LAKE CHARLES Mortgage Rates & Closing Costs
30yr Fixed Rate
15yr Fixed Rate
FHA
USDA
VA
5/1 ARM
30 Year Fixed Rate mortgages in Lake Charles averaged
6.7%
for the week of 2025-04-03, compared to the national average of
6.64% for the same period.
The average rate for the prior week (2025-03-27) was
6.81% and
one month ago for the week of 2025-02-27, the
average rate was 6.92%.
Lake Charles's average rate one year ago was 7.05%.
For refis of the same type during the week of 2025-04-03, the average rate
was 7.03%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-04-03 | 6.64% |
| Lake Charles 30 Year Fixed Rate | 2025-04-03 | 6.7% |
| Lake Charles 30 Year Fixed Rate Refi | 2025-04-03 | 7.03% |
| Lake Charles 15 Year Fixed Rate | 2025-04-03 | 5.62% |
| Lake Charles 15 Year Fixed Rate Refi | 2025-04-03 | 6.32% |
| Lake Charles 30 Year FHA | 2025-04-03 | 6.08% |
| Lake Charles 30 Year FHA Refi | 2025-04-03 | 6.36% |
| Lake Charles 30 Year USDA | 2025-04-03 | 6.2% |
| Lake Charles 30 Year USDA Refi | 2025-04-03 | 6.52% |
| Lake Charles 30 Year VA | 2025-04-03 | 6.21% |
| Lake Charles 30 Year VA Refi | 2025-04-03 | 6.26% |
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within LAKE CHARLES, LA.
LAKE CHARLES 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 LAKE CHARLES, 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.).
LAKE CHARLES Average Closing Costs & Other Stats
LAKE CHARLES, LA's 103 lenders originated 2,679
loans during 2024. The total origination value was $640,725,000, with an average loan value of
$239,166.
LAKE CHARLES's average closing costs are $5,344.
The top LAKE CHARLES lender as defined by loan originations is FIDELITY BANK, with
70 loans originated. Their average total fees are
$5,539, which is $1,297
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee LAKE CHARLES lenders (with over 10 loans originated) are
DSLD MORTGAGE, LLC ($1,196), Jeff Davis Bancshares ($1,203), JPMorgan Chase Bank ($2,948), Red River Bank ($4,156) and GMFS LLC ($4,684).
The lowest rate LAKE CHARLES lenders (with over 10 loans originated) are
DSLD MORTGAGE, LLC (5.71%), First Horizon Bank (6.24%), Red River Bank (6.42%), JPMorgan Chase Bank (6.67%) and GMFS LLC (6.70%).
LAKE CHARLES, 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 |
|---|---|---|---|---|
| Sabine State Bank and Trust Company | $25,910,000 | $47,390,000 | 82.9% | 7.4% |
| UNITED WHOLESALE MORTGAGE, LLC | $37,470,000 | $36,645,000 | -2.2% | 5.7% |
| HOMESIDE FINANCIAL, LLC | $95,000 | $30,180,000 | 31,668.4% | 4.7% |
| FIDELITY BANK | $35,610,000 | $28,445,000 | -20.1% | 4.4% |
| First Federal Bank of Louisiana | $26,170,000 | $26,640,000 | 1.8% | 4.2% |
| GMFS LLC | $30,490,000 | $25,615,000 | -16.0% | 4.0% |
| DSLD MORTGAGE, LLC | $19,795,000 | $23,295,000 | 17.7% | 3.6% |
| QUICKEN LOANS, LLC | $17,660,000 | $21,610,000 | 22.4% | 3.4% |
| Cedar Rapids Bank and Trust Company | $15,210,000 | $20,610,000 | 35.5% | 3.2% |
| DHI MORTGAGE COMPANY, LTD. | $18,215,000 | $19,440,000 | 6.7% | 3.0% |
| Merchants Bank of Indiana | $17,580,000 | n/a | 2.7% | |
| NEWREZ LLC | $12,345,000 | $15,330,000 | 24.2% | 2.4% |
| WALKER & DUNLOP, LLC | $3,625,000 | $14,865,000 | 310.1% | 2.3% |
| b1BANK | $8,915,000 | $14,565,000 | 63.4% | 2.3% |
| First Horizon Bank | $22,210,000 | $14,235,000 | -35.9% | 2.2% |
| Mortgage Research Center, LLC | $10,930,000 | $14,125,000 | 29.2% | 2.2% |
| FREEDOM MORTGAGE CORPORATION | $4,675,000 | $14,015,000 | 199.8% | 2.2% |
| Red River Bank | $11,555,000 | $13,060,000 | 13.0% | 2.0% |
| UNION HOME MORTGAGE CORP. | $11,635,000 | $12,845,000 | 10.4% | 2.0% |
| JPMorgan Chase Bank | $11,855,000 | $12,185,000 | 2.8% | 1.9% |
| PNC Bank | $270,000 | $9,005,000 | 3,235.2% | 1.4% |
| CSE Federal Credit Union | $9,585,000 | $8,790,000 | -8.3% | 1.4% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | $8,585,000 | n/a | 1.3% | |
