Lender in Louisiana · HMDA 2025
Lower, LLC mortgages in Louisiana
Lower, LLC's 2025 home-purchase and refinance lending in Louisiana, compared with all lenders in the state.
Lower, LLC originated 343 owner-occupied single-family loans in Louisiana from 381 completed applications.
Its median conventional purchase loan costs were $5,390 versus $4,900 for all Louisiana lenders, at a median 30-year fixed rate of 6.69% (Louisiana: 6.625%).
Loans in LA
343
of 381 applications
Denial rate
5.6%
Purchase · LA 10.2%
Rate spread
+0.33 pts
Conv. · LA +0.19 pts
Loan amount
$225,000
Purchase · LA $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 320 | 301 | 5.6% | 6.690% | +0.33 pts | $5,390 | $225,000 |
| Refinance | 15 | 12 | — | — | — | — | — |
| Cash-out refinance | 46 | 30 | 34.8% | — | — | — | $225,000 |
*Conventional loans only; medians with at least 20 loans.
Louisiana counties where Lower, LLC ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Calcasieu Parish | 4 | 88 | 4.7% |
| Allen Parish | 7 | 4 | 4.0% |
| Beauregard Parish | 9 | 11 | 2.9% |
| East Baton Rouge Parish | 13 | 86 | 1.9% |
| West Baton Rouge Parish | 14 | 5 | 1.5% |
| Cameron Parish | 15 | 1 | 3.3% |
| Iberville Parish | 17 | 4 | 1.7% |
| Jefferson Davis Parish | 19 | 5 | 1.9% |
| Ascension Parish | 21 | 17 | 1.0% |
| Bienville Parish | 24 | 1 | 2.2% |
- Lower, LLC nationwide
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- Lower, LLC in Iowa
- Lower, LLC in Kentucky
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology