BATON ROUGE Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Baton Rouge averaged
6.69%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.12% and
one month ago for the week of 2025-05-15, the
average rate was 6.99%.
Baton Rouge's average rate one year ago was 7.13%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.09%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Baton Rouge 30 Year Fixed Rate | 2025-06-18 | 6.69% |
| Baton Rouge 30 Year Fixed Rate Refi | 2025-06-18 | 7.09% |
| Baton Rouge 15 Year Fixed Rate | 2025-06-18 | 6.31% |
| Baton Rouge 15 Year Fixed Rate Refi | 2025-06-18 | 6.46% |
| Baton Rouge 30 Year FHA | 2025-06-18 | -0.07% |
| Baton Rouge 30 Year FHA Refi | 2025-06-18 | -0.35% |
| Baton Rouge 30 Year USDA | 2025-06-18 | -0.36% |
| Baton Rouge 30 Year USDA Refi | 2025-06-18 | 0.2% |
| Baton Rouge 30 Year VA | 2025-06-18 | 0.1% |
| Baton Rouge 30 Year VA Refi | 2025-06-18 | -0.5% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within BATON ROUGE, LA.
BATON ROUGE Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the BATON ROUGE, LA market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
BATON ROUGE Average Closing Costs & Other Stats
BATON ROUGE, LA's 185 lenders originated 13,652
loans during 2024. The total origination value was $3,470,710,000, with an average loan value of
$254,227.
BATON ROUGE's average closing costs are $5,530.
The top BATON ROUGE lender as defined by loan originations is GMFS LLC, with
817 loans originated. Their average total fees are
$4,185, which is $3,610
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee BATON ROUGE lenders (with over 10 loans originated) are
DSLD MORTGAGE, LLC ($1,326), DHI MORTGAGE COMPANY, LTD. ($3,219), JPMorgan Chase Bank ($3,869), Red River Bank ($4,058) and ARK-LA-TEX FINANCIAL SERVICES, LLC. ($4,066).
The lowest rate BATON ROUGE lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (5.81%), Campus Federal Credit Union (5.90%), Bank of America (6.21%), La Capitol Federal Credit Union (6.24%) and Onpath Federal Credit Union (6.32%).
BATON ROUGE, LA Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| GMFS LLC | $414,575,000 | $431,650,000 | 4.1% | 12.4% |
| ESSENTIAL | $9,385,000 | $224,565,000 | 2,292.8% | 6.5% |
| UNITED WHOLESALE MORTGAGE, LLC | $197,585,000 | $214,040,000 | 8.3% | 6.2% |
| DSLD MORTGAGE, LLC | $121,545,000 | $146,425,000 | 20.5% | 4.2% |
| Hancock Whitney Bank | $108,110,000 | $111,810,000 | 3.4% | 3.2% |
| QUICKEN LOANS, LLC | $93,875,000 | $108,105,000 | 15.2% | 3.1% |
| Assurance Financial Group, L.L.C. | $132,630,000 | $106,755,000 | -19.5% | 3.1% |
| EFCU FINANCIAL | $96,540,000 | $93,190,000 | -3.5% | 2.7% |
| Regions Bank | $66,065,000 | $66,415,000 | 0.5% | 1.9% |
| FIDELITY BANK | $52,575,000 | $64,795,000 | 23.2% | 1.9% |
| JPMorgan Chase Bank | $41,760,000 | $63,610,000 | 52.3% | 1.8% |
| DHI MORTGAGE COMPANY, LTD. | $62,380,000 | $58,175,000 | -6.7% | 1.7% |
| Gulf Coast Bank and Trust Company | $35,570,000 | $56,690,000 | 59.4% | 1.6% |
| FREEDOM MORTGAGE CORPORATION | $20,335,000 | $53,815,000 | 164.6% | 1.6% |
| b1BANK | $5,560,000 | $51,890,000 | 833.3% | 1.5% |
| MOVEMENT MORTGAGE, LLC | $42,255,000 | $50,900,000 | 20.5% | 1.5% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $33,605,000 | $46,385,000 | 38.0% | 1.3% |
| First Horizon Bank | $69,230,000 | $44,920,000 | -35.1% | 1.3% |
