.75%
7 Freedom Mortgage B 3612 11.1%6.25%
8 Newrez D 328 37.5%7.13%
9 Mortgage Research Center C 3013 26.7%6.50%
10 Navy Federal Credit Union D 3012 33.3%7.91%
11 Pennymac Loan Services C 2512 16.0%5.99%
12 Movement Mortgage A 2520 8.0%6.53%
13 GMFS A 2417 4.2%6.63%
14 Fidelity Bank D 2216 4.6%6.75%
15 Loandepot.Com D 207 25.0%6.49%
16 JPMorgan Chase Bank B 197 26.3%6.88%
17 Coastal Community Bank C 174 5.9%13.49%
18 21st Mortgage F 151 60.0%10.16%
19 Carrington Mortgage Services D 144 35.7%6.13%
20 First Horizon Bank B 137 15.4%6.38%
21 Broker Solutions D 132 15.4%6.50%
22 New Day Financial F 112 45.5%6.75%
23 Keesler D 112 72.7%6.50%
24 Eustis Mortgage B 119 0.0%6.23%
25 Vanderbilt Mortgage and Finance F 100 40.0%—

Best approval odds in St. Bernard Parish

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

#LenderDecidedDecision denial rate
1Crosscountry Mortgage806.3%
2Gulf Coast Bank and Trust6114.8%
3Regions Bank5461.1%

What St. Bernard Parish borrowers applied for

By loan purpose

Home purchase 516 46% · 12.0% denied
Refinance 152 14% · 19.1% denied
Cash-out refinance 230 21% · 28.7% denied
Home improvement 78 7% · 41.0% denied
Other / HELOC 136 12% · 37.5% denied

By loan type

Conventional 650 58% · 26.3% denied
FHA 312 28% · 16.4% denied
VA 109 10% · 14.7% denied
USDA / RHS 41 4% · 4.9% denied

Why applications were denied

Credit history 79 33%
Debt-to-income ratio 63 27%
Collateral 33 14%
Incomplete application 27 11%
Other 17 7%
Unverifiable information 12 5%
Insufficient cash 4 2%
Employment history 1 0%

St. Bernard Parish by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,12858425.0%6.88%$175,000
20241,02250623.0%6.75%$165,000
20251,11255221.6%6.63%$165,000

Frequently asked questions

21.6% of applications in St. Bernard Parish were denied in 2025, against 22.2% statewide in Louisiana.

Crosscountry Mortgage, with 110 applications in 2025 and a denial rate of 4.6%.

The median mortgage application in St. Bernard Parish in 2025 was for $165,000; the median property value on originated loans was $235,000.