| Jeff Davis Bancshares | $13,190,000 | $8,100,000 | -38.6% | 1.3% |
| 21ST MORTGAGE CORPORATION | $10,875,000 | $7,925,000 | -27.1% | 1.2% |
| First National Bank in DeRidder | $5,670,000 | $6,915,000 | 22.0% | 1.1% |
| The Evangeline Bank & Trust Company | $16,415,000 | $6,120,000 | -62.7% | 1.0% |
| GREYSTONE SERVICING COMPANY LLC | $6,045,000 | n/a | 0.9% | |
| T2 FINANCIAL LLC | $4,395,000 | $5,875,000 | 33.7% | 0.9% |
| Equity Prime Mortgage LLC | $940,000 | $5,075,000 | 439.9% | 0.8% |
| BancorpSouth | $12,215,000 | $5,050,000 | -58.7% | 0.8% |
| MORTGAGE FINANCIAL SERVICES, LLC | $3,480,000 | $4,745,000 | 36.4% | 0.7% |
| Lakeside Bank | $15,675,000 | $4,535,000 | -71.1% | 0.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | $2,030,000 | $4,245,000 | 109.1% | 0.7% |
| SOUTHWEST LOUISIANA CREDIT UNION | $6,635,000 | $4,235,000 | -36.2% | 0.7% |
| Hancock Whitney Bank | $6,400,000 | $3,870,000 | -39.5% | 0.6% |
| Nations Lending Corporation | $3,305,000 | $3,790,000 | 14.7% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $3,760,000 | $3,640,000 | -3.2% | 0.6% |
| The Bank | $5,450,000 | $3,640,000 | -33.2% | 0.6% |
| FIRST NATIONAL BANK OF LA | $3,290,000 | $3,370,000 | 2.4% | 0.5% |
| INSPIRE HOME LOANS INC. | $235,000 | $3,350,000 | 1,325.5% | 0.5% |
| Merchants Capital Corp. | $3,305,000 | n/a | 0.5% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $6,305,000 | $3,060,000 | -51.5% | 0.5% |
| Merchants & Farmers Bank & Trust Company | $8,035,000 | $2,895,000 | -64.0% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $630,000 | $2,510,000 | 298.4% | 0.4% |
| Gateway First Bank | $7,455,000 | $2,475,000 | -66.8% | 0.4% |
| Renasant Bank | $2,730,000 | $2,375,000 | -13.0% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $265,000 | $2,265,000 | 754.7% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $4,505,000 | $2,230,000 | -50.5% | 0.3% |
| USAA Federal Savings Bank | $3,060,000 | $2,160,000 | -29.4% | 0.3% |
| U.S. Bank | $955,000 | $2,145,000 | 124.6% | 0.3% |
| Flagstar Bank, FSB | $995,000 | $2,125,000 | 113.6% | 0.3% |
| TRIAD FINANCIAL SERVICES, INC. | $1,330,000 | $2,115,000 | 59.0% | 0.3% |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | $1,935,000 | $2,105,000 | 8.8% | 0.3% |
| VILLAGE CAPITAL MORTGAGE | $185,000 | $1,955,000 | 956.8% | 0.3% |
| PLANET HOME LENDING, LLC | $1,920,000 | n/a | 0.3% | |
| LOANDEPOT.COM, LLC | $4,205,000 | $1,810,000 | -57.0% | 0.3% |
| THE MORTGAGE FIRM, INC. | $4,260,000 | $1,680,000 | -60.6% | 0.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $400,000 | $1,550,000 | 287.5% | 0.2% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $3,595,000 | $1,515,000 | -57.9% | 0.2% |
| PREMIA MORTGAGE, LLC | $1,525,000 | $1,345,000 | -11.8% | 0.2% |
| Wells Fargo Bank | $3,585,000 | $1,290,000 | -64.0% | 0.2% |
| DAS Acquisition Company, LLC | $2,225,000 | $1,230,000 | -44.7% | 0.2% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,755,000 | $1,230,000 | -29.9% | 0.2% |
| Plains Commerce Bank | $2,465,000 | $1,105,000 | -55.2% | 0.2% |
| Prosperity Bank | $1,100,000 | n/a | 0.2% | |
| FINANCE OF AMERICA REVERSE LLC | $430,000 | $1,075,000 | 150.0% | 0.2% |
| AMERISAVE MORTGAGE CORPORATION | $1,720,000 | $1,050,000 | -39.0% | 0.2% |
| MICHIGAN MUTUAL, INC. | $1,030,000 | n/a | 0.2% | |
| Bank of America | $1,945,000 | $1,005,000 | -48.3% | 0.2% |
| Bank of Whittier | $970,000 | n/a | 0.2% | |
| GUARANTEED RATE AFFINITY, LLC | $945,000 | n/a | 0.1% | |
| The First, A National Banking Association | $935,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $535,000 | $900,000 | 68.2% | 0.1% |
| Citibank | $895,000 | n/a | 0.1% | |
| EMBRACE HOME LOANS, INC. | $885,000 | n/a | 0.1% | |
| PLAZA HOME MORTGAGE, INC. | $550,000 | $850,000 | 54.5% | 0.1% |