| Red River Bank | $52,230,000 | $41,925,000 | -19.7% | 1.2% |
| NEWREZ LLC | $22,795,000 | $41,670,000 | 82.8% | 1.2% |
| Neighbors Federal Credit Union | $7,045,000 | $41,505,000 | 489.1% | 1.2% |
| HOMESIDE FINANCIAL, LLC | $3,725,000 | $35,715,000 | 858.8% | 1.0% |
| Mortgage Research Center, LLC | $30,945,000 | $34,480,000 | 11.4% | 1.0% |
| BankPlus | $35,770,000 | $29,650,000 | -17.1% | 0.9% |
| Bank of Zachary | $26,165,000 | $27,485,000 | 5.0% | 0.8% |
| Residential Acceptance Corporation | $27,470,000 | n/a | 0.8% | |
| Bank of St. Francisville | $31,200,000 | $27,275,000 | -12.6% | 0.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $27,255,000 | $26,540,000 | -2.6% | 0.8% |
| BancorpSouth | $29,925,000 | $26,335,000 | -12.0% | 0.8% |
| CROSSCOUNTRY MORTGAGE, LLC | $13,570,000 | $25,325,000 | 86.6% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $16,350,000 | $25,135,000 | 53.7% | 0.7% |
| FIRST COMMUNITY MORTGAGE, INC. | $6,520,000 | $23,655,000 | 262.8% | 0.7% |
| THE MORTGAGE FIRM, INC. | $17,455,000 | $23,380,000 | 33.9% | 0.7% |
| WALKER & DUNLOP, LLC | $73,535,000 | $23,105,000 | -68.6% | 0.7% |
| First American Bank and Trust | $20,385,000 | $22,090,000 | 8.4% | 0.6% |
| ORIX REAL ESTATE CAPITAL, LLC | $24,685,000 | $20,545,000 | -16.8% | 0.6% |
| Guaranty Bank and Trust Company | $27,075,000 | $20,345,000 | -24.9% | 0.6% |
| Citizens Bank and Trust Company | $23,600,000 | $20,105,000 | -14.8% | 0.6% |
| Jeff Davis Bancshares | $5,320,000 | $19,620,000 | 268.8% | 0.6% |
| CARDINAL FINANCIAL | $43,670,000 | $19,480,000 | -55.4% | 0.6% |
| Mr. Cooper ( Nationstar Mortgage ) | $7,135,000 | $18,790,000 | 163.3% | 0.5% |
| Equity Prime Mortgage LLC | $7,055,000 | $18,295,000 | 159.3% | 0.5% |
| Prudential Huntoon Paige Associates, LLC | $17,200,000 | n/a | 0.5% | |
| SUN WEST MORTGAGE COMPANY, INC. | $13,185,000 | $16,525,000 | 25.3% | 0.5% |
| 21ST MORTGAGE CORPORATION | $13,485,000 | $16,270,000 | 20.7% | 0.5% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $15,800,000 | $16,030,000 | 1.5% | 0.5% |
| Synergy Bank | $6,340,000 | $15,895,000 | 150.7% | 0.5% |
| LOANDEPOT.COM, LLC | $24,580,000 | $15,295,000 | -37.8% | 0.4% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $12,730,000 | $15,270,000 | 20.0% | 0.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $13,500,000 | $15,090,000 | 11.8% | 0.4% |
| GUILD MORTGAGE COMPANY | $7,430,000 | $14,315,000 | 92.7% | 0.4% |
| Wolfe Financial, Inc | $12,355,000 | $12,855,000 | 4.0% | 0.4% |
| VILLAGE CAPITAL MORTGAGE | $3,520,000 | $12,675,000 | 260.1% | 0.4% |
| Landmark Bank | $16,800,000 | $12,650,000 | -24.7% | 0.4% |
| Flagstar Bank, FSB | $5,045,000 | $12,180,000 | 141.4% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $20,220,000 | $12,110,000 | -40.1% | 0.3% |
| The Cottonport Bank | $6,665,000 | $11,925,000 | 78.9% | 0.3% |
| Campus Federal Credit Union | $10,105,000 | $11,825,000 | 17.0% | 0.3% |
| CMG MORTGAGE, INC. | $7,755,000 | $11,640,000 | 50.1% | 0.3% |
| HOMESPIRE MORTGAGE CORPORATION | $3,635,000 | $11,420,000 | 214.2% | 0.3% |
| Bank of America | $8,730,000 | $11,175,000 | 28.0% | 0.3% |
| First Guaranty Bank | $18,035,000 | $11,125,000 | -38.3% | 0.3% |
| UNION HOME MORTGAGE CORP. | $10,275,000 | $10,215,000 | -0.6% | 0.3% |
| MID AMERICA MORTGAGE, INC. | $10,320,000 | $10,120,000 | -1.9% | 0.3% |
