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St. Charles Parish, Louisiana · 2025

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

165 lenders acted on 1,489 mortgage applications for properties in St. Charles Parish in 2025. 18.3% were denied (Louisiana: 22.2%). Median rate on closed loans 6.63%; median loan $185,000; median property value $295,000.

1.5kApplications
18.3%Denial ratestate 22.2%
6.63%Median ratestate 6.63%
$185,000Median loan
$295,000Median property value

Largest lenders in St. Charles Parish

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Rocket Mortgage C 129102 13.2%6.56%
2 GMFS A 8258 4.9%6.13%
3 United Shore Financial Services B 7758 5.2%6.13%
4 First American Bank and Trust C 7243 18.1%—
5 Newrez D 5422 27.8%6.63%
6 Pennymac Loan Services C 4531 4.4%6.62%
7 Hancock Whitney Bank B 3825 21.1%4.99%
8 Vanderbilt Mortgage and Finance F 366 38.9%11.25%
9 Freedom Mortgage B 3410 14.7%6.25%
10 21st Mortgage F 3312 39.4%10.40%
11 Navy Federal Credit Union D 3316 21.2%6.75%
12 Dsld Mortgage A 3124 3.2%6.25%
13 JPMorgan Chase Bank B 3020 16.7%6.56%
14 Movement Mortgage A 2824 7.1%6.56%
15 Nationstar Mortgage C 2621 11.5%8.25%
16 Coastal Community Bank C 263 0.0%12.24%
17 Eustis Mortgage B 2521 0.0%6.59%
18 AmeriSave Mortgage D 247 62.5%6.88%
19 OnPath Federal Credit Union B 2423 4.2%6.75%
20 Regions Bank C 2313 34.8%6.50%
21 Gulf Coast Bank and Trust C 2115 19.1%6.88%
22 Credit Human Federal Credit Union D 205 45.0%6.68%
23 Broker Solutions D 2010 0.0%6.99%
24 Triad Financial Services D 194 42.1%8.89%
25 Carrington Mortgage Services D 174 47.1%7.31%

Best approval odds in St. Charles Parish

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

#LenderDecidedDecision denial rate
1GMFS705.7%
2United Shore Financial Services636.4%
3Rocket Mortgage12114.1%
4First American Bank and Trust6121.3%

What St. Charles Parish borrowers applied for

By loan purpose

Home purchase 682 46% · 13.5% denied
Refinance 208 14% · 12.0% denied
Cash-out refinance 312 21% · 25.3% denied
Home improvement 86 6% · 22.1% denied
Other / HELOC 201 13% · 28.9% denied

By loan type

Conventional 1,018 68% · 20.0% denied
FHA 319 21% · 15.7% denied
VA 121 8% · 15.7% denied
USDA / RHS 31 2% · 0.0% denied

Why applications were denied

Debt-to-income ratio 85 33%
Credit history 70 28%
Incomplete application 33 13%
Collateral 30 12%
Other 16 6%
Unverifiable information 12 5%
Insufficient cash 8 3%

St. Charles Parish by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,46372326.7%6.75%$155,000
20241,31771422.5%6.75%$175,000
20251,48985318.3%6.63%$185,000

Frequently asked questions

18.3% of applications in St. Charles Parish were denied in 2025, against 22.2% statewide in Louisiana.

Rocket Mortgage, with 129 applications in 2025 and a denial rate of 13.2%.

The median mortgage application in St. Charles Parish in 2025 was for $185,000; the median property value on originated loans was $295,000.