| STANDARD MORTGAGE CORPORATION | $105,000 | $795,000 | 657.1% | 0.1% |
| Discover Bank | $580,000 | $765,000 | 31.9% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $625,000 | $740,000 | 18.4% | 0.1% |
| STOCKTON MORTGAGE CORPORATION | $860,000 | $735,000 | -14.5% | 0.1% |
| Abbeville Building & Loan (A State-Chartered Savings Bank) | $725,000 | n/a | 0.1% | |
| AMWEST FUNDING CORP. | $205,000 | $715,000 | 248.8% | 0.1% |
| CLEARPATH LENDING | $365,000 | $710,000 | 94.5% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $665,000 | $705,000 | 6.0% | 0.1% |
| MID AMERICA MORTGAGE, INC. | $1,150,000 | $705,000 | -38.7% | 0.1% |
| ZILLOW HOME LOANS, LLC | $135,000 | $695,000 | 414.8% | 0.1% |
| Vermilion Bank & Trust Company | $260,000 | $665,000 | 155.8% | 0.1% |
| Hamilton Mortgage Corporation | $660,000 | n/a | 0.1% | |
| OCMBC, INC. | $690,000 | $635,000 | -8.0% | 0.1% |
| CANOPY MORTGAGE, LLC | $620,000 | n/a | 0.1% | |
| NEW DAY FINANCIAL, LLC | $595,000 | $595,000 | 0.0% | 0.1% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $1,095,000 | $595,000 | -45.7% | 0.1% |
| Regions Bank | $4,770,000 | $595,000 | -87.5% | 0.1% |
| Summit Mortgage Corporation | $550,000 | n/a | 0.1% | |
| GUILD MORTGAGE COMPANY | $165,000 | $540,000 | 227.3% | 0.1% |
| Figure Lending LLC | $25,000 | $520,000 | 1,980.0% | 0.1% |
| Farmers-Merchants Bank & Trust Company | $325,000 | $510,000 | 56.9% | 0.1% |
| PHH Mortgage Corporation | $145,000 | $505,000 | 248.3% | 0.1% |
| SIRVA MORTGAGE, INC. | $470,000 | $495,000 | 5.3% | 0.1% |
| Community Bank of Louisiana | $485,000 | n/a | 0.1% | |
| Pelican State Credit Union | $445,000 | $470,000 | 5.6% | 0.1% |
| GENEVA FINANCIAL, LLC | $455,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $130,000 | $450,000 | 246.2% | 0.1% |
| GUARANTEED RATE, INC. | $440,000 | n/a | 0.1% | |
| NFM, INC. | $435,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $430,000 | n/a | 0.1% | |
| BankPlus | $425,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $415,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $635,000 | $385,000 | -39.4% | 0.1% |
| NBKC BANK | $385,000 | n/a | 0.1% | |
| AMERICAN INTERNET MORTGAGE, INC. | $345,000 | $355,000 | 2.9% | 0.1% |
| EVERETT FINANCIAL, INC. | $355,000 | n/a | 0.1% | |
| SOUTHWEST STAGE FUNDING, LLC | $425,000 | $355,000 | -16.5% | 0.1% |
| Hometown Equity Mortgage, LLC | $345,000 | n/a | 0.1% | |
| BROKER SOLUTIONS, INC. | $655,000 | $335,000 | -48.9% | 0.1% |
| Assurance Financial Group, L.L.C. | $765,000 | $320,000 | -58.2% | 0.0% |
| GSB MORTGAGE, INC. | $315,000 | n/a | 0.0% | |
| LENDSURE MORTGAGE CORP. | $315,000 | n/a | 0.0% | |
| CITIZENS EQUITY FIRST | $305,000 | n/a | 0.0% | |
| Magnolia Bank | $115,000 | $305,000 | 165.2% | 0.0% |
| Simmons Bank | $155,000 | $305,000 | 96.8% | 0.0% |
| Truity Federal Credit Union | $245,000 | $305,000 | 24.5% | 0.0% |
| CORNERSTONE HOME LENDING, INC. | $295,000 | n/a | 0.0% | |
| Morgan Stanley Private Bank | $1,950,000 | $295,000 | -84.9% | 0.0% |
| Barrington Bank & Trust Company, N.A. | $260,000 | $290,000 | 11.5% | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | $205,000 | $280,000 | 36.6% | 0.0% |
| Sunflower Bank | $215,000 | $275,000 | 27.9% | 0.0% |
| The City National Bank of Sulphur Springs | $275,000 | n/a | 0.0% | |
| DOMINION FINANCIAL SERVICES, LLC | $685,000 | $270,000 | -60.6% | 0.0% |
| LEGEND LENDING CORPORATION | $205,000 | $265,000 | 29.3% | 0.0% |
| The Federal Savings Bank | $255,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $570,000 | $250,000 | -56.1% | 0.0% |
| AMERICAN FINANCING CORPORATION | $245,000 | n/a | 0.0% | |
| La Capitol Federal Credit Union | $245,000 | n/a | 0.0% | |
| KEESLER | $235,000 | n/a | 0.0% | |
| ROUNDPOINT MORTGAGE SERVICING CORPORATION | $235,000 | n/a | 0.0% | |
| LENOX FINANCIAL MORTGAGE CORPORATION | $225,000 | n/a | 0.0% | |