| The First, A National Banking Association | $15,120,000 | $10,045,000 | -33.6% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $4,485,000 | $9,880,000 | 120.3% | 0.3% |
| Feliciana Bank & Trust Company | $13,355,000 | $9,850,000 | -26.2% | 0.3% |
| La Capitol Federal Credit Union | $5,705,000 | $9,750,000 | 70.9% | 0.3% |
| First Option Mortgage, LLC | $11,095,000 | $9,555,000 | -13.9% | 0.3% |
| Home Bank | $20,175,000 | $8,865,000 | -56.1% | 0.3% |
| AMERITRUST MORTGAGE CORPORATION | $8,805,000 | n/a | 0.3% | |
| Webster Bank | $8,705,000 | n/a | 0.3% | |
| CANOPY MORTGAGE, LLC | $8,700,000 | n/a | 0.3% | |
| BROKER SOLUTIONS, INC. | $3,740,000 | $8,680,000 | 132.1% | 0.3% |
| WYMAR FEDERAL CREDIT UNION | $13,615,000 | $8,315,000 | -38.9% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,885,000 | $7,785,000 | 169.8% | 0.2% |
| STANDARD MORTGAGE CORPORATION | $9,475,000 | $7,770,000 | -18.0% | 0.2% |
| Onpath Federal Credit Union | $7,715,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $6,945,000 | $7,575,000 | 9.1% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $6,085,000 | $7,465,000 | 22.7% | 0.2% |
| GENEVA FINANCIAL, LLC | $1,475,000 | $7,365,000 | 399.3% | 0.2% |
| JONES LANG LASALLE MULTIFAMILY, LLC | $7,285,000 | n/a | 0.2% | |
| The Loan Store, Inc. | $1,085,000 | $7,160,000 | 559.9% | 0.2% |
| USAA Federal Savings Bank | $7,070,000 | $7,030,000 | -0.6% | 0.2% |
| PLANET HOME LENDING, LLC | $3,335,000 | $7,025,000 | 110.6% | 0.2% |
| MORTGAGE FINANCIAL SERVICES, LLC | $5,880,000 | $6,610,000 | 12.4% | 0.2% |
| US MORTGAGE CORPORATION | $4,065,000 | $6,530,000 | 60.6% | 0.2% |
| SOUTHWEST FUNDING, LP | $6,395,000 | n/a | 0.2% | |
| Pelican State Credit Union | $5,935,000 | $6,115,000 | 3.0% | 0.2% |
| Merchants & Marine Bank | $2,290,000 | $5,945,000 | 159.6% | 0.2% |
| Paramount Residential Mortgage Group, Inc. | $15,445,000 | $5,935,000 | -61.6% | 0.2% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | $445,000 | $5,925,000 | 1,231.5% | 0.2% |
| United Community Bank | $1,155,000 | $5,620,000 | 386.6% | 0.2% |
| Cornerstone First Mortgage, Inc | $1,245,000 | $5,590,000 | 349.0% | 0.2% |
| Resource Bank | $12,255,000 | $5,470,000 | -55.4% | 0.2% |
| NEW DAY FINANCIAL, LLC | $1,670,000 | $5,320,000 | 218.6% | 0.2% |
| Wells Fargo Bank | $76,520,000 | $5,300,000 | -93.1% | 0.2% |
| U.S. Bank | $7,890,000 | $5,210,000 | -34.0% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $4,710,000 | $4,840,000 | 2.8% | 0.1% |
| Network Funding, L.P. | $6,155,000 | $4,660,000 | -24.3% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $7,055,000 | $4,655,000 | -34.0% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $1,210,000 | $4,515,000 | 273.1% | 0.1% |
| SUMMIT FUNDING, INC. | $6,890,000 | $4,505,000 | -34.6% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $7,815,000 | $4,465,000 | -42.9% | 0.1% |
| OCMBC, INC. | $3,775,000 | $4,270,000 | 13.1% | 0.1% |
| AmeriHome Mortgage Company, LLC | $735,000 | $4,250,000 | 478.2% | 0.1% |
| Discover Bank | $2,850,000 | $4,195,000 | 47.2% | 0.1% |
| GUARANTEED RATE AFFINITY, LLC | $2,970,000 | $4,105,000 | 38.2% | 0.1% |
| First National Bank | $4,575,000 | $4,095,000 | -10.5% | 0.1% |
| Carrington Mortgage Services, LLC | $5,990,000 | $3,995,000 | -33.3% | 0.1% |
| Origin Bank | $1,525,000 | $3,960,000 | 159.7% | 0.1% |
| PREMIA MORTGAGE, LLC | $3,615,000 | $3,900,000 | 7.9% | 0.1% |
| Plaquemine Bank and Trust Company | $3,335,000 | $3,880,000 | 16.3% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,665,000 | $3,870,000 | 132.4% | 0.1% |
| Morgan Stanley Private Bank | $3,135,000 | $3,735,000 | 19.1% | 0.1% |
| Baton Rouge Telco Federal Credit Union | $4,020,000 | $3,660,000 | -9.0% | 0.1% |
| GUARANTEED RATE, INC. | $3,480,000 | $3,490,000 | 0.3% | 0.1% |
| DEEPHAVEN MORTGAGE LLC | $3,440,000 | $3,215,000 | -6.5% | 0.1% |
| Hometown Equity Mortgage, LLC | $2,295,000 | $3,145,000 | 37.0% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $7,390,000 | $3,065,000 | -58.5% | 0.1% |
| ROYAL UNITED MORTGAGE LLC | $2,105,000 | $3,005,000 | 42.8% | 0.1% |
| Nations Lending Corporation | $5,035,000 | $2,920,000 | -42.0% | 0.1% |
| Heritage Bank of St Tammany | $35,000 | $2,850,000 | 8,042.9% | 0.1% |
| BETTER MORTGAGE CORPORATION | $3,385,000 | $2,785,000 | -17.7% | 0.1% |
| NBKC BANK | $870,000 | $2,765,000 | 217.8% | 0.1% |
| T2 FINANCIAL LLC | $625,000 | $2,705,000 | 332.8% | 0.1% |
| HOMEXPRESS MORTGAGE CORP. | $1,140,000 | $2,645,000 | 132.0% | 0.1% |
| The Federal Savings Bank | $2,195,000 | $2,635,000 | 20.0% | 0.1% |
| V.I.P. MORTGAGE, INC. | $1,265,000 | $2,610,000 | 106.3% | 0.1% |
| SWBC MORTGAGE CORPORATION | $2,710,000 | $2,520,000 | -7.0% | 0.1% |
| Barrington Bank & Trust Company, N.A. | $2,795,000 | $2,505,000 | -10.4% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $640,000 | $2,370,000 | 270.3% | 0.1% |
| ZILLOW HOME LOANS, LLC | $3,325,000 | $2,270,000 | -31.7% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $2,875,000 | $2,265,000 | -21.2% | 0.1% |
| Arbor Realty Trust, Inc. | $4,015,000 | $2,225,000 | -44.6% | 0.1% |
| Liberty Bank and Trust Company | $1,815,000 | $2,210,000 | 21.8% | 0.1% |
| Investar Bank | $11,560,000 | $2,195,000 | -81.0% | 0.1% |
| CSL Financial, LLC | $1,510,000 | $2,155,000 | 42.7% | 0.1% |
| LENDSURE MORTGAGE CORP. | $1,590,000 | $2,130,000 | 34.0% | 0.1% |
| AMWEST FUNDING CORP. | $2,495,000 | $2,100,000 | -15.8% | 0.1% |
| South Louisiana Bank | $130,000 | $1,945,000 | 1,396.2% | 0.1% |
| Presidential Bank, FSB | $1,875,000 | n/a | 0.1% | |
| Rayne State Bank & Trust Company | $250,000 | $1,865,000 | 646.0% | 0.1% |
| NEXERA HOLDING LLC | $105,000 | $1,840,000 | 1,652.4% | 0.1% |
| Charles Schwab Bank, SSB | $1,830,000 | n/a | 0.1% | |
| LENDINGONE, LLC | $1,360,000 | $1,820,000 | 33.8% | 0.1% |
| MORTGAGE ACCESS CORP. | $1,805,000 | $1,775,000 | -1.7% | 0.1% |
| Concordia Bank and Trust Company | $8,220,000 | $1,760,000 | -78.6% | 0.1% |
| EMM LOANS LLC | $1,525,000 | $1,750,000 | 14.8% | 0.1% |
| INSPIRE HOME LOANS INC. | $1,735,000 | n/a | 0.0% | |
| Coastal Community Bank | $1,280,000 | $1,715,000 | 34.0% | 0.0% |
| Guaranty Bank & Trust Company of Delhi, Louisiana | $1,705,000 | n/a | 0.0% | |
| PNC Bank | $1,930,000 | $1,690,000 | -12.4% | 0.0% |
| Lakeview Community Capital, LLC | $530,000 | $1,580,000 | 198.1% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $1,030,000 | $1,530,000 | 48.5% | 0.0% |
| Towne Bank | $1,730,000 | $1,490,000 | -13.9% | 0.0% |
| PHH Mortgage Corporation | $575,000 | $1,465,000 | 154.8% | 0.0% |
| Old National Bank | $11,515,000 | $1,460,000 | -87.3% | 0.0% |
| Goldwater Bank, N.A. | $215,000 | $1,450,000 | 574.4% | 0.0% |
| Raymond James Bank | $1,505,000 | $1,410,000 | -6.3% | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | $1,170,000 | $1,395,000 | 19.2% | 0.0% |
