Louisiana Mortgage Lending
589 lenders reporting under HMDA
Statewide mortgage activity. Lenders filed 139,388 HMDA-reported mortgage applications in Louisiana in 2024, originating 62,347 loans and denying 29,229. That puts the statewide denial rate at 21.0% and the approval (origination) rate at 44.7%. The average loan amount across Louisiana was $208,314 at an average note rate of 7.09%. 589 distinct institutions — banks, credit unions, and independent mortgage companies — filed HMDA data covering activity in the state. Applications span 64 counties and 11 metropolitan areas.
What drives state-level differences. State mortgage denial rates reflect applicant mix more than lender stance. Credit profiles, loan-to-value ratios, debt-to-income, property type, and rural-versus-urban composition all move the number before any lender policy does. Demographic lending data reported under HMDA shows variation across applicant groups — for example, White applicants had an approval rate of 56.5% and denial rate of 19.2%; while Black or African American applicants had an approval rate of 38.1% and denial rate of 35.4%. These are derived race categories as reported by applicants and do not by themselves prove causation; credit score, income, and loan-to-value are not reported in HMDA and drive much of the underlying variation. Top counties by volume include East Baton Rouge Parish, St. Tammany Parish, Jefferson Parish.
How to read this page. These are aggregate 2024 HMDA disclosures published by the Consumer Financial Protection Bureau — a federal transparency dataset, not a real-time market feed. A state-level number is useful for context but cannot tell you what rate, fees, or underwriting any individual lender will offer a specific borrower. This page is informational data reporting, not financial, legal, or mortgage advice. Shop at least three lenders, compare Loan Estimates line-by-line, and consult a licensed mortgage professional before applying. Data reflects the CFPB HMDA 2024 Snapshot National Loan-Level Dataset; demographic fields reflect derived categories as reported by applicants.
Nearby Lenders in Louisiana
Top HMDA-reporting lenders active in Louisiana. Compare any two side-by-side for rates, denial rates, and loan mix.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 3,766 | 6.0% |
| 2 | GMFS, LLC | 3,284 | 5.3% |
| 3 | ROCKET MORTGAGE | 2,946 | 4.7% |
| 4 | DSLD Mortgage LLC | 1,912 | 3.1% |
| 5 | HANCOCK WHITNEY BANK | 1,883 | 3.0% |
Lending by Race in Louisiana
Derived race categories as reported under HMDA. Source: CFPB.
| Race | Applications | Approval Rate | Denial Rate |
|---|---|---|---|
| White | 68,486 | 56.5% | 19.2% |
| Black or African American | 29,210 | 38.1% | 35.4% |
| Asian | 2,328 | 56.0% | 18.2% |
| Joint | 1,803 | 50.8% | 25.6% |
| American Indian or Alaska Native | 787 | 36.9% | 31.3% |
| 2 or more minority races | 313 | 34.5% | 39.9% |
| Native Hawaiian or Other Pacific Islander | 144 | 32.6% | 42.4% |
Counties in Louisiana
| County | Applications | Originated | Denial Rate | Avg Loan |
|---|---|---|---|---|
| East Baton Rouge Parish | 13,587 | 6,686 | 15.8% | $251,583 |
| St. Tammany Parish | 10,170 | 4,807 | 16.4% | $257,762 |
| Jefferson Parish | 9,833 | 4,730 | 18.5% | $243,682 |
| Orleans Parish | 9,589 | 4,206 | 21.0% | $293,886 |
| Lafayette Parish | 8,739 | 4,257 | 17.9% | $231,181 |
| Caddo Parish | 6,764 | 3,083 | 21.1% | $172,918 |
| Livingston Parish | 6,151 | 2,763 | 18.1% | $193,903 |
| Calcasieu Parish | 5,703 | 2,619 | 18.3% | $200,029 |
| Tangipahoa Parish | 5,697 | 2,122 | 27.0% | $182,534 |