| NATIONS RELIABLE LENDING, LLC | $165,000 | $225,000 | 36.4% | 0.0% |
| The Loan Store, Inc. | $225,000 | n/a | 0.0% | |
| LIMA ONE CAPITAL, LLC | $715,000 | $220,000 | -69.2% | 0.0% |
| Paramount Residential Mortgage Group, Inc. | $185,000 | $215,000 | 16.2% | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | $7,260,000 | $205,000 | -97.2% | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $205,000 | n/a | 0.0% | |
| Citizens Bank | $6,400,000 | $205,000 | -96.8% | 0.0% |
| OPEN MORTGAGE, LLC | $75,000 | $205,000 | 173.3% | 0.0% |
| INTERLINC MORTGAGE SERVICES, LLC | $195,000 | n/a | 0.0% | |
| AMERICAN FINANCIAL NETWORK, INC. | $3,075,000 | $175,000 | -94.3% | 0.0% |
| BM Real Estate Services, Inc. | $175,000 | n/a | 0.0% | |
| Great Plains National Bank | $175,000 | n/a | 0.0% | |
| MOVEMENT MORTGAGE, LLC | $175,000 | n/a | 0.0% | |
| Origin Bank | $170,000 | n/a | 0.0% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,365,000 | $165,000 | -87.9% | 0.0% |
| LOS ANGELES POLICE Federal Credit Union | $165,000 | n/a | 0.0% | |
| SouthStar Bank, S.S.B. | $165,000 | n/a | 0.0% | |
| Affiliated Bank | $155,000 | n/a | 0.0% | |
| The Cottonport Bank | $155,000 | n/a | 0.0% | |
| CSL Financial, LLC | $140,000 | $150,000 | 7.1% | 0.0% |
| BETTER MORTGAGE CORPORATION | $115,000 | $145,000 | 26.1% | 0.0% |
| Home Federal Bank | $145,000 | n/a | 0.0% | |
| ANECA Federal Credit Union | $185,000 | $135,000 | -27.0% | 0.0% |
| Coastal Community Bank | $295,000 | $135,000 | -54.2% | 0.0% |
| Encompass Lending Group, LP | $135,000 | n/a | 0.0% | |
| OCEANSIDE MORTGAGE COMPANY | $135,000 | n/a | 0.0% | |
| Waterstone Mortgage Corporation | $285,000 | $125,000 | -56.1% | 0.0% |
| SPRING EQ, LLC | $120,000 | n/a | 0.0% | |
| American National Bank & Trust | $105,000 | n/a | 0.0% | |
| CHEVRON | $105,000 | $105,000 | 0.0% | 0.0% |
| CIS Financial Services, Inc. | $195,000 | $105,000 | -46.2% | 0.0% |
| INTERNATIONAL CITY MORTGAGE, INC. | $105,000 | n/a | 0.0% | |
| MEMBER HOME LOAN, L.L.C. | $275,000 | $105,000 | -61.8% | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | $105,000 | n/a | 0.0% | |
| Washington State Bank | $105,000 | n/a | 0.0% | |
| CARDINAL FINANCIAL | $2,290,000 | $95,000 | -95.9% | 0.0% |
| Gulf Coast Bank and Trust Company | $420,000 | $95,000 | -77.4% | 0.0% |
| LENDINGONE, LLC | $515,000 | $95,000 | -81.6% | 0.0% |
| Old National Bank | $95,000 | n/a | 0.0% | |
| First Merchants Bank | $85,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $85,000 | n/a | 0.0% | |
| Peoples Bank | $75,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $235,000 | $75,000 | -68.1% | 0.0% |
| ENCORE BANK | $595,000 | $65,000 | -89.1% | 0.0% |
| ESSENTIAL | $65,000 | n/a | 0.0% | |
| Planters Bank & Trust Company | $65,000 | n/a | 0.0% | |
| Guaranty Bank & Trust Company of Delhi, Louisiana | $105,000 | $55,000 | -47.6% | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | $65,000 | $55,000 | -15.4% | 0.0% |
| S1L, Inc. | $55,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $50,000 | $50,000 | 0.0% | 0.0% |
| Clearview Federal Credit Union | $45,000 | n/a | 0.0% | |
| Synergy Bank | $45,000 | n/a | 0.0% | |
| QUORUM FEDERAL CREDIT UNION | $35,000 | n/a | 0.0% | |
| Secured Investment Corp. | $360,000 | $35,000 | -90.3% | 0.0% |
| MidFirst Bank | $35,000 | $5,000 | -85.7% | 0.0% |
LAKE CHARLES's top lender by overall market share is Sabine State Bank and Trust Company, with 7.4% market share. In second place, with 5.7%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $36,645,000 in loans. In third place, with 4.7%, is HOMESIDE FINANCIAL, LLC, having originated $30,180,000 in loans. In fourth place, with 4.4%, is FIDELITY BANK, having originated $28,445,000 in loans. In fifth place, with 4.2%, is First Federal Bank of Louisiana, having originated $26,640,000 in loans.