| First National Bank of America | $1,660,000 | $1,370,000 | -17.5% | 0.0% |
| First Savings Bank | $345,000 | $1,370,000 | 297.1% | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $1,305,000 | n/a | 0.0% | |
| TOWNE MORTGAGE COMPANY | $1,295,000 | n/a | 0.0% | |
| ASCENSION CREDIT UNION | $1,750,000 | $1,270,000 | -27.4% | 0.0% |
| Ally Bank | $115,000 | $1,245,000 | 982.6% | 0.0% |
| Louisiana USA Federal Credit Union | $3,245,000 | $1,245,000 | -61.6% | 0.0% |
| Community First Bank | $1,350,000 | $1,200,000 | -11.1% | 0.0% |
| AMERICAN HERITAGE LENDING, INC. | $875,000 | $1,185,000 | 35.4% | 0.0% |
| FirstBank | $1,185,000 | n/a | 0.0% | |
| CLEARPATH LENDING | $380,000 | $1,155,000 | 203.9% | 0.0% |
| Citizens National Bank, N.A. | $2,360,000 | $1,145,000 | -51.5% | 0.0% |
| Figure Lending LLC | $1,600,000 | $1,140,000 | -28.8% | 0.0% |
| First Financial Bank | $1,140,000 | n/a | 0.0% | |
| Magnolia Bank | $880,000 | $1,140,000 | 29.5% | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | $1,025,000 | $1,105,000 | 7.8% | 0.0% |
| Bank of England | $1,285,000 | $1,100,000 | -14.4% | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | $585,000 | $1,100,000 | 88.0% | 0.0% |
| UBS Bank USA | $650,000 | $1,080,000 | 66.2% | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | $1,025,000 | $1,075,000 | 4.9% | 0.0% |
| LIMA ONE CAPITAL, LLC | $9,480,000 | $1,060,000 | -88.8% | 0.0% |
| Stifel Bank and Trust | $515,000 | $1,040,000 | 101.9% | 0.0% |
| American Bank & Trust Company | $700,000 | $1,020,000 | 45.7% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $2,290,000 | $1,020,000 | -55.5% | 0.0% |
| Bank of Whittier | $1,060,000 | $1,010,000 | -4.7% | 0.0% |
| OPEN MORTGAGE, LLC | $135,000 | $970,000 | 618.5% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $960,000 | $950,000 | -1.0% | 0.0% |
| BRECO Federal Credit Union | $1,925,000 | $930,000 | -51.7% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $1,110,000 | $930,000 | -16.2% | 0.0% |
| Grand Bank for Savings, FSB | $105,000 | $920,000 | 776.2% | 0.0% |
| Home Federal Bank | $915,000 | $885,000 | -3.3% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $885,000 | n/a | 0.0% | |
| South Lafourche Bank & Trust Company | $15,000 | $830,000 | 5,433.3% | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | $365,000 | $825,000 | 126.0% | 0.0% |
| BAY EQUITY LLC | $675,000 | $815,000 | 20.7% | 0.0% |
| RBC Bank, (Georgia) | $435,000 | $815,000 | 87.4% | 0.0% |
| DAS Acquisition Company, LLC | $275,000 | $810,000 | 194.5% | 0.0% |
| Luxury Mortgage Corp. | $810,000 | n/a | 0.0% | |
| CHEVRON | $745,000 | $800,000 | 7.4% | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | $1,035,000 | $785,000 | -24.2% | 0.0% |
| HSBC BANK USA, NATIONAL ASSOCIATION | $265,000 | $785,000 | 196.2% | 0.0% |
| NP, Inc. | $315,000 | $785,000 | 149.2% | 0.0% |
| Trustmark National Bank | $380,000 | $765,000 | 101.3% | 0.0% |
| NORWICH COMMERCIAL GROUP, INC. | $755,000 | n/a | 0.0% | |
| Quontic Bank | $715,000 | n/a | 0.0% | |
| American Bank & Trust Company | $700,000 | $710,000 | 1.4% | 0.0% |
| PURDUE FEDERAL CREDIT UNION | $705,000 | n/a | 0.0% | |
| American Mortgage & Equity Consultants, Inc. | $695,000 | n/a | 0.0% | |
| Texana Bank | $670,000 | n/a | 0.0% | |
| First Federal Bank of Louisiana | $660,000 | n/a | 0.0% | |
