State report · HMDA 2025

Louisiana mortgages and home buyers, 2025

Incomes, down payments, rates, loan costs, denials and lenders across Louisiana's 64 counties, from official HMDA records.

HMDA 2025 data released June 23, 2026

In 2025, lenders reported 31,328 home-purchase mortgages for owner-occupied, single-family homes in Louisiana. The median buyer borrowed $245,000 on a home valued at $265,000 and reported a household income of $94,000.

Buyers financed a median 96.5% of the home's value (roughly 3.5% down), paid a median 6.625% on 30-year fixed conventional loans and faced median conventional loan costs of $4,900.

Lenders denied 10.2% of completed home-purchase applications.

Purchase loans

31,328

480 lenders active

Buyer income

$94,000

U.S. $116,000

Down payment

3.5%

U.S. 10%

30-yr fixed rate

6.625%

U.S. 6.625%

Loan costs

$4,900

Conventional · U.S. $5,570

FHA limit 2026

$541,287

1-unit home, all counties

Key facts

Home buyers' median income ($94,000) is 19% lower than the U.S. median ($116,000).
Median conventional loan costs ($4,900) were 12% lower than the U.S. median ($5,570).
FHA loans made up 32.2% of purchase mortgages, versus 21.1% nationally.
USDA rural loans financed 6.9% of purchases.
23.6% of buyers put at least 20% down (financed 80% or less), compared with 38.5% nationally.
10.9% of single-family purchase mortgages financed manufactured homes.
The most common age bracket among borrowers was 25–34 (33.5% of purchase loans).
60.7% of purchase mortgages had a single borrower with no co-applicant.
The most-cited reason for denial was debt-to-income ratio (37.4% of denials with a stated reason).

The 2026 conforming limit is $832,750 for a one-unit home in every Louisiana county. See every Louisiana county's 2026 FHA and conforming loan limits.

Louisiana counties compared

Click a column to sort. Medians shown with at least 30 loans.

