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St. John the Baptist Parish, Louisiana · 2025

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

142 lenders acted on 1,069 mortgage applications for properties in St. John the Baptist Parish in 2025. 30.2% were denied (Louisiana: 22.2%). Median rate on closed loans 6.75%; median loan $135,000; median property value $215,000.

1.1kApplications
30.2%Denial ratestate 22.2%
6.75%Median ratestate 6.63%
$135,000Median loan
$215,000Median property value

Largest lenders in St. John the Baptist Parish

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 United Shore Financial Services B 7856 14.1%6.53%
2 Vanderbilt Mortgage and Finance F 606 51.7%10.25%
3 Rocket Mortgage C 5835 34.5%6.49%
4 Newrez D 4920 42.9%6.31%
5 Regions Bank C 4815 58.3%6.75%
6 Pennymac Loan Services C 3917 18.0%6.12%
7 First American Bank and Trust C 3529 8.6%—
8 Triad Financial Services D 331 63.6%8.71%
9 Freedom Mortgage B 3210 9.4%6.38%
10 Equity Prime Mortgage D 2616 3.9%6.63%
11 OnPath Federal Credit Union B 2619 26.9%7.13%
12 21st Mortgage F 223 54.6%11.95%
13 Broker Solutions D 203 25.0%6.88%
14 AmeriSave Mortgage D 193 73.7%6.75%
15 Navy Federal Credit Union D 195 26.3%8.00%
16 Credit Human Federal Credit Union D 170 94.1%—
17 Fidelity Bank D 1710 17.7%6.81%
18 Movement Mortgage A 1712 0.0%6.50%
19 Hancock Whitney Bank B 159 26.7%5.56%
20 GMFS A 159 0.0%6.38%
21 JPMorgan Chase Bank B 149 21.4%6.75%
22 Carrington Mortgage Services D 141 42.9%6.63%
23 Mortgage Research Center C 143 50.0%6.63%
24 New Day Financial F 121 33.3%7.25%
25 Loandepot.Com D 123 50.0%6.50%

Best approval odds in St. John the Baptist Parish

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

#LenderDecidedDecision denial rate
1United Shore Financial Services6716.4%
2Rocket Mortgage5536.4%

What St. John the Baptist Parish borrowers applied for

By loan purpose

Home purchase 548 51% · 26.5% denied
Refinance 133 12% · 12.0% denied
Cash-out refinance 229 21% · 35.8% denied
Home improvement 60 6% · 41.7% denied
Other / HELOC 99 9% · 55.6% denied

By loan type

Conventional 655 61% · 34.1% denied
FHA 297 28% · 26.3% denied
VA 74 7% · 23.0% denied
USDA / RHS 43 4% · 11.6% denied

Why applications were denied

Credit history 109 35%
Debt-to-income ratio 92 30%
Collateral 38 12%
Incomplete application 33 11%
Other 17 5%
Unverifiable information 14 5%
Insufficient cash 6 2%
Employment history 2 1%

St. John the Baptist Parish by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,21654331.4%6.75%$135,000
20241,07848029.6%6.75%$135,000
20251,06947430.2%6.75%$135,000

Frequently asked questions

30.2% of applications in St. John the Baptist Parish were denied in 2025, against 22.2% statewide in Louisiana.

United Shore Financial Services, with 78 applications in 2025 and a denial rate of 14.1%.

The median mortgage application in St. John the Baptist Parish in 2025 was for $135,000; the median property value on originated loans was $215,000.