| Ameris Bank | $385,000 | $650,000 | 68.8% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $520,000 | $645,000 | 24.0% | 0.0% |
| First Federal Bank | $900,000 | $610,000 | -32.2% | 0.0% |
| Progressive Bank | $2,160,000 | $610,000 | -71.8% | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | $605,000 | n/a | 0.0% | |
| Bank of Abbeville & Trust Company | $530,000 | $600,000 | 13.2% | 0.0% |
| The Evangeline Bank & Trust Company | $1,560,000 | $595,000 | -61.9% | 0.0% |
| Home Mortgage Alliance Corp | $585,000 | n/a | 0.0% | |
| CITYWIDE HOME LOANS, LLC | $995,000 | $580,000 | -41.7% | 0.0% |
| Citizens Bank & Trust Company of Vivian, Louisiana | $575,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $1,020,000 | $575,000 | -43.6% | 0.0% |
| Bank of Louisiana | $415,000 | $570,000 | 37.3% | 0.0% |
| Sabine State Bank and Trust Company | $1,305,000 | $570,000 | -56.3% | 0.0% |
| Plains Commerce Bank | $4,615,000 | $565,000 | -87.8% | 0.0% |
| AmRes Corporation | $695,000 | $550,000 | -20.9% | 0.0% |
| GREATER NEW ORLEANS | $535,000 | n/a | 0.0% | |
| Northeast Bank | $535,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $520,000 | n/a | 0.0% | |
| Citizens Bank | $3,405,000 | $500,000 | -85.3% | 0.0% |
| AMERICAN FINANCING CORPORATION | $750,000 | $490,000 | -34.7% | 0.0% |
| America's Mortgage Resource, Inc. | $520,000 | $475,000 | -8.7% | 0.0% |
| GREENSTATE CREDIT UNION | $465,000 | n/a | 0.0% | |
| BMO Harris Bank | $2,430,000 | $445,000 | -81.7% | 0.0% |
| The Bank | $440,000 | n/a | 0.0% | |
| THE NEW ORLEANS FIREMEN'S FEDERAL CREDIT UNION | $605,000 | $430,000 | -28.9% | 0.0% |
| First National Bank of East Texas | $425,000 | n/a | 0.0% | |
| 1ST SIGNATURE LENDING, LLC | $440,000 | $420,000 | -4.5% | 0.0% |
| Citizens Savings Bank | $480,000 | $420,000 | -12.5% | 0.0% |
| First State Bank of St. Charles, Missouri | $405,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $400,000 | n/a | 0.0% | |
| First Bank | $395,000 | n/a | 0.0% | |
| Lincoln FSB of Nebraska | $395,000 | n/a | 0.0% | |
| Armed Forces Bank | $385,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $135,000 | $385,000 | 185.2% | 0.0% |
| LEGEND LENDING CORPORATION | $3,165,000 | $385,000 | -87.8% | 0.0% |
| M C Bank & Trust Company | $1,825,000 | $375,000 | -79.5% | 0.0% |
| NMSI, INC. | $365,000 | n/a | 0.0% | |
| BOM Bank | $175,000 | $355,000 | 102.9% | 0.0% |
| First Federal Bank of Kansas City | $355,000 | n/a | 0.0% | |
| Planters Bank & Trust Company | $275,000 | $355,000 | 29.1% | 0.0% |
| Truist | $1,815,000 | $355,000 | -80.4% | 0.0% |
| STOCKTON MORTGAGE CORPORATION | $435,000 | $350,000 | -19.5% | 0.0% |
| American Airlines Federal Credit Union | $330,000 | n/a | 0.0% | |
| LONGBRIDGE FINANCIAL, LLC | $500,000 | $330,000 | -34.0% | 0.0% |
| ENCORE BANK | $345,000 | $325,000 | -5.8% | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | $325,000 | n/a | 0.0% | |
| Summit Mortgage Corporation | $325,000 | n/a | 0.0% | |
| Pinnacle Bank | $320,000 | n/a | 0.0% | |
| Fifth District Savings Bank | $880,000 | $315,000 | -64.2% | 0.0% |
| BARKSDALE | $180,000 | $310,000 | 72.2% | 0.0% |
| Northpointe Bank | $680,000 | $310,000 | -54.4% | 0.0% |
| USAlliance Federal Credit Union | $480,000 | $310,000 | -35.4% | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | $105,000 | $305,000 | 190.5% | 0.0% |
| AVADIAN | $305,000 | n/a | 0.0% | |
