Louisiana mortgage lenders: applications, originations, denial rate and counties, 2024

States › Louisiana

HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Record year 2024.

Louisiana had 121,519 HMDA-reported mortgage applications and 62,375 originations ($15bn) in 2024, from 296 lenders with at least 25 applications in the state.

The statewide denial rate was 30.2% (national 24.3%) and the median rate spread 0.4 percentage points (national 0.3). Originations ran at 34.6 per 1,000 households, against 48.0 nationally.

Originations in the state went from 84,832 in 2018 to 62,375 in 2024; the denial rate moved from 27.8% to 30.2%.

The most active lenders by originations were United Wholesale Mortgage (3,766), Gmfs, LLC (3,284) and Rocket Mortgage (2,946).

121,519applications, 2024

62,375loans originated$15bn

30.2%denial rateUS 24.3%

34.6originations per 1,000 householdsUS 48.0

Most active lenders in Louisiana

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	United Wholesale Mortgage	4,998	3,766	$918m	13.0%	0.3
2	Gmfs, LLC	4,522	3,284	$898m	4.5%	0.3
3	Rocket Mortgage	4,528	2,946	$561m	27.3%	0.6
4	DSLD Mortgage LLC	2,667	1,912	$479m	10.8%	-0.2
5	Hancock Whitney Bank	3,136	1,883	$374m	27.3%	0.2
6	Fidelity Bank	2,289	1,515	$393m	14.7%	0.5
7	Gulf Coast Bank and Trust	2,042	1,398	$381m	13.7%	0.3
8	Eustis Mortgage Corp	1,676	1,223	$310m	4.0%	0.5
9	Movement Mortgage, LLC	1,597	1,174	$261m	3.4%	0.6
10	21st Mortgage	6,520	1,158	$126m	69.0%	4.0
11	JPMorgan Chase Bank, NA	1,644	1,090	$262m	13.6%	0.2
12	Regions Bank	3,099	1,081	$186m	54.1%	0.5
13	Assurance Financial Group, L.L.C.	1,328	1,001	$237m	5.7%	0.5
14	First Horizon Bank	1,608	988	$295m	28.8%	0.3
15	Freedom Mortgage Corporation	1,994	984	$263m	18.3%	0.2
16	Mortgage Research Center	2,068	967	$236m	28.5%	-0.0
17	DHI Mortgage Company, LTD.	1,538	966	$240m	21.7%	-1.3
18	Newrez LLC	1,933	844	$189m	29.8%	0.5
19	Red River Bank	1,212	837	$211m	15.5%	0.1
20	Navy Federal Credit Union	2,020	740	$148m	43.9%	0.1
21	Origin Bank	830	676	$149m	3.9%	0.4
22	Cadence Bank	990	665	$126m	20.5%	0.3
23	EFCU Financial Federal Credit Union	899	645	$104m	15.5%	—
24	b1BANK	774	619	$172m	7.7%	0.9
25	Vanderbilt Mortgage and Finance, Inc	4,652	586	$58m	77.1%	4.1
26	Crosscountry Mortgage, LLC	980	572	$157m	4.6%	0.6
27	Pennymac Loan Services LLC	1,353	536	$135m	25.9%	0.1
28	Equity Prime Mortgage LLC	725	509	$97m	4.3%	0.7
29	First American Bank and Trust	685	486	$89m	17.1%	1.3
30	Barksdale Federal Credit Union	978	481	$49m	35.2%	-0.1
31	Guild Mortgage Company	764	454	$70m	10.2%	0.6
32	Planet Home Lending, LLC	599	450	$91m	20.8%	0.4
33	Triad Financial Services, Inc.	3,938	424	$48m	58.0%	2.6
34	Loandepot.com, LLC	1,182	422	$77m	52.4%	0.7
35	Nationstar Mortgage	682	410	$69m	23.9%	1.1
36	Lower, LLC	563	397	$90m	8.4%	0.6
37	Standard Mortgage Corporation	543	363	$97m	11.9%	0.0
38	Eagle Bank and Trust Company	477	356	$66m	5.8%	0.4
39	Fairway Independent Mort Corp	492	341	$71m	9.7%	0.7
40	First Community Mortgage	392	333	$78m	7.3%	0.4
41	Union Home Mortgage Corp.	425	309	$72m	15.1%	0.3
42	Neighbors Federal Credit Union	800	307	$42m	57.7%	—
43	Click n' Close, Inc.	562	302	$55m	3.1%	2.2
44	Bankplus	423	302	$131m	13.0%	-0.2
45	Synergy Bank	366	294	$54m	6.3%	1.7
46	New American Funding, LLC.	1,003	291	$68m	37.1%	0.8
47	Flagstar Bank NA	441	290	$62m	23.0%	0.5
48	Evangeline Bank & Trust Company	359	288	$44m	4.7%	2.0
49	Citizens Bank and Trust Co	295	283	$58m	0.4%	—
50	Southern Heritage Bank	321	271	$36m	9.4%	—
51	Home Bank National Association	371	269	$90m	10.9%	-0.0
52	Discover Bank	2,217	261	$19m	83.2%	2.7
53	Ark-La-Tex Financial Services LLC	365	261	$55m	3.6%	0.4
54	Guaranty Bank & Trust Company of Delhi, Louisiana	296	257	$36m	4.6%	—
55	Homeland Federal Savings Bank	310	253	$47m	6.3%	—
56	First Guaranty Bank	365	242	$49m	14.6%	—
57	Citizens Savings Bank	275	220	$28m	6.2%	—
58	Primary Residential Mortgage, INC.	297	207	$43m	5.9%	0.7
59	American Financial Resources LLC	315	204	$39m	16.7%	0.8
60	Spring Eq, LLC	761	203	$14m	67.9%	4.4