County	Purchase loans	Median loan	Buyer income	Down payment	30-yr rate	Loan costs	Denial rate	FHA limit
Acadia Parish	316	$185,000	$78,000	3.5%	6.625%	$4,740	10.0%	$541,287
Allen Parish	73	$155,000	$81,000	3.5%	—	—	12.6%	$541,287
Ascension Parish	1,272	$285,000	$112,000	5.0%	6.625%	$4,860	7.1%	$541,287
Assumption Parish	87	$175,000	$86,000	3.5%	—	—	11.9%	$541,287
Avoyelles Parish	192	$155,000	$78,000	3.5%	—	$4,110	20.9%	$541,287
Beauregard Parish	248	$235,000	$100,000	3.5%	6.625%	$4,480	10.7%	$541,287
Bienville Parish	30	$175,000	$78,000	—	—	—	8.6%	$541,287
Bossier Parish	1,411	$265,000	$101,000	3.5%	6.590%	$4,470	6.8%	$541,287
Caddo Parish	1,479	$205,000	$81,000	3.5%	6.625%	$4,220	10.7%	$541,287
Calcasieu Parish	1,430	$215,000	$94,000	3.5%	6.625%	$4,680	10.6%	$541,287
Caldwell Parish	34	$145,000	$75,000	—	—	—	11.6%	$541,287
Cameron Parish	18	—	—	—	—	—	—	$541,287
Catahoula Parish	15	—	—	—	—	—	—	$541,287
Claiborne Parish	44	$125,000	$71,000	3.5%	—	—	18.6%	$541,287
Concordia Parish	47	$165,000	$68,000	3.5%	—	—	12.3%	$541,287
De Soto Parish	168	$275,000	$106,000	3.5%	6.625%	$6,220	8.2%	$541,287
East Baton Rouge Parish	3,511	$255,000	$96,000	5.0%	6.625%	$5,040	10.7%	$541,287
East Carroll Parish	9	—	—	—	—	—	—	$541,287
East Feliciana Parish	80	$225,000	$104,000	5.0%	6.562%	$4,920	7.9%	$541,287
Evangeline Parish	103	$155,000	$88,000	3.5%	—	$4,010	6.9%	$541,287
Franklin Parish	49	$155,000	$74,000	4.0%	—	—	14.8%	$541,287
Grant Parish	90	$175,000	$75,000	3.5%	—	—	11.4%	$541,287
Iberia Parish	337	$185,000	$75,000	3.5%	6.625%	$4,360	12.7%	$541,287
Iberville Parish	153	$235,000	$92,000	3.5%	6.625%	$5,410	9.3%	$541,287
Jackson Parish	39	$165,000	$79,000	5.0%	—	—	10.2%	$541,287
Jefferson Parish	2,403	$255,000	$93,000	5.0%	6.575%	$5,140	10.3%	$541,287
Jefferson Davis Parish	185	$195,000	$84,000	3.5%	6.590%	$4,410	10.9%	$541,287
Lafayette Parish	2,741	$235,000	$92,000	5.0%	6.500%	$4,800	10.0%	$541,287
Lafourche Parish	614	$225,000	$94,000	3.5%	6.625%	$5,460	8.8%	$541,287
LaSalle Parish	70	$175,000	$96,000	3.5%	—	—	7.6%	$541,287
Lincoln Parish	243	$235,000	$101,000	5.0%	6.625%	$4,360	6.6%	$541,287
Livingston Parish	1,640	$235,000	$85,000	3.5%	6.625%	$4,720	9.3%	$541,287
Madison Parish	16	—	—	—	—	—	—	$541,287
Morehouse Parish	95	$155,000	$79,000	3.5%	—	—	16.4%	$541,287
Natchitoches Parish	155	$225,000	$98,000	3.5%	—	$4,390	16.6%	$541,287
Orleans Parish	1,954	$315,000	$129,000	8.3%	6.625%	$5,770	12.5%	$541,287
Ouachita Parish	991	$225,000	$93,000	3.5%	6.625%	$4,450	7.6%	$541,287
Plaquemines Parish	128	$375,000	$140,000	5.0%	6.625%	$6,140	7.1%	$541,287
Pointe Coupee Parish	107	$235,000	$90,000	5.0%	6.500%	$4,660	8.3%	$541,287
Rapides Parish	754	$215,000	$86,000	3.5%	6.500%	$3,890	12.7%	$541,287
Red River Parish	26	—	—	—	—	—	—	$541,287
Richland Parish	67	$215,000	$104,000	3.5%	—	—	18.1%	$541,287
Sabine Parish	82	$225,000	$106,000	5.0%	—	—	15.0%	$541,287
St. Bernard Parish	273	$215,000	$80,000	3.5%	6.625%	$5,160	9.6%	$541,287
St. Charles Parish	393	$265,000	$104,000	5.0%	6.625%	$4,670	6.2%	$541,287
St. Helena Parish	26	—	—	—	—	—	15.6%	$541,287
St. James Parish	93	$185,000	$97,000	5.0%	—	$5,030	6.8%	$541,287
St. John the Baptist Parish	219	$195,000	$75,000	3.5%	6.750%	$5,000	19.1%	$541,287
St. Landry Parish	382	$185,000	$74,000	3.5%	6.750%	$4,790	14.6%	$541,287
St. Martin Parish	265	$215,000	$86,000	3.5%	6.625%	$4,680	11.7%	$541,287
St. Mary Parish	179	$165,000	$76,000	3.5%	6.750%	$4,830	12.8%	$541,287
St. Tammany Parish	2,877	$275,000	$109,000	5.0%	6.625%	$4,880	7.6%	$541,287
Tangipahoa Parish	1,042	$245,000	$86,000	3.5%	6.562%	$4,610	12.2%	$541,287
Tensas Parish	6	—	—	—	—	—	—	$541,287
Terrebonne Parish	618	$215,000	$84,000	3.5%	6.500%	$4,630	11.7%	$541,287
Union Parish	82	$215,000	$88,000	3.5%	—	—	10.9%	$541,287
Vermilion Parish	359	$225,000	$86,000	3.5%	6.625%	$4,610	12.4%	$541,287
Vernon Parish	250	$225,000	$98,000	0.0%	—	$4,250	10.9%	$541,287
Washington Parish	151	$195,000	$87,000	3.5%	—	$4,730	9.0%	$541,287
Webster Parish	198	$165,000	$75,000	3.5%	6.625%	$4,180	7.4%	$541,287
West Baton Rouge Parish	252	$245,000	$93,000	3.5%	6.625%	$4,740	8.4%	$541,287
West Carroll Parish	30	$175,000	$76,000	—	—	—	11.1%	$541,287
West Feliciana Parish	79	$315,000	$142,000	10.0%	6.750%	$5,340	0.0%	$541,287
Winn Parish	39	$165,000	$83,000	5.0%	—	—	8.7%	$541,287

