HOUMA - THIBODAUX Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Houma - Thibodaux averaged
6.96%
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
6.99% and
one month ago for the week of 2025-05-15, the
average rate was 6.66%.
Houma - Thibodaux's average rate one year ago was 7.1%.
For refis of the same type during the week of 2025-06-18, the average rate
was 7.39%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Houma - Thibodaux 30 Year Fixed Rate | 2025-06-18 | 6.96% |
| Houma - Thibodaux 30 Year Fixed Rate Refi | 2025-06-18 | 7.39% |
| Houma - Thibodaux 15 Year Fixed Rate | 2025-06-18 | 5.76% |
| Houma - Thibodaux 15 Year Fixed Rate Refi | 2025-06-18 | 5.96% |
| Houma - Thibodaux 30 Year FHA | 2025-06-18 | -0.05% |
| Houma - Thibodaux 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Houma - Thibodaux 30 Year USDA | 2025-06-18 | -0.54% |
| Houma - Thibodaux 30 Year USDA Refi | 2025-06-18 | 0% |
| Houma - Thibodaux 30 Year VA | 2025-06-18 | 0.04% |
| Houma - Thibodaux 30 Year VA Refi | 2025-06-18 | 0% |
HOUMA - THIBODAUX 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 HOUMA-THIBODAUX, 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.).
HOUMA - THIBODAUX Average Closing Costs & Other Stats
HOUMA-THIBODAUX, LA's 73 lenders originated 2,398
loans during 2024. The total origination value was $478,160,000, with an average loan value of
$199,399.
HOUMA - THIBODAUX's average closing costs are $5,710.
The top HOUMA - THIBODAUX lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
103 loans originated. Their average total fees are
$7,499, which is $1,144
higher than the next largest lender,
Assurance Financial Group, L.L.C..
The lowest fee HOUMA - THIBODAUX lenders (with over 10 loans originated) are
DSLD MORTGAGE, LLC ($1,000), JPMorgan Chase Bank ($4,143), Hancock Whitney Bank ($5,095), UNION HOME MORTGAGE CORP. ($5,422) and GMFS LLC ($5,523).
The lowest rate HOUMA - THIBODAUX lenders (with over 10 loans originated) are
DSLD MORTGAGE, LLC (6.28%), UNION HOME MORTGAGE CORP. (6.57%), EUSTIS AND AMERICAN MORTGAGE COMPANY (6.61%), GMFS LLC (6.61%) and Hancock Whitney Bank (6.70%).
HOUMA-THIBODAUX, 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 |
|---|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | $88,280,000 | $68,805,000 | -22.1% | 14.4% |
| DSLD MORTGAGE, LLC | $33,375,000 | $39,770,000 | 19.2% | 8.3% |
| Synergy Bank | $29,690,000 | $32,585,000 | 9.8% | 6.8% |
| Assurance Financial Group, L.L.C. | $38,340,000 | $28,130,000 | -26.6% | 5.9% |
| GMFS LLC | $20,495,000 | $27,830,000 | 35.8% | 5.8% |
| Hancock Whitney Bank | $8,820,000 | $25,935,000 | 194.0% | 5.4% |
| b1BANK | $5,255,000 | $20,100,000 | 282.5% | 4.2% |
| First American Bank and Trust | $22,315,000 | $17,980,000 | -19.4% | 3.8% |
| QUICKEN LOANS, LLC | $17,510,000 | $17,905,000 | 2.3% | 3.7% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $15,180,000 | $15,775,000 | 3.9% | 3.3% |
| JPMorgan Chase Bank | $9,415,000 | $9,765,000 | 3.7% | 2.0% |
| UNION HOME MORTGAGE CORP. | $2,560,000 | $9,495,000 | 270.9% | 2.0% |
| ORIX REAL ESTATE CAPITAL, LLC | $7,475,000 | n/a | 1.6% | |
| DHI MORTGAGE COMPANY, LTD. | $7,120,000 | $7,255,000 | 1.9% | 1.5% |
| 21ST MORTGAGE CORPORATION | $6,070,000 | $6,350,000 | 4.6% | 1.3% |
| Mortgage Research Center, LLC | $4,015,000 | $6,265,000 | 56.0% | 1.3% |
| Regions Bank | $8,105,000 | $5,395,000 | -33.4% | 1.1% |
| South Louisiana Bank | $6,180,000 | $5,015,000 | -18.9% | 1.0% |
| Arbor Realty Trust, Inc. | $4,980,000 | n/a | 1.0% | |
| The First, A National Banking Association | $1,405,000 | $4,825,000 | 243.4% | 1.0% |
| NEWREZ LLC | $7,135,000 | $4,770,000 | -33.1% | 1.0% |
| FREEDOM MORTGAGE CORPORATION | $2,825,000 | $4,495,000 | 59.1% | 0.9% |