Top 60 of 296 lenders with at least 25 applications in the state, by originations. 162 lenders have 100 or more applications here and link to a state-specific page.

Compared with the nation

Measure	Louisiana	United States
Denial rate	30.2%	24.3%
Median rate spread, pp	0.4	0.3
Originations with spread of 1.5 pp or more	17.0%	15.6%
Average originated loan	$234k	$329k
Originations per 1,000 households	34.6	48.0
Home purchase share of originations	63.7%	57.0%
FHA-insured share	20.7%	13.4%
VA-guaranteed share	9.3%	7.9%

Trend, 2018–2024

ApplicationsOriginations

Applications and originations in Louisiana by year

LouisianaUnited States

Denial rate by year, US dashed

FHA share of originationsVA share

FHA-insured and VA-guaranteed shares of originations in Louisiana by year

Year	Applications	Originations	Amount	Denial rate	FHA	VA	Refinance share
2018	150,187	84,832	$16bn	27.8%	15.8%	7.3%	32.8%
2019	164,185	95,686	$20bn	24.7%	16.9%	9.2%	36.1%
2020	235,588	143,037	$32bn	20.0%	13.7%	10.2%	55.1%
2021	244,083	142,548	$32bn	21.4%	15.5%	9.5%	49.0%
2022	168,479	88,302	$21bn	28.3%	16.9%	7.7%	28.2%
2023	121,343	60,832	$14bn	31.6%	19.4%	7.7%	22.2%
2024	121,519	62,375	$15bn	30.2%	20.7%	9.3%	24.6%

Yearly figures from the HMDA Data Browser aggregations for the state (all reporters).

Loan purpose and loan type, 2024

By purpose

Home purchase 64% (39,733)Home improvement 5% (3,127)Refinancing 15% (9,245)Cash-out refinancing 10% (6,107)Other purpose 7% (4,161)

By type

Conventional 66% (41,407)FHA 21% (12,918)VA 9% (5,805)USDA 4% (2,245)