| BAYSHORE MORTGAGE FUNDING, LLC | $305,000 | n/a | 0.0% | |
| The First National Bank of Jeanerette | $105,000 | $305,000 | 190.5% | 0.0% |
| BankFirst Financial Services | $295,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $265,000 | $295,000 | 11.3% | 0.0% |
| Commerce Home Mortgage, Inc. | $1,235,000 | $285,000 | -76.9% | 0.0% |
| Prosperity Home Mortgage, LLC | $1,660,000 | $285,000 | -82.8% | 0.0% |
| Southern Heritage Bank | $275,000 | n/a | 0.0% | |
| BECKAM FUNDING CORP. | $995,000 | $265,000 | -73.4% | 0.0% |
| DELMAR FINANCIAL COMPANY | $265,000 | n/a | 0.0% | |
| Vermilion Bank & Trust Company | $265,000 | n/a | 0.0% | |
| CONSTRUCTIVE LOANS, LLC | $260,000 | n/a | 0.0% | |
| Deere Employees Credit Union | $695,000 | $260,000 | -62.6% | 0.0% |
| United States Senate Federal Credit Union | $260,000 | n/a | 0.0% | |
| Abbeville Building & Loan (A State-Chartered Savings Bank) | $255,000 | n/a | 0.0% | |
| COUNTRYPLACE MORTGAGE, LTD. | $550,000 | $255,000 | -53.6% | 0.0% |
| EMBRACE HOME LOANS, INC. | $460,000 | $255,000 | -44.6% | 0.0% |
| FIRST NATIONAL BANK OF LA | $1,510,000 | $255,000 | -83.1% | 0.0% |
| General Mortgage Capital Corporation | $255,000 | n/a | 0.0% | |
| HOMELAND BANCSHARES | $255,000 | n/a | 0.0% | |
| JEFFERSON FINANCIAL | $1,855,000 | $255,000 | -86.3% | 0.0% |
| SeaTrust Mortgage Company | $255,000 | n/a | 0.0% | |
| The Citizens National Bank of Meridian | $255,000 | n/a | 0.0% | |
| TOWER | $255,000 | n/a | 0.0% | |
| Merchants Mortgage & Trust Corporation | $250,000 | n/a | 0.0% | |
| ARC HOME LLC | $105,000 | $245,000 | 133.3% | 0.0% |
| CATAHOULA LASALLE BANK | $500,000 | $245,000 | -51.0% | 0.0% |
| NETWORK CAPITAL FUNDING CORPORATION | $345,000 | $245,000 | -29.0% | 0.0% |
| Citadel Servicing Corporation | $430,000 | $235,000 | -45.3% | 0.0% |
| KINECTA | $235,000 | n/a | 0.0% | |
| BM Real Estate Services, Inc. | $245,000 | $225,000 | -8.2% | 0.0% |
| Citizens Bank | $3,405,000 | $225,000 | -93.4% | 0.0% |
| Cross Keys Bank | $225,000 | n/a | 0.0% | |
| KEESLER | $150,000 | $225,000 | 50.0% | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $225,000 | n/a | 0.0% | |
| Bethpage Federal Credit Union | $90,000 | $215,000 | 138.9% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $205,000 | n/a | 0.0% | |
| Eureka Homestead | $135,000 | $205,000 | 51.9% | 0.0% |
| MERITUS Federal Credit Union | $205,000 | n/a | 0.0% | |
| PANORAMA MORTGAGE GROUP, LLC | $205,000 | n/a | 0.0% | |
| CARTER FEDERAL CREDIT UNION | $195,000 | n/a | 0.0% | |
| EVANSVILLE TEACHERS | $195,000 | n/a | 0.0% | |
| NBH Bank | $195,000 | n/a | 0.0% | |
| Princeton Mortgage Corporation | $195,000 | n/a | 0.0% | |
| EVERETT FINANCIAL, INC. | $640,000 | $185,000 | -71.1% | 0.0% |
| NFM, INC. | $185,000 | n/a | 0.0% | |
| Kearny Bank | $175,000 | n/a | 0.0% | |
| FIRST COLONY MORTGAGE CORPORATION | $165,000 | n/a | 0.0% | |
| First Security Bank | $165,000 | n/a | 0.0% | |
| SILVER HILL FUNDING, LLC | $165,000 | n/a | 0.0% | |
| First National Bank in DeRidder | $155,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $155,000 | n/a | 0.0% | |
| THE MORTGAGE LINK, INC. | $155,000 | n/a | 0.0% | |
| Republic State Mortgage Co. | $7,565,000 | $145,000 | -98.1% | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | $95,000 | $125,000 | 31.6% | 0.0% |
| Centennial Bank | $125,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $115,000 | n/a | 0.0% | |