LAKE CHARLES Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - LAKE CHARLES (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $224,900 (-2.2%) | $284,992 (-10.5%) | 0.83 | 932 |
| 2018-02-01 | $224,250 (-2.3%) | $281,913 (-10.3%) | 0.81 | 917 |
| 2018-03-01 | $226,200 (-4.8%) | $284,167 (-10.9%) | 0.79 | 913 |
| 2018-04-01 | $228,250 (-4.9%) | $285,599 (-11.6%) | 0.77 | 904 |
| 2018-05-01 | $234,250 (-4.4%) | $299,216 (-9.5%) | 0.78 | 892 |
| 2018-06-01 | $230,000 (-4.5%) | $294,629 (-10.4%) | 0.77 | 969 |
| 2018-07-01 | $225,450 (-6.0%) | $289,788 (-9.1%) | 0.75 | 1,007 |
| 2018-08-01 | $231,292 (-2.2%) | $316,473 (4.1%) | 0.77 | 1,032 |
| 2018-09-01 | $228,000 (-2.9%) | $309,421 (4.4%) | 0.77 | 1,056 |
| 2018-10-01 | $229,700 (-0.1%) | $300,606 (2.0%) | 0.78 | 1,084 |
| 2018-11-01 | $226,250 (0.3%) | $303,167 (3.3%) | 0.77 | 1,101 |
| 2018-12-01 | $226,200 (0.5%) | $308,462 (5.5%) | 0.78 | 1,094 |
| 2019-01-01 | $225,889 (0.4%) | $304,557 (6.9%) | 0.78 | 1,073 |
| 2019-02-01 | $229,000 (2.1%) | $305,724 (8.5%) | 0.77 | 1,078 |
| 2019-03-01 | $229,429 (1.4%) | $309,403 (8.9%) | 0.75 | 1,057 |
| 2019-04-01 | $232,450 (1.8%) | $314,140 (10.0%) | 0.74 | 1,035 |
| 2019-05-01 | $237,350 (1.3%) | $324,349 (8.4%) | 0.74 | 998 |
| 2019-06-01 | $237,000 (3.0%) | $320,658 (8.8%) | 0.74 | 976 |
| 2019-07-01 | $231,250 (2.6%) | $315,308 (8.8%) | 0.72 | 1,040 |
| 2019-08-01 | $228,609 (-1.2%) | $310,639 (-1.8%) | 0.72 | 1,068 |
| 2019-09-01 | $226,523 (-0.7%) | $308,776 (-0.2%) | 0.72 | 1,073 |
| 2019-10-01 | $225,182 (-2.0%) | $310,409 (3.3%) | 0.73 | 1,061 |
| 2019-11-01 | $225,000 (-0.6%) | $308,675 (1.8%) | 0.74 | 1,045 |
| 2019-12-01 | $215,000 (-5.0%) | $252,454 (-18.2%) | 0.72 | 933 |
| 2020-01-01 | $215,000 (-4.8%) | $253,974 (-16.6%) | 0.72 | 916 |
| 2020-02-01 | $218,200 (-4.7%) | $257,225 (-15.9%) | 0.71 | 926 |
| 2020-03-01 | $216,443 (-5.7%) | $262,914 (-15.0%) | 0.68 | 940 |
| 2020-04-01 | $215,313 (-7.4%) | $261,860 (-16.6%) | 0.67 | 960 |
| 2020-05-01 | $219,000 (-7.7%) | $264,939 (-18.3%) | 0.67 | 943 |
| 2020-06-01 | $219,950 (-7.2%) | $271,135 (-15.4%) | 0.65 | 929 |
| 2020-07-01 | $219,900 (-4.9%) | $273,837 (-13.2%) | 0.64 | 916 |
| 2020-08-01 | $219,225 (-4.1%) | $276,891 (-10.9%) | 0.63 | 915 |
| 2020-09-01 | $219,000 (-3.3%) | $275,448 (-10.8%) | 0.63 | 746 |
| 2020-10-01 | $223,500 (-0.8%) | $281,582 (-9.3%) | 0.64 | 619 |
| 2020-11-01 | $225,125 (0.1%) | $272,815 (-11.6%) | 0.66 | 567 |
| 2020-12-01 | $226,000 (5.1%) | $270,723 (7.2%) | 0.67 | 538 |
| 2021-01-01 | $230,000 (7.0%) | $272,581 (7.3%) | 0.69 | 492 |
| 2021-02-01 | $242,083 (11.0%) | $286,672 (11.5%) | 0.70 | 443 |
| 2021-03-01 | $233,600 (7.9%) | $284,131 (8.1%) | 0.66 | 396 |
| 2021-04-01 | $231,450 (7.5%) | $282,027 (7.7%) | 0.63 | 382 |
| 2021-05-01 | $229,500 (4.8%) | $287,957 (8.7%) | 0.61 | 337 |
| 2021-06-01 | $225,000 (2.3%) | $286,061 (5.5%) | 0.59 | 329 |
| 2021-07-01 | $228,950 (4.1%) | $282,854 (3.3%) | 0.60 | 370 |
