Mortgage Approval and Denial Rates in Louisiana (2025 HMDA)

Mortgage denial rates in Louisiana: lenders acted on 132,243 mortgage applications in Louisiana in 2025 and denied 21.9% of them, down from 23.7% in 2024. The national denial rate was 17.7%.

Applications acted on

132,243

Loans originated

69,035

Denial rate

21.9%

Median loan

$165,000

Louisiana against the national picture

Louisiana denial rate21.9%
National denial rate17.7%
Louisiana, 202423.7%

Most-reported denial reason in Louisiana: Credit history.

Counties ranked by denial rate

CountyApplicationsDenial rateMedian loan
East Carroll Parish11043.6%$85,000
St. Helena Parish43642.4%$115,000
Claiborne Parish39535.4%$105,000
Winn Parish28535.1%$115,000
West Carroll Parish25734.6%$105,000
Madison Parish15234.2%$105,000
Jackson Parish39633.6%$125,000
Concordia Parish42833.4%$105,000
St. Mary Parish94133.2%$115,000
Morehouse Parish58133.2%$105,000
Bienville Parish32632.8%$115,000
Union Parish72331.4%$115,000
Natchitoches Parish94331.1%$135,000
St. Landry Parish2,44530.9%$125,000
Assumption Parish52130.7%$125,000
Catahoula Parish19430.4%$115,000
Sabine Parish93730.3%$125,000
Red River Parish22830.3%$105,000
St. John the Baptist Parish1,06930.2%$135,000
St. James Parish56430.1%$105,000
Allen Parish46929.4%$115,000
Richland Parish67128.6%$125,000
Washington Parish1,14728.0%$125,000
De Soto Parish1,04027.5%$145,000
Tangipahoa Parish5,00427.3%$165,000
Iberville Parish82527.3%$135,000
St. Martin Parish1,61126.9%$135,000
East Feliciana Parish53526.4%$145,000
Iberia Parish1,43726.0%$115,000
Pointe Coupee Parish74425.9%$135,000
Grant Parish59225.7%$115,000
Franklin Parish49525.5%$105,000
Webster Parish1,11525.4%$115,000
Avoyelles Parish98224.3%$125,000
Caldwell Parish35124.2%$95,000
Terrebonne Parish2,49324.1%$145,000
Plaquemines Parish56223.5%$265,000
Vermilion Parish1,55223.1%$125,000
Lafourche Parish2,42922.6%$145,000
Evangeline Parish61522.4%$115,000
Caddo Parish6,58922.3%$145,000
Beauregard Parish1,29822.3%$165,000
Acadia Parish1,37221.9%$135,000
St. Bernard Parish1,11221.6%$165,000
Jefferson Davis Parish77221.6%$125,000
LaSalle Parish50921.6%$105,000
Vernon Parish1,21421.5%$165,000
Orleans Parish9,38221.3%$215,000
Lafayette Parish8,65620.8%$185,000
Livingston Parish5,72420.3%$185,000
Calcasieu Parish5,21320.2%$165,000
Rapides Parish3,60520.1%$145,000
Lincoln Parish1,25219.7%$155,000
Cameron Parish14919.5%$155,000
West Baton Rouge Parish97119.4%$195,000
Jefferson Parish9,51919.2%$185,000
Ouachita Parish4,42419.0%$155,000
East Baton Rouge Parish12,75018.6%$185,000
Ascension Parish4,76218.6%$215,000
St. Charles Parish1,48918.3%$185,000
St. Tammany Parish9,88217.5%$215,000
Bossier Parish4,56117.3%$205,000
West Feliciana Parish34015.0%$205,000

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Reading these numbers

The denial rate counts applications the lender acted on, so withdrawn files do not inflate it. A high rate does not automatically mean strict lenders: counties with many first-time or lower-income applicants tend to show higher denial rates because of debt-to-income and credit-history thresholds, which are the two reasons lenders report most often. Median loan amount and median applicant income are computed from the same application records, so they describe who is applying — not who ends up buying.

Source: Consumer Financial Protection Bureau, HMDA Data Browser (2025 loan application register). Latest observation 2026-08-23.