| PENNYMAC LOAN SERVICES, LLC | $2,245,000 | $4,485,000 | 99.8% | 0.9% |
| South Lafourche Bank & Trust Company | $8,565,000 | $4,170,000 | -51.3% | 0.9% |
| State Bank & Trust Company | $3,990,000 | $4,100,000 | 2.8% | 0.9% |
| SOUTHWEST FUNDING, LP | $3,890,000 | n/a | 0.8% | |
| United Community Bank | $170,000 | $3,795,000 | 2,132.4% | 0.8% |
| TIB The Independent Bankersbank | $115,000 | $3,445,000 | 2,895.7% | 0.7% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,370,000 | $3,370,000 | 146.0% | 0.7% |
| NAVY FEDERAL CREDIT UNION | $2,550,000 | $3,195,000 | 25.3% | 0.7% |
| First Horizon Bank | $6,005,000 | $3,095,000 | -48.5% | 0.6% |
| Equity Prime Mortgage LLC | $2,185,000 | $2,875,000 | 31.6% | 0.6% |
| FIRST COMMUNITY MORTGAGE, INC. | $900,000 | $2,765,000 | 207.2% | 0.6% |
| LOANDEPOT.COM, LLC | $1,890,000 | $2,535,000 | 34.1% | 0.5% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $2,025,000 | $2,130,000 | 5.2% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $715,000 | $1,825,000 | 155.2% | 0.4% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $720,000 | $1,785,000 | 147.9% | 0.4% |
| TRIAD FINANCIAL SERVICES, INC. | $1,915,000 | $1,680,000 | -12.3% | 0.4% |
| AmeriHome Mortgage Company, LLC | $625,000 | $1,650,000 | 164.0% | 0.3% |
| Heritage Bank of St Tammany | $1,510,000 | n/a | 0.3% | |
| AMERISAVE MORTGAGE CORPORATION | $890,000 | $1,425,000 | 60.1% | 0.3% |
| Deere Employees Credit Union | $1,570,000 | $1,405,000 | -10.5% | 0.3% |
| Gulf Coast Bank and Trust Company | $2,790,000 | $1,385,000 | -50.4% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,485,000 | $1,350,000 | -9.1% | 0.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | $1,530,000 | $1,325,000 | -13.4% | 0.3% |
| FIDELITY BANK | $975,000 | $1,260,000 | 29.2% | 0.3% |
| Bank of England | $1,615,000 | $1,250,000 | -22.6% | 0.3% |
| Goldwater Bank, N.A. | $175,000 | $1,195,000 | 582.9% | 0.2% |
| GUARANTEED RATE, INC. | $1,465,000 | $1,150,000 | -21.5% | 0.2% |
| CARDINAL FINANCIAL | $880,000 | $1,105,000 | 25.6% | 0.2% |
| LAKEVIEW LOAN SERVICING, LLC | $155,000 | $1,105,000 | 612.9% | 0.2% |
| CSL Financial, LLC | $775,000 | $1,085,000 | 40.0% | 0.2% |
| MOVEMENT MORTGAGE, LLC | $1,350,000 | $1,060,000 | -21.5% | 0.2% |
| Discover Bank | $315,000 | $1,055,000 | 234.9% | 0.2% |
| Morgan Stanley Private Bank | $515,000 | $1,000,000 | 94.2% | 0.2% |
| Raymond James Bank | $960,000 | n/a | 0.2% | |
| Flagstar Bank, FSB | $1,980,000 | $870,000 | -56.1% | 0.2% |
| Legacy Bank & Trust Company | $855,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $820,000 | n/a | 0.2% | |
| BancorpSouth | $465,000 | $790,000 | 69.9% | 0.2% |
| The First National Bank of Jeanerette | $2,420,000 | $745,000 | -69.2% | 0.2% |
| Carrington Mortgage Services, LLC | $550,000 | $720,000 | 30.9% | 0.2% |
| TOWNE MORTGAGE COMPANY | $700,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $215,000 | $685,000 | 218.6% | 0.1% |
| AMERICAN FINANCING CORPORATION | $155,000 | $680,000 | 338.7% | 0.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $135,000 | $670,000 | 396.3% | 0.1% |
| USAA Federal Savings Bank | $940,000 | $625,000 | -33.5% | 0.1% |
| The Federal Savings Bank | $620,000 | n/a | 0.1% | |
| Bank of America | $1,775,000 | $615,000 | -65.4% | 0.1% |
| V.I.P. MORTGAGE, INC. | $615,000 | n/a | 0.1% | |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $605,000 | n/a | 0.1% | |
| NBKC BANK | $605,000 | n/a | 0.1% | |
| Guaranty Bank and Trust Company | $595,000 | n/a | 0.1% | |
| Home Bank | $1,035,000 | $595,000 | -42.5% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $400,000 | $570,000 | 42.5% | 0.1% |
| La Capitol Federal Credit Union | $980,000 | $555,000 | -43.4% | 0.1% |
