What people paid for mortgages in St. Landry Parish, LA (2025)

Across 562 closed home-purchase loans in 2025, the median interest rate in St. Landry was 6.625%, and the middle half of borrowers got between 6.125% and 7.25%. Median total loan costs ran $6,467 on a median loan of $165,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.125%–7.25%
Median total loan costs: $6,467
Median loan amount: $165,000

562 loans, 2025.

Refinance

Median rate: 6.25%
Middle half of rates: 5.99%–6.875%
Median total loan costs: $5,695
Median loan amount: $175,000

223 loans, 2025.

Lowest median rates in St. Landry (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.DHI MORTGAGE COMPANY, LTD.4.75%52 loans, median costs $6,407
2.Equity Prime Mortgage LLC6.125%34 loans, median costs $9,981
3.EUSTIS MORTGAGE CORPORATION6.495%46 loans, median costs $5,862
4.UNITED SHORE FINANCIAL SERVICES, LLCbroker only6.5%37 loans, median costs $6,306
5.VANDERBILT MORTGAGE AND FINANCE, INC.10.75%34 loans, median costs $7,383

Among lenders with at least 30 closed purchase loans in St. Landry Parish in 2025.

Refinance

1.UNITED SHORE FINANCIAL SERVICES, LLCbroker only5.625%17 loans, median costs $9,267
2.FREEDOM MORTGAGE CORPORATION5.875%10 loans, median costs $5,996
3.Rocket Mortgage, LLC6.125%21 loans, median costs $5,722
4.GMFS LLC6.625%17 loans, median costs $7,625

Among lenders with at least 10 closed refinance loans in St. Landry Parish in 2025. Fewer than 3 lenders reached 30 such loans here, so this list uses a 10-loan floor.

Lender by lender in St. Landry

Every lender that closed at least 5 qualifying loans in St. Landry 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	DHI MORTGAGE COMPANY, LTD.	52	4.75%	$6,407	$0	$1,993
2	EUSTIS MORTGAGE CORPORATION	46	6.495%	$5,862	$324	$993
3	UNITED SHORE FINANCIAL SERVICES, LLCbroker only	37	6.5%	$6,306	$1,763	$1,964
4	VANDERBILT MORTGAGE AND FINANCE, INC.	34	10.75%	$7,383	$3,626	$659
5	Equity Prime Mortgage LLC	34	6.125%	$9,981	$4,203	$2,359
6	TRIAD FINANCIAL SERVICES, INC.	25	8.58%	$14,919	$13,888	$12,018
7	21st Mortgage Corporation	24	9.965%	$6,847	$4,420	n/a
8	AMERICAN PACIFIC MORTGAGE CORPORATION	19	6.625%	$7,568	$3,244	$2,131
9	AMERICAN FINANCIAL RESOURCES, INC.	16	6.688%	$7,633	$2,210	$2,403
10	Rocket Mortgage, LLC	14	6.812%	$5,990	$1,999	$1,604
11	Assurance Financial Group, L.L.C.	13	6.99%	$6,703	$2,811	$1,559
12	Click n' Close, Inc.	11	6.375%	$3,795	$4,995	$754
13	GMFS LLC	11	6.5%	$2,144	$0	$1,211
14	UNION HOME MORTGAGE CORP.	10	6.25%	$6,392	$2,371	$1,406
15	Mortgage Research Center, LLC	9	6.625%	$2,509	$0	$498
16	GUILD MORTGAGE COMPANY	8	6.562%	$6,897	$1,931	$530
17	Abbeville Building & Loan (A State-Chartered Savings Bank)	8	n/a	n/a	n/a	n/a
18	JPMorgan Chase Bank, National Association	8	6.688%	$2,751	$754	$683
19	SFMC, LP	7	6.625%	$7,185	$2,065	$760
20	FIDELITY BANK	7	6.59%	$6,379	$1,980	$441
21	St Landry Bank & Trust Company	7	n/a	n/a	n/a	n/a
22	TOWNE MORTGAGE COMPANY	7	6.5%	$9,950	$4,790	$1,628
23	Washington State Bank	6	n/a	n/a	n/a	n/a
24	Pelican State Credit Union	5	7.325%	$2,779	$500	n/a
25	THE LOAN STORE, INC.broker only	5	6.49%	$9,402	$5,605	$3,202
26	The Evangeline Bank & Trust Company	5	8.5%	$492	$150	n/a
27	Home Bank, National Association	5	6.625%	$3,990	$1,125	n/a
28	First Horizon Bank	5	6.5%	$4,306	$1,350	$622
29	HANCOCK WHITNEY BANK	5	6.5%	$4,445	$1,496	n/a

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.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights, in plain English

One way to start several lender conversations quickly: a marketplace like LendingTree sends one request to up to five lenders, who will call and email you. Any lender you go on to apply with must then issue the same standardized Loan Estimate, which is the document you compare line by line.

Request quotes on LendingTree

What happens after you submit

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Have a Loan Estimate in hand? The checker compares your quoted rate and origination charges against the St. Landry figures above, in your browser, without storing anything.

Common questions

What mortgage rate did people get in St. Landry Parish in 2025?

The median interest rate on closed home-purchase loans in St. Landry Parish, Louisiana in 2025 was 6.625%, across 562 first-lien, owner-occupied loans. The middle half of borrowers got between 6.125% and 7.25%.

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.