Who bought homes in Louisiana

Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.

Purchase loans

31,328

of 36,039 applications

Buyer income

$94,000

Middle half $66,000–$142,000

Home value

$265,000

Middle half $205,000–$355,000

Loan amount

$245,000

Middle half $185,000–$315,000

Down payment

3.5%

23.6% put 20%+ down

Single borrower

60.7%

No co-applicant

Values are medians; "middle half" is the 25th to 75th percentile.

Loan type

Conventional 48.2% 15,105

FHA 32.2% 10,072

VA 12.7% 3,984

USDA 6.9% 2,167

What the homes were for

Primary residence 92.6% 35,196

Second home 1.3% 507

Investment property 6.1% 2,313

All first-lien, closed-end purchase mortgages, including second homes and investors.

Borrower age

Under 25 9.9%

25–34 33.5%

35–44 25.7%

45–54 14.7%

55–64 9.4%

65–74 5.1%

75 and over 1.7%

Debt-to-income ratio

Under 20% 3.8%

20–29% 14.3%

30–35% 16.1%

36–42% 26.0%

43–49% 27.5%

50–60% 11.8%

Over 60% 0.5%

Monthly debts (including the new payment) as a share of income, as used in underwriting.

What borrowing cost in Louisiana

Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.

Measure	Louisiana	U.S.
30-year fixed rate · conventional	6.625%	6.625%
30-year fixed rate · FHA	6.250%	6.250%
30-year fixed rate · VA	6.250%	6.125%
15-year fixed rate · conventional	5.875%	5.875%
Rate spread vs. APOR · conventional	+0.19 pts	+0.13 pts
Total loan costs · conventional	$4,900	$5,570
Total loan costs · FHA	$8,570	$11,310
Total loan costs · VA	$5,000	$6,490
Origination charges (all loan types)	$1,600	$1,860
Borrowers paying discount points	49.4%	51.3%
Points paid, when paid (% of loan)	0.62%	0.87%
Borrowers receiving lender credits	27.7%	33.1%
Adjustable-rate mortgages	2.4%	7.4%
Jumbo loans (above conforming limit)	1.2%	3.8%

Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.

Approvals and denials

Louisiana: 3,681 of 36,039 completed home-purchase applications were denied (10.2%).

Denial rate

Application	Louisiana	U.S.
Home purchase	10.2%	8.5%
Conventional	8.1%	7.1%
FHA	13.5%	12.5%
VA	9.4%	8.0%
USDA	10.0%	12.5%
Refinance	17.9%	17.9%
Cash-out refinance	46.9%	33.6%

Main reason for purchase denials

Debt-to-income ratio 37.4%

Credit history 20.3%

Collateral (appraisal/property) 10.8%

Other 9.0%

Credit application incomplete 7.9%

Insufficient cash (down payment/closing costs) 6.6%

Unverifiable information 5.6%

Employment history 2.3%

Mortgage insurance denied 0.1%

First reason the lender reported.

Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.

Refinancing in Louisiana

Refinances

6,881

Median loan $255,000

Refi rate

6.50%

30-yr fixed, conv.

Refi loan costs

$5,190

Conventional

Cash-out refis

4,493

Median loan $185,000

Cash-out rate

6.875%

30-yr fixed, conv.

Cash-out income

$87,000

Median borrower

Top mortgage lenders in Louisiana

#	Lender	Loans	Share	Denial rate	30-yr rate*	Spread*	Costs*
1	United Wholesale Mortgage (UWM)	3,904	9.1%	8.4%	6.625%	+0.27	$6,130
2	Rocket Mortgage, LLC	2,485	5.8%	16.4%	6.625%	+0.28	$5,710
3	GMFS LLC	1,939	4.5%	2.6%	6.625%	+0.14	$2,890
4	DSLD Mortgage, LLC	1,844	4.3%	7.6%	6.500%	−0.12	$720
5	Assurance Financial Group, L.L.C.	1,124	2.6%	4.3%	6.750%	+0.36	$4,980
6	Eustis Mortgage Corporation	1,082	2.5%	2.6%	6.750%	+0.26	$5,620
7	Veterans United Home Loans	1,025	2.4%	12.4%	—	—	—
8	Fidelity Bank	1,022	2.4%	5.6%	6.625%	+0.32	$5,680
9	Movement Mortgage, LLC	1,015	2.4%	2.2%	6.625%	+0.18	$5,070
10	Freedom Mortgage Corporation	1,007	2.4%	11.8%	—	—	$5,410
11	DHI Mortgage Company, Ltd.	926	2.2%	30.3%	5.500%	−0.94	$3,010
12	Hancock Whitney Bank	903	2.1%	8.1%	6.500%	+0.06	$4,990
13	JPMorgan Chase Bank, N.A.	875	2.1%	11.7%	6.500%	+0.02	$3,440
14	Newrez LLC	822	1.9%	11.7%	6.625%	+0.31	$5,050
15	Gulf Coast Bank and Trust Company	803	1.9%	7.9%	6.625%	+0.28	$4,950
16	First Horizon Bank	800	1.9%	4.5%	6.500%	−0.01	$5,130
17	Pennymac Loan Services, LLC	742	1.7%	11.5%	6.624%	+0.27	$5,290
18	Synergy One Lending, Inc.	691	1.6%	4.0%	6.750%	+0.37	$5,600
19	Red River Bank	534	1.3%	19.0%	6.250%	−0.08	$3,750
20	Navy Federal Credit Union	515	1.2%	11.4%	6.750%	+0.03	$3,750
21	Equity Prime Mortgage LLC	491	1.1%	12.7%	—	—	—
22	Planet Home Lending, LLC	476	1.1%	17.9%	6.750%	+0.40	$4,870
23	Regions Bank	473	1.1%	18.8%	6.625%	+0.15	$5,170
24	CrossCountry Mortgage, Inc.	465	1.1%	3.5%	6.990%	+0.51	$5,720
25	Guild Mortgage Company	408	1.0%	5.8%	6.625%	+0.24	$5,380

Largest lenders in Louisiana by 2025 originations. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).

Metro areas in Louisiana

Baton Rouge, LA · 7,207 purchases
New Orleans-Metairie, LA · 5,463 purchases
Lafayette, LA · 3,681 purchases
Shreveport-Bossier City, LA · 3,058 purchases
Slidell-Mandeville-Covington, LA · 2,877 purchases
Lake Charles, LA · 1,633 purchases
Monroe, LA · 1,235 purchases
Houma-Bayou Cane-Thibodaux, LA · 1,232 purchases
Hammond, LA · 1,042 purchases
Alexandria, LA · 844 purchases

Source: FFIEC/CFPB HMDA 2025 public LAR; FHFA and HUD 2026 loan limits. Methodology