| 2021-08-01 | $226,541 (3.3%) | $284,033 (2.6%) | 0.60 | 410 |
| 2021-09-01 | $227,250 (3.8%) | $278,933 (1.3%) | 0.61 | 458 |
| 2021-10-01 | $219,000 (-2.0%) | $272,234 (-3.3%) | 0.58 | 500 |
| 2021-11-01 | $219,675 (-2.4%) | $266,883 (-2.2%) | 0.59 | 542 |
| 2021-12-01 | $215,950 (-4.5%) | $257,900 (-4.7%) | 0.59 | 569 |
| 2022-01-01 | $220,325 (-4.2%) | $261,246 (-4.2%) | 0.60 | 533 |
| 2022-02-01 | $215,875 (-10.8%) | $261,910 (-8.6%) | 0.56 | 524 |
| 2022-03-01 | $216,249 (-7.4%) | $263,047 (-7.4%) | 0.54 | 509 |
| 2022-04-01 | $218,448 (-5.6%) | $273,566 (-3.0%) | 0.52 | 504 |
| 2022-05-01 | $218,425 (-4.8%) | $279,531 (-2.9%) | 0.50 | 545 |
| 2022-06-01 | $234,900 (4.4%) | $287,476 (0.5%) | 0.52 | 619 |
| 2022-07-01 | $235,000 (2.6%) | $281,075 (-0.6%) | 0.53 | 703 |
| 2022-08-01 | $228,125 (0.7%) | $274,156 (-3.5%) | 0.53 | 763 |
| 2022-09-01 | $225,000 (-1.0%) | $268,095 (-3.9%) | 0.53 | 809 |
| 2022-10-01 | $232,500 (6.2%) | $270,255 (-0.7%) | 0.55 | 882 |
| 2022-11-01 | $232,200 (5.7%) | $268,733 (0.7%) | 0.56 | 929 |
| 2022-12-01 | $229,700 (6.4%) | $267,004 (3.5%) | 0.57 | 941 |
| 2023-01-01 | $229,950 (4.4%) | $269,416 (3.1%) | 0.57 | 901 |
| 2023-02-01 | $225,250 (4.3%) | $265,161 (1.2%) | 0.54 | 876 |
| 2023-03-01 | $233,250 (7.9%) | $276,625 (5.2%) | 0.55 | 879 |
| 2023-04-01 | $230,000 (5.3%) | $279,273 (2.1%) | 0.53 | 871 |
| 2023-05-01 | $237,750 (8.9%) | $289,057 (3.4%) | 0.54 | 964 |
| 2023-06-01 | $241,950 (3.0%) | $292,605 (1.8%) | 0.54 | 949 |
| 2023-07-01 | $244,800 (4.2%) | $289,865 (3.1%) | 0.56 | 984 |
| 2023-08-01 | $239,850 (5.1%) | $289,260 (5.5%) | 0.55 | 999 |
| 2023-09-01 | $237,000 (5.3%) | $284,917 (6.3%) | 0.55 | 1,007 |
| 2023-10-01 | $235,250 (1.2%) | $287,017 (6.2%) | 0.55 | 997 |
| 2023-11-01 | $235,250 (1.3%) | $286,114 (6.5%) | 0.56 | 982 |
| 2023-12-01 | $239,000 (4.1%) | $285,898 (7.1%) | 0.58 | 962 |
| 2024-01-01 | $238,625 (3.8%) | $286,459 (6.3%) | 0.58 | 910 |
| 2024-02-01 | $239,925 (6.5%) | $288,804 (8.9%) | 0.58 | 952 |
| 2024-03-01 | $243,500 (4.4%) | $295,038 (6.7%) | 0.57 | 981 |
| 2024-04-01 | $242,500 (5.4%) | $302,020 (8.2%) | 0.56 | 996 |
| 2024-05-01 | $247,000 (3.9%) | $307,994 (6.6%) | 0.56 | 987 |
| 2024-06-01 | $242,750 (0.3%) | $304,685 (4.1%) | 0.55 | 996 |
| 2024-07-01 | $238,375 (-2.6%) | $300,768 (3.8%) | 0.55 | 1,071 |
| 2024-08-01 | $235,750 (-1.7%) | $299,651 (3.6%) | 0.55 | 1,077 |
| 2024-09-01 | $239,500 (1.1%) | $302,161 (6.1%) | 0.56 | 1,067 |
| 2024-10-01 | $236,000 (0.3%) | $297,486 (3.7%) | 0.56 | 1,074 |
| 2024-11-01 | $237,000 (0.7%) | $296,559 (3.7%) | 0.57 | 1,077 |
| 2024-12-01 | $235,250 (-1.6%) | $290,157 (1.5%) | 0.58 | 1,082 |
| 2025-01-01 | $235,000 (-1.5%) | $289,527 (1.1%) | 0.59 | 1,043 |
| 2025-02-01 | $234,950 (-2.1%) | $286,569 (-0.8%) | 0.57 | 1,055 |
| 2025-03-01 | $234,900 (-3.5%) | $281,340 (-4.6%) | 0.00 | 1,069 |
LAKE CHARLES's median listing price for 2025-03-01 was $234,900, a difference of
$-8,600
(-3.5%) versus the prior year and
$-50 versus the prior month.