| Ascension Parish | 5,163 | 2,382 | 18.7% | $231,570 |
| Bossier Parish | 5,047 | 2,420 | 15.6% | $215,765 |
| Ouachita Parish | 4,415 | 2,223 | 16.6% | $185,179 |
| Rapides Parish | 3,708 | 1,755 | 18.9% | $176,327 |
| Terrebonne Parish | 2,866 | 1,216 | 25.8% | $177,474 |
| Lafourche Parish | 2,683 | 1,197 | 23.0% | $169,305 |
| St. Landry Parish | 2,230 | 855 | 27.8% | $159,740 |
| Vermilion Parish | 1,637 | 741 | 22.2% | $155,971 |
| Iberia Parish | 1,539 | 648 | 27.0% | $147,580 |
| Acadia Parish | 1,512 | 686 | 23.1% | $163,049 |
| St. Martin Parish | 1,500 | 650 | 24.2% | $160,387 |
| St. Charles Parish | 1,492 | 713 | 19.8% | $201,696 |
| Lincoln Parish | 1,363 | 628 | 21.6% | $183,019 |
| Vernon Parish | 1,312 | 587 | 19.4% | $175,877 |
| Beauregard Parish | 1,304 | 575 | 21.1% | $202,860 |
| Washington Parish | 1,277 | 510 | 27.2% | $136,441 |
| St. John the Baptist Parish | 1,209 | 480 | 26.4% | $153,925 |
| St. Bernard Parish | 1,208 | 506 | 19.4% | $183,733 |
| Webster Parish | 1,087 | 479 | 23.6% | $140,943 |
| West Baton Rouge Parish | 1,060 | 469 | 18.5% | $202,047 |
| Avoyelles Parish | 952 | 414 | 26.9% | $130,095 |
| St. Mary Parish | 944 | 382 | 30.9% | $129,290 |
| De Soto Parish | 942 | 402 | 23.9% | $185,191 |
| Natchitoches Parish | 921 | 373 | 27.8% | $170,201 |
| Iberville Parish | 856 | 378 | 25.5% | $166,507 |
| Jefferson Davis Parish | 822 | 374 | 22.6% | $154,854 |
| Union Parish | 773 | 313 | 25.7% | $138,402 |
| Sabine Parish | 704 | 272 | 26.9% | $159,375 |
| Pointe Coupee Parish | 701 | 322 | 26.0% | $161,833 |
| Grant Parish | 696 | 278 | 28.6% | $139,957 |
| Evangeline Parish | 670 | 292 | 23.9% | $133,463 |
| St. James Parish | 642 | 287 | 26.0% | $145,545 |
| Morehouse Parish | 617 | 225 | 28.0% | $123,169 |
| Plaquemines Parish | 604 | 267 | 17.2% | $276,192 |
| Richland Parish | 583 | 215 | 32.8% | $138,259 |
| East Feliciana Parish | 555 | 249 | 23.8% | $182,027 |
| Assumption Parish | 536 | 179 | 37.7% | $140,243 |
| St. Helena Parish | 527 | 142 | 38.0% | $128,245 |
| Allen Parish | 518 | 193 | 27.8% | $136,950 |
| LaSalle Parish | 506 | 261 | 23.5% | $128,360 |
| Franklin Parish | 478 | 134 | 31.4% | $125,063 |
| Concordia Parish | 380 | 142 | 32.4% | $155,447 |
| Jackson Parish | 378 | 119 | 30.4% | $144,471 |
| Bienville Parish | 370 | 133 | 30.8% | $137,919 |
| Claiborne Parish | 366 | 126 | 33.6% | $141,284 |
| Caldwell Parish | 325 | 163 | 20.6% | $126,138 |
| West Feliciana Parish | 305 | 142 | 21.6% | $245,361 |
| Winn Parish | 291 | 81 | 37.5% | $129,570 |
| West Carroll Parish | 268 | 99 | 25.8% | $109,104 |
| Red River Parish | 216 | 60 | 35.6% | $120,278 |
| Catahoula Parish | 179 | 79 | 28.5% | $123,603 |
| Cameron Parish | 155 | 63 | 23.2% | $195,903 |
| Madison Parish | 141 | 39 | 36.9% | $112,943 |
| East Carroll Parish | 121 | 28 | 41.3% | $123,264 |
| Tensas Parish | 65 | 21 | 26.1% | $149,154 |
Metro Areas in Louisiana
Frequently Asked Questions
How many mortgage applications were filed in Louisiana?
What is the mortgage denial rate in Louisiana?
What is the average mortgage loan amount in Louisiana?
How many mortgage lenders operate in Louisiana?
How do mortgage denial rates vary by demographics in Louisiana?
Which counties in Louisiana have the most mortgage activity?
Mortgage Lending Guides
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. State geography per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Demographic data reflects derived categories as reported by applicants. Provided for informational purposes only.
Read our methodology — how this data is sourced, computed, and verified.