| Metairie Bank & Trust Company | $395,000 | $110,000 | -72.2% | 0.0% |
| ATLANTA POSTAL | $105,000 | n/a | 0.0% | |
| COREVEST AMERICAN FINANCE LENDER LLC | $105,000 | n/a | 0.0% | |
| Farmers-Merchants Bank & Trust Company | $715,000 | $105,000 | -85.3% | 0.0% |
| First South Farm Credit, ACA | $275,000 | $105,000 | -61.8% | 0.0% |
| Arvest Bank | $365,000 | $95,000 | -74.0% | 0.0% |
| Washington State Bank | $1,040,000 | $85,000 | -91.8% | 0.0% |
| APCI Federal Credit Union | $395,000 | $80,000 | -79.7% | 0.0% |
| MYCUMORTGAGE, LLC | $65,000 | $65,000 | 0.0% | 0.0% |
| Gulf Coast Bank | $25,000 | $45,000 | 80.0% | 0.0% |
| EASTMAN | $450,000 | $35,000 | -92.2% | 0.0% |
| Gateway First Bank | $4,590,000 | $35,000 | -99.2% | 0.0% |
| First National Bank USA | $65,000 | $25,000 | -61.5% | 0.0% |
| Home Loan Investment Bank, F.S.B. | $75,000 | $25,000 | -66.7% | 0.0% |
| WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION | $155,000 | $25,000 | -83.9% | 0.0% |
| Citibank | $15,000 | n/a | 0.0% | |
| HOPE FEDERAL CREDIT UNION | $15,000 | n/a | 0.0% |
BATON ROUGE's top lender by overall market share is GMFS LLC, with 12.4% market share. In second place, with 6.5%, is ESSENTIAL, having originated $224,565,000 in loans. In third place, with 6.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $214,040,000 in loans. In fourth place, with 4.2%, is DSLD MORTGAGE, LLC, having originated $146,425,000 in loans. In fifth place, with 3.2%, is Hancock Whitney Bank, having originated $111,810,000 in loans.
BATON ROUGE, LA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 8,866 | $2,362,100,000 | $266,422 |
| Refi | 1,701 | $472,045,000 | $277,510 |
| Cash Out Refi | 1,270 | $450,820,000 | $354,976 |
| Other | 1,221 | $121,385,000 | $99,414 |
| Home Improvement | 594 | $64,360,000 | $108,350 |
Baton Rouge's most frequently cited loan purpose was Home Purchase, with 8,866 originations. The 2nd most popular reason was Refi, with 1,701 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 5,435 | $1,518,275,000 | $279,351 |
| 7-8% | 2,169 | $678,405,000 | $312,773 |
| 5-6% | 1,892 | $560,020,000 | $295,994 |
| Over 8% | 1,731 | $244,955,000 | $141,511 |
| 4-5% | 299 | $78,575,000 | $262,793 |
| <2.5% | 73 | $2,355,000 | $32,260 |
| 2.5-3% | 32 | $4,850,000 | $151,563 |
| 3-4% | 31 | $8,095,000 | $261,129 |
During 2024, Baton Rouge's most frequently originated rate bucket was 6-7%, with 5,435 originations.
Loan Sizing (BATON ROUGE, LA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 5,772 | $1,566,330,000 | $271,367 |
| $100k-200k | 3,789 | $572,975,000 | $151,221 |
| $100,000 or less | 2,723 | $152,935,000 | $56,164 |
| $400k-600k | 932 | $443,250,000 | $475,590 |
| $600k-1000k | 338 | $243,400,000 | $720,118 |
| $Over $1MM | 98 | $491,820,000 | $5,018,571 |
BATON ROUGE's loan sizing saw the bucket of loans from $200k-400k with 5,772 originations, totaling $1,566,330,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 6,554 | $1,761,230,000 | $268,726 |
| 60-80% | 2,241 | $612,725,000 | $273,416 |
| Under 20% | 877 | $39,745,000 | $45,319 |
| 20-40% | 810 | $100,770,000 | $124,407 |
| 40-60% | 729 | $224,395,000 | $307,812 |
| Over 100% | 235 | $300,805,000 | $1,280,021 |
BATON ROUGE's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 6,554 originations, totaling $1,761,230,000 in origination value.