LAKE CHARLES's median listing price comes in at 0% of the national average.
LAKE CHARLES's average listing price for 2025-03-01 was $281,340, a difference of $-13,698 (-4.6%) versus the prior year and $-5,229 versus the prior month.
For the 2025-03-01 period, LAKE CHARLES had 1,069 MLS listings, a difference of 14 listings (1%) versus the prior month and 88 listings (9%) versus the prior year.
LAKE CHARLES's median listing price comes in at 0% of the national average.
LAKE CHARLES's average listing price for 2025-03-01 was $281,340, a difference of $-13,698 (-4.6%) versus the prior year and $-5,229 versus the prior month.
For the 2025-03-01 period, LAKE CHARLES had 1,069 MLS listings, a difference of 14 listings (1%) versus the prior month and 88 listings (9%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - LAKE CHARLES (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 84 days | 1,943 sqft |
| 2018-02-01 | 87 days | 1,919 sqft |
| 2018-03-01 | 79 days | 1,925 sqft |
| 2018-04-01 | 71 days | 1,933 sqft |
| 2018-05-01 | 72 days | 1,972 sqft |
| 2018-06-01 | 72 days | 1,977 sqft |
| 2018-07-01 | 76 days | 1,972 sqft |
| 2018-08-01 | 79 days | 2,004 sqft |
| 2018-09-01 | 81 days | 1,971 sqft |
| 2018-10-01 | 79 days | 1,982 sqft |
| 2018-11-01 | 80 days | 1,983 sqft |
| 2018-12-01 | 86 days | 1,979 sqft |
| 2019-01-01 | 91 days | 1,982 sqft |
| 2019-02-01 | 95 days | 1,982 sqft |
| 2019-03-01 | 82 days | 1,990 sqft |
| 2019-04-01 | 76 days | 2,005 sqft |
| 2019-05-01 | 77 days | 2,019 sqft |
| 2019-06-01 | 79 days | 2,020 sqft |
| 2019-07-01 | 81 days | 2,008 sqft |
| 2019-08-01 | 80 days | 1,994 sqft |
| 2019-09-01 | 81 days | 1,982 sqft |
| 2019-10-01 | 82 days | 1,988 sqft |
| 2019-11-01 | 87 days | 1,985 sqft |
| 2019-12-01 | 89 days | 1,888 sqft |
| 2020-01-01 | 90 days | 1,868 sqft |
| 2020-02-01 | 92 days | 1,874 sqft |
| 2020-03-01 | 72 days | 1,876 sqft |
| 2020-04-01 | 80 days | 1,875 sqft |
| 2020-05-01 | 80 days | 1,885 sqft |
| 2020-06-01 | 81 days | 1,899 sqft |
| 2020-07-01 | 75 days | 1,893 sqft |
| 2020-08-01 | 75 days | 1,899 sqft |
| 2020-09-01 | 87 days | 1,899 sqft |
| 2020-10-01 | 97 days | 1,900 sqft |
| 2020-11-01 | 99 days | 1,900 sqft |
| 2020-12-01 | 71 days | 1,899 sqft |
| 2021-01-01 | 73 days | 1,899 sqft |
| 2021-02-01 | 65 days | 1,895 sqft |
| 2021-03-01 | 61 days | 1,880 sqft |
| 2021-04-01 | 56 days | 1,877 sqft |
| 2021-05-01 | 54 days | 1,887 sqft |
| 2021-06-01 | 52 days | 1,897 sqft |
| 2021-07-01 | 47 days | 1,880 sqft |
| 2021-08-01 | 51 days | 1,895 sqft |
| 2021-09-01 | 53 days | 1,885 sqft |
| 2021-10-01 | 59 days | 1,857 sqft |
| 2021-11-01 | 65 days | 1,850 sqft |
| 2021-12-01 | 69 days | 1,834 sqft |
| 2022-01-01 | 71 days | 1,829 sqft |
| 2022-02-01 | 62 days | 1,825 sqft |
| 2022-03-01 | 57 days | 1,836 sqft |
| 2022-04-01 | 53 days | 1,814 sqft |
| 2022-05-01 | 53 days | 1,837 sqft |
| 2022-06-01 | 53 days | 1,865 sqft |
| 2022-07-01 | 54 days | 1,897 sqft |
| 2022-08-01 | 60 days | 1,882 sqft |
| 2022-09-01 | 64 days | 1,876 sqft |
| 2022-10-01 | 68 days | 1,870 sqft |
| 2022-11-01 | 76 days | 1,874 sqft |
| 2022-12-01 | 89 days | 1,865 sqft |
| 2023-01-01 | 97 days | 1,875 sqft |