| PHH Mortgage Corporation | $545,000 | n/a | 0.1% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $265,000 | $535,000 | 101.9% | 0.1% |
| First South Farm Credit, ACA | $530,000 | n/a | 0.1% | |
| HOMEXPRESS MORTGAGE CORP. | $205,000 | $515,000 | 151.2% | 0.1% |
| Wells Fargo Bank | $305,000 | $495,000 | 62.3% | 0.1% |
| PLANET HOME LENDING, LLC | $25,000 | $485,000 | 1,840.0% | 0.1% |
| BMO Harris Bank | $475,000 | n/a | 0.1% | |
| Coastal Community Bank | $545,000 | $460,000 | -15.6% | 0.1% |
| LENOX FINANCIAL MORTGAGE CORPORATION | $460,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $130,000 | $455,000 | 250.0% | 0.1% |
| GUILD MORTGAGE COMPANY | $425,000 | n/a | 0.1% | |
| Home Mortgage Alliance Corp | $425,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $415,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $295,000 | $390,000 | 32.2% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $390,000 | $390,000 | 0.0% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $245,000 | $390,000 | 59.2% | 0.1% |
| Old National Bank | $385,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $380,000 | n/a | 0.1% | |
| OPEN MORTGAGE, LLC | $360,000 | n/a | 0.1% | |
| ANECA Federal Credit Union | $355,000 | n/a | 0.1% | |
| Figure Lending LLC | $110,000 | $335,000 | 204.5% | 0.1% |
| ZILLOW HOME LOANS, LLC | $125,000 | $330,000 | 164.0% | 0.1% |
| Eagle Bank and Trust Company | $325,000 | n/a | 0.1% | |
| Network Funding, L.P. | $495,000 | $325,000 | -34.3% | 0.1% |
| BankPlus | $375,000 | $315,000 | -16.0% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $165,000 | $310,000 | 87.9% | 0.1% |
| Campus Federal Credit Union | $305,000 | n/a | 0.1% | |
| EFCU FINANCIAL | $180,000 | $305,000 | 69.4% | 0.1% |
| EMM LOANS LLC | $305,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $295,000 | n/a | 0.1% | |
| Lakeview Community Capital, LLC | $115,000 | $295,000 | 156.5% | 0.1% |
| SWBC MORTGAGE CORPORATION | $295,000 | n/a | 0.1% | |
| THE NEW ORLEANS FIREMEN'S FEDERAL CREDIT UNION | $80,000 | $285,000 | 256.3% | 0.1% |
| NEW DAY FINANCIAL, LLC | $45,000 | $280,000 | 522.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $435,000 | $275,000 | -36.8% | 0.1% |
| S1L, Inc. | $275,000 | n/a | 0.1% | |
| THE MORTGAGE FIRM, INC. | $275,000 | n/a | 0.1% | |
| Baxter Credit Union | $260,000 | n/a | 0.1% | |
| Community Bank | $245,000 | n/a | 0.1% | |
| CONSTRUCTIVE LOANS, LLC | $245,000 | n/a | 0.1% | |
| SPRING EQ, LLC | $140,000 | $245,000 | 75.0% | 0.1% |
| CMG MORTGAGE, INC. | $815,000 | $230,000 | -71.8% | 0.0% |
| JEFFERSON FINANCIAL | $755,000 | $225,000 | -70.2% | 0.0% |
| CANOPY MORTGAGE, LLC | $220,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $215,000 | n/a | 0.0% | |
| First Option Mortgage, LLC | $205,000 | n/a | 0.0% | |
| Grand Bank for Savings, FSB | $195,000 | n/a | 0.0% | |
| TENNESSEE VALLEY | $195,000 | n/a | 0.0% | |
| HOMESPIRE MORTGAGE CORPORATION | $190,000 | n/a | 0.0% | |
| MEMBER FIRST MORTGAGE, LLC | $185,000 | n/a | 0.0% | |
| Residential Acceptance Corporation | $185,000 | n/a | 0.0% | |
| STANDARD MORTGAGE CORPORATION | $895,000 | $185,000 | -79.3% | 0.0% |
| Nations Lending Corporation | $135,000 | $175,000 | 29.6% | 0.0% |
| Bank of St. Francisville | $165,000 | n/a | 0.0% | |
| Baton Rouge Telco Federal Credit Union | $165,000 | n/a | 0.0% | |
| INTERLINC MORTGAGE SERVICES, LLC | $215,000 | $165,000 | -23.3% | 0.0% |
| Red River Bank | $165,000 | n/a | 0.0% | |
| TEMPLE VIEW CAPITAL FUNDING, LP | $165,000 | n/a | 0.0% | |
| SUMMIT FUNDING, INC. | $160,000 | n/a | 0.0% | |
| Bank of Louisiana | $215,000 | $155,000 | -27.9% | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $215,000 | $145,000 | -32.6% | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | $85,000 | $135,000 | 58.8% | 0.0% |
