What people paid for mortgages in Orleans Parish, LA (2025)
Across 1,959 closed home-purchase loans in 2025, the median interest rate in Orleans was 6.5%, and the middle half of borrowers got between 6.125% and 6.875%. Median total loan costs ran $6,410 on a median loan of $315,000. Source: federal HMDA filings on first-lien, owner-occupied loans.
Home purchase
- Median rate
- 6.5%
- Middle half of rates
- 6.125%–6.875%
- Median total loan costs
- $6,410
- Median loan amount
- $315,000
1,959 loans, 2025.
Refinance
- Median rate
- 6.25%
- Middle half of rates
- 5.875%–6.75%
- Median total loan costs
- $6,447
- Median loan amount
- $285,000
630 loans, 2025.
Lowest median rates in Orleans (2025)
The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.
Home purchase
- 1.OnPath Federal Credit Union6.25%69 loans, median costs $5,966
- 2.Navy Federal Credit Union6.25%33 loans, median costs $4,878
- 3.HANCOCK WHITNEY BANK6.375%75 loans, median costs $5,254
- 4.First Horizon Bank6.438%226 loans, median costs $5,751
- 5.JPMorgan Chase Bank, National Association6.49%80 loans, median costs $3,949
Among lenders with at least 30 closed purchase loans in Orleans Parish in 2025.
Refinance
- 1.PENNYMAC LOAN SERVICES, LLC5.75%39 loans, median costs $6,862
- 2.Rocket Mortgage, LLC5.99%73 loans, median costs $7,959
- 3.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.111%57 loans, median costs $8,759
- 4.JPMorgan Chase Bank, National Association6.375%31 loans, median costs $4,485
- 5.FIDELITY BANK6.375%30 loans, median costs $7,969
Among lenders with at least 30 closed refinance loans in Orleans Parish in 2025.
Lender by lender in Orleans
Every lender that closed at least 5 qualifying loans in Orleans Parish in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.
| # | Lender | Loans | Median rate | Median total costs | Median origination | Median points |
|---|---|---|---|---|---|---|
| 1 | First Horizon Bank | 226 | 6.438% | $5,751 | $1,350 | $1,492 |
| 2 | FIDELITY BANK | 194 | 6.625% | $7,542 | $3,221 | $2,318 |
| 3 | EUSTIS MORTGAGE CORPORATION | 140 | 6.625% | $6,833 | $1,664 | $2,294 |
| 4 | UNITED SHORE FINANCIAL SERVICES, LLCbroker only | 135 | 6.5% | $8,002 | $2,758 | $1,767 |
| 5 | Gulf Coast Bank and Trust Company | 83 | 6.625% | $6,462 | $1,598 | $1,050 |
| 6 | JPMorgan Chase Bank, National Association | 80 | 6.49% | $3,949 | $191 | $2,426 |
| 7 | HANCOCK WHITNEY BANK | 75 | 6.375% | $5,254 | $1,903 | $1,165 |
| 8 | Rocket Mortgage, LLC | 73 | 6.49% | $7,855 | $2,583 | $3,700 |
| 9 | OnPath Federal Credit Union | 69 | 6.25% | $5,966 | $1,550 | n/a |
| 10 | MOVEMENT MORTGAGE, LLC | 64 | 6.5% | $6,224 | $1,630 | $1,079 |
| 11 | Liberty Bank and Trust Company | 42 | n/a | n/a | n/a | n/a |
| 12 | Mortgage Research Center, LLC | 39 | 6.5% | $3,012 | $0 | $1,213 |
| 13 | EVERETT FINANCIAL, INC. | 37 | 6.75% | $7,446 | $2,170 | $3,453 |
| 14 | GMFS LLC | 36 | 6.5% | $5,415 | $375 | $718 |
| 15 | Navy Federal Credit Union | 33 | 6.25% | $4,878 | $0 | $1,113 |
| 16 | INTERLINC MORTGAGE SERVICES, LLC | 24 | 6.75% | $6,212 | $153 | $3,556 |
| 17 | CROSSCOUNTRY MORTGAGE, INC. | 23 | 6.75% | $6,178 | $1,490 | $1,384 |
| 18 | Broker Solutions, Inc. | 19 | 6.875% | $6,407 | $1,695 | $646 |
| 19 | CREDIT HUMAN FEDERAL CREDIT UNION | 19 | 6.55% | $4,675 | $1,298 | $2,275 |
| 20 | PENNYMAC LOAN SERVICES, LLC | 19 | 6.25% | $7,665 | $1,569 | $523 |
| 21 | CMG MORTGAGE, INC. | 18 | 6.625% | $7,631 | $3,964 | $3,000 |
| 22 | Regions Bank | 18 | 6.5% | $6,358 | $1,441 | $2,208 |
| 23 | LOWER, LLC | 17 | 6.625% | $5,925 | $1,900 | $1,267 |
| 24 | Click n' Close, Inc. | 16 | 6.688% | $9,582 | $5,144 | $2,376 |
| 25 | Bank of America, National Association | 16 | 5.625% | $5,488 | $1,527 | $837 |
| 26 | THE MORTGAGE FIRM, INC. | 14 | 6.625% | $5,956 | $2,161 | $2,144 |
| 27 | NEWREZ LLC | 13 | 6.625% | $9,016 | $3,593 | $2,198 |
| 28 | Equity Prime Mortgage LLC | 13 | 6.5% | $8,302 | $0 | $1,783 |
| 29 | STANDARD MORTGAGE CORPORATION | 12 | 6.5% | $5,819 | $1,939 | $3,144 |
| 30 | Home Bank, National Association | 12 | 7.25% | $6,604 | $1,125 | $3,176 |
| 31 | FREEDOM MORTGAGE CORPORATION | 12 | 6.25% | $9,600 | $3,531 | $2,139 |
| 32 | Red River Bank | 11 | 6.125% | $4,618 | $1,050 | n/a |
| 33 | USAA Federal Savings Bank | 11 | 6.5% | $6,287 | $1,390 | $1,663 |
| 34 | HOPE FEDERAL CREDIT UNION | 10 | 6.75% | $6,752 | $2,950 | $3,729 |
| 35 | Morgan Stanley Private Bank, National Association | 10 | 5.925% | $5,153 | $815 | n/a |
| 36 | MUTUAL OF OMAHA MORTGAGE, INC. | 10 | 6.312% | $8,773 | $2,165 | $2,080 |
| 37 | Loansteady LLC | 9 | 6.5% | $7,193 | $3,684 | $3,092 |
| 38 | SUMMIT FUNDING, INC. | 9 | 6.75% | $12,728 | $3,079 | $2,837 |
| 39 | UNION HOME MORTGAGE CORP. | 9 | 6.625% | $5,247 | $1,942 | $853 |
| 40 | SOUTHWEST FUNDING, LP | 8 | 6.75% | $11,353 | $4,761 | $2,966 |
What these numbers are, and are not
Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.
The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.
Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the Orleans figures above, in your browser, without storing anything.
Common questions
What mortgage rate did people get in Orleans Parish in 2025?
The median interest rate on closed home-purchase loans in Orleans Parish, Louisiana in 2025 was 6.5%, across 1,959 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 6.875%.
Is this a rate I can get today?
No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.
Why do lenders in the table show different rates?
Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.
Where do these numbers come from?
The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.