| 2023-02-01 | 98 days | 1,851 sqft |
| 2023-03-01 | 89 days | 1,876 sqft |
| 2023-04-01 | 78 days | 1,875 sqft |
| 2023-05-01 | 72 days | 1,878 sqft |
| 2023-06-01 | 78 days | 1,890 sqft |
| 2023-07-01 | 81 days | 1,889 sqft |
| 2023-08-01 | 78 days | 1,881 sqft |
| 2023-09-01 | 78 days | 1,878 sqft |
| 2023-10-01 | 84 days | 1,883 sqft |
| 2023-11-01 | 89 days | 1,866 sqft |
| 2023-12-01 | 93 days | 1,870 sqft |
| 2024-01-01 | 101 days | 1,871 sqft |
| 2024-02-01 | 95 days | 1,880 sqft |
| 2024-03-01 | 85 days | 1,886 sqft |
| 2024-04-01 | 74 days | 1,884 sqft |
| 2024-05-01 | 76 days | 1,888 sqft |
| 2024-06-01 | 81 days | 1,878 sqft |
| 2024-07-01 | 85 days | 1,867 sqft |
| 2024-08-01 | 82 days | 1,858 sqft |
| 2024-09-01 | 80 days | 1,867 sqft |
| 2024-10-01 | 86 days | 1,849 sqft |
| 2024-11-01 | 90 days | 1,841 sqft |
| 2024-12-01 | 96 days | 1,824 sqft |
| 2025-01-01 | 100 days | 1,819 sqft |
| 2025-02-01 | 97 days | 1,823 sqft |
| 2025-03-01 | 0 days | 1,820 sqft |
LAKE CHARLES's median listing age (time on market) for 2025-03-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
LAKE CHARLES's median square footage for active listings during the 2025-03-01 period was 1,820 sqft. One year prior, the average listing was 1,886 sqft.
LAKE CHARLES's median square footage for active listings during the 2025-03-01 period was 1,820 sqft. One year prior, the average listing was 1,886 sqft.
LAKE CHARLES, LA Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,788 | $471,170,000 | $263,518 |
| Refi | 418 | $109,630,000 | $262,273 |
| Cash Out Refi | 263 | $39,155,000 | $148,878 |
| Other | 131 | $13,225,000 | $100,954 |
| Home Improvement | 79 | $7,545,000 | $95,506 |
Lake Charles's most frequently cited loan purpose was Home Purchase, with 1,788 originations. The 2nd most popular reason was Refi, with 418 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 1,022 | $225,970,000 | $221,106 |
| Over 8% | 459 | $51,235,000 | $111,623 |
| 7-8% | 452 | $146,280,000 | $323,628 |
| 5-6% | 265 | $85,215,000 | $321,566 |
| 4-5% | 156 | $41,980,000 | $269,103 |
| 3-4% | 19 | $4,455,000 | $234,474 |
| <2.5% | 3 | $455,000 | $151,667 |
| 2.5-3% | 3 | $705,000 | $235,000 |
During 2024, Lake Charles's most frequently originated rate bucket was 6-7%, with 1,022 originations.
Loan Sizing (LAKE CHARLES, LA MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 958 | $253,240,000 | $264,342 |
| $100k-200k | 895 | $135,355,000 | $151,235 |
| $100,000 or less | 652 | $40,520,000 | $62,147 |
| $400k-600k | 112 | $52,220,000 | $466,250 |
| $600k-1000k | 43 | $31,355,000 | $729,186 |
| $Over $1MM | 19 | $128,035,000 | $6,738,684 |
LAKE CHARLES's loan sizing saw the bucket of loans from $200k-400k with 958 originations, totaling $253,240,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 1,374 | $301,700,000 | $219,578 |
| 60-80% | 448 | $117,650,000 | $262,612 |
| 40-60% | 188 | $76,520,000 | $407,021 |
| 20-40% | 159 | $17,365,000 | $109,214 |
| Under 20% | 101 | $5,065,000 | $50,149 |
| Over 100% | 44 | $24,940,000 | $566,818 |
LAKE CHARLES's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,374 originations, totaling $301,700,000 in origination value.