| Gateway First Bank | $160,000 | $135,000 | -15.6% | 0.0% |
| M C Bank & Trust Company | $1,665,000 | $130,000 | -92.2% | 0.0% |
| Onpath Federal Credit Union | $365,000 | $125,000 | -65.8% | 0.0% |
| PNC Bank | $235,000 | $125,000 | -46.8% | 0.0% |
| SOUTHWEST STAGE FUNDING, LLC | $180,000 | $115,000 | -36.1% | 0.0% |
| T2 FINANCIAL LLC | $340,000 | $115,000 | -66.2% | 0.0% |
| TOP FLITE FINANCIAL, INC. | $460,000 | $105,000 | -77.2% | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $165,000 | $95,000 | -42.4% | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | $85,000 | n/a | 0.0% | |
| The Citizens Bank of Philadelphia, Mississippi | $85,000 | n/a | 0.0% | |
| HOMESIDE FINANCIAL, LLC | $75,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $245,000 | $75,000 | -69.4% | 0.0% |
| Renasant Bank | $65,000 | n/a | 0.0% | |
| USAlliance Federal Credit Union | $65,000 | n/a | 0.0% | |
| Abbeville Building & Loan (A State-Chartered Savings Bank) | $185,000 | $45,000 | -75.7% | 0.0% |
| CHEVRON | $85,000 | $45,000 | -47.1% | 0.0% |
| MYCUMORTGAGE, LLC | $45,000 | n/a | 0.0% | |
| Pelican State Credit Union | $60,000 | $45,000 | -25.0% | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | $110,000 | $45,000 | -59.1% | 0.0% |
| U.S. Bank | $420,000 | $35,000 | -91.7% | 0.0% |
| Connexus Credit Union | $25,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $25,000 | $15,000 | -40.0% | 0.0% |
HOUMA - THIBODAUX's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 14.4% market share. In second place, with 8.3%, is DSLD MORTGAGE, LLC, having originated $39,770,000 in loans. In third place, with 6.8%, is Synergy Bank, having originated $32,585,000 in loans. In fourth place, with 5.9%, is Assurance Financial Group, L.L.C., having originated $28,130,000 in loans. In fifth place, with 5.8%, is GMFS LLC, having originated $27,830,000 in loans.
HOUMA-THIBODAUX, LA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,495 | $327,465,000 | $219,040 |
| Refi | 433 | $81,205,000 | $187,540 |
| Cash Out Refi | 211 | $39,175,000 | $185,664 |
| Other | 166 | $14,100,000 | $84,940 |
| Home Improvement | 93 | $16,215,000 | $174,355 |
Houma - Thibodaux's most frequently cited loan purpose was Home Purchase, with 1,495 originations. The 2nd most popular reason was Refi, with 433 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 882 | $191,670,000 | $217,313 |
| Over 8% | 381 | $36,015,000 | $94,528 |
| 5-6% | 370 | $94,260,000 | $254,757 |
| 7-8% | 288 | $70,340,000 | $244,236 |
| 4-5% | 75 | $18,235,000 | $243,133 |
| 3-4% | 8 | $2,780,000 | $347,500 |
| <2.5% | 5 | $225,000 | $45,000 |
| 2.5-3% | 5 | $775,000 | $155,000 |
During 2024, Houma - Thibodaux's most frequently originated rate bucket was 6-7%, with 882 originations.
Loan Sizing (HOUMA-THIBODAUX, LA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 833 | $219,765,000 | $263,824 |
| $100k-200k | 784 | $118,800,000 | $151,531 |
| $100,000 or less | 654 | $37,240,000 | $56,942 |
| $400k-600k | 77 | $36,335,000 | $471,883 |
| $600k-1000k | 37 | $27,685,000 | $748,243 |
| $Over $1MM | 13 | $38,335,000 | $2,948,846 |
HOUMA - THIBODAUX's loan sizing saw the bucket of loans from $200k-400k with 833 originations, totaling $219,765,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,101 | $255,145,000 | $231,739 |
| 60-80% | 339 | $87,255,000 | $257,389 |
| 20-40% | 175 | $12,235,000 | $69,914 |
| 40-60% | 167 | $24,935,000 | $149,311 |
| Under 20% | 125 | $5,235,000 | $41,880 |
| Over 100% | 54 | $14,360,000 | $265,926 |
HOUMA - THIBODAUX's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,101 originations, totaling $255,145,000 in origination value.