Counties

County	Applications	Originations	Per 1,000 households	Denial rate	Median spread	Lenders
East Baton Rouge Parish	11,638	6,688	37.7	23.3%	0.4	89
St. Tammany Parish	8,670	4,811	45.8	24.6%	0.3	64
Jefferson Parish	8,609	4,734	26.7	26.4%	0.4	69
Lafayette Parish	7,474	4,257	42.2	25.9%	0.3	60
Orleans Parish	8,486	4,209	27.0	30.8%	0.4	67
Caddo Parish	5,915	3,084	32.2	30.1%	0.4	53
Livingston Parish	5,108	2,764	51.6	27.0%	0.4	46
Calcasieu Parish	4,884	2,624	33.7	26.9%	0.5	44
Bossier Parish	4,215	2,420	47.6	23.3%	0.2	39
Ascension Parish	4,399	2,382	50.0	27.5%	0.4	40
Ouachita Parish	3,817	2,225	36.2	23.8%	0.5	40
Tangipahoa Parish	4,873	2,123	40.8	39.4%	0.5	41
Rapides Parish	3,258	1,755	35.8	27.1%	0.4	32
Terrebonne Parish	2,516	1,217	28.9	35.9%	0.4	24
Lafourche Parish	2,336	1,197	31.7	32.2%	0.5	25
St. Landry Parish	2,012	855	26.6	38.8%	0.7	16
Vermilion Parish	1,442	741	34.0	30.9%	0.5	13
St. Charles Parish	1,317	714	38.4	27.6%	0.4	18
Acadia Parish	1,371	686	31.0	31.4%	0.6	12
St. Martin Parish	1,346	650	33.2	33.0%	0.6	11
Iberia Parish	1,400	648	24.2	36.7%	0.5	11
Lincoln Parish	1,189	629	34.0	30.0%	0.5	9
Vernon Parish	1,185	587	32.1	27.9%	0.4	13
Beauregard Parish	1,157	575	41.8	30.4%	0.4	12
Washington Parish	1,142	510	28.8	37.6%	0.8	9
St. Bernard Parish	1,022	506	31.2	30.2%	0.6	10
St. John the Baptist Parish	1,078	480	31.7	37.8%	0.7	11
Webster Parish	970	479	33.4	32.8%	0.7	8
West Baton Rouge Parish	867	469	42.7	28.6%	0.4	8
Avoyelles Parish	869	414	28.7	36.4%	0.8	9
De Soto Parish	842	402	38.3	33.5%	0.8	7
St. Mary Parish	861	382	20.7	41.0%	0.6	11
Iberville Parish	762	378	33.5	34.9%	0.4	6
Jefferson Davis Parish	749	374	31.0	30.6%	0.9	8
Natchitoches Parish	846	373	25.7	38.0%	0.6	8
Pointe Coupee Parish	667	322	38.6	33.8%	0.7	7
Union Parish	705	313	36.8	35.3%	0.8	6
Evangeline Parish	602	292	23.2	32.7%	0.8	4
St. James Parish	591	287	38.0	34.4%	0.8	4
Grant Parish	640	278	37.4	38.1%	0.8	4
Sabine Parish	653	273	31.1	36.9%	1.1	5
Plaquemines Parish	517	267	32.5	26.5%	0.2	4
LaSalle Parish	469	261	51.7	30.1%	0.7	5
East Feliciana Parish	504	249	38.9	32.6%	0.4	5
Morehouse Parish	552	225	23.0	40.1%	0.8	3
Richland Parish	534	215	29.7	43.9%	0.5	4
Allen Parish	470	193	24.6	38.8%	0.8	3
Assumption Parish	499	179	20.3	49.6%	0.6	6
Caldwell Parish	295	163	43.9	27.3%	1.2	2
Concordia Parish	330	142	21.0	43.8%	0.9	4
St. Helena Parish	480	142	34.0	52.9%	1.8	3
West Feliciana Parish	283	142	35.3	29.9%	0.5	2
Franklin Parish	401	134	17.8	48.1%	0.9	3
Bienville Parish	340	133	23.9	42.1%	1.0	2
Claiborne Parish	341	126	24.4	45.2%	0.9	3
Jackson Parish	338	119	21.3	45.6%	0.7	2
West Carroll Parish	237	99	25.7	38.5%	0.6	1
Winn Parish	259	81	16.9	53.7%	1.3	3
Catahoula Parish	166	79	24.7	37.2%	—	1
Cameron Parish	138	64	31.7	32.7%	1.0	0
Red River Parish	193	60	19.4	52.4%	0.6	2
Madison Parish	124	39	12.8	51.5%	0.8	0
East Carroll Parish	113	28	10.7	56.8%	—	1
Tensas Parish	59	21	13.3	40.5%	—	0

By originations. Lenders: those with at least 25 applications in the county.

VA-guaranteed loans by month

VA publishes lender volume nationally, not by state; see the Aug 2026 VA lender table and the monthly series. The VA-guaranteed share of Louisiana originations by year is charted above from HMDA.

Questions and answers

Which mortgage lenders are most active in Louisiana?

By 2024 originations: United Wholesale Mortgage (3,766), Gmfs, LLC (3,284), Rocket Mortgage (2,946), DSLD Mortgage LLC (1,912), Hancock Whitney Bank (1,883). 296 lenders had at least 25 applications in the state.

What is the mortgage denial rate in Louisiana?

30.2% of decided applications were denied in 2024, against 24.3% nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

How has mortgage lending in Louisiana changed since 2018?

Originations went from 84,832 in 2018 to 62,375 in 2024; the denial rate moved from 27.8% to 30.2%.

Where does this data come from?

From the public HMDA loan/application register (FFIEC and CFPB) for 2024, the HMDA Data Browser aggregations for 2018–2024, and Census Bureau household estimates.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 and Data Browser aggregations 2018–2024 (FFIEC and CFPB, public domain); households from the Census Bureau ACS 2024 five-year estimates. Built 30 Sep 2026; data through 1 Aug 2026.