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

Across 2,936 closed home-purchase loans in 2025, the median interest rate in St. Tammany was 6.49%, and the middle half of borrowers got between 6% and 6.75%. Median total loan costs ran $6,038 on a median loan of $275,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.49%
Middle half of rates: 6%–6.75%
Median total loan costs: $6,038
Median loan amount: $275,000

2,936 loans, 2025.

Refinance

Median rate: 6.125%
Middle half of rates: 5.75%–6.625%
Median total loan costs: $6,055
Median loan amount: $255,000

1,033 loans, 2025.

Lowest median rates in St. Tammany (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.builder lender3.99%159 loans, median costs $6,994
2.Navy Federal Credit Union6%61 loans, median costs $4,794
3.JPMorgan Chase Bank, NA6.188%32 loans, median costs $3,300
4.DSLD Mortgage LLC6.25%195 loans, median costs $2,991
5.Mortgage Research Center6.25%83 loans, median costs $3,143

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

Refinance

1.United Wholesale Mortgagebroker only5.704%100 loans, median costs $6,884
2.PENNYMAC LOAN SERVICES LLC5.99%45 loans, median costs $5,518
3.ROCKET MORTGAGE6.188%118 loans, median costs $7,098
4.FREEDOM MORTGAGE CORPORATION6.25%67 loans, median costs $6,044
5.JPMorgan Chase Bank, NA6.375%31 loans, median costs $4,075

Among lenders with at least 30 closed refinance loans in St. Tammany Parish in 2025.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

Lender by lender in St. Tammany

Every lender that closed at least 5 qualifying loans in St. Tammany 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	GMFS, LLC	249	6.5%	$3,747	$149	$811
2	DSLD Mortgage LLC	195	6.25%	$2,991	$0	$529
3	DHI Mortgage Company, LTD.builder lender	159	3.99%	$6,994	$0	$2,560
4	GULF COAST BANK AND TRUST	124	6.625%	$6,563	$1,598	$821
5	Loansteady LLC	122	6.49%	$7,087	$2,633	$2,400
6	United Wholesale Mortgagebroker only	115	6.5%	$7,685	$2,329	$1,386
7	Eustis Mortgage Corp	107	6.5%	$7,530	$1,975	$1,745
8	FIDELITY BANK	104	6.59%	$7,928	$2,382	$2,318
9	MOVEMENT MORTGAGE, LLC	90	6.562%	$5,659	$1,723	$923
10	Mortgage Research Center	83	6.25%	$3,143	$0	$939
11	ROCKET MORTGAGE	81	6.375%	$6,646	$2,591	$3,240
12	CROSSCOUNTRY MORTGAGE, LLC	76	6.719%	$8,502	$3,086	$1,708
13	FIRST HORIZON BANK	70	6.375%	$6,009	$1,350	$1,700
14	PRIMELENDING	66	6.59%	$7,006	$2,088	$1,627
15	Navy Federal Credit Union	61	6%	$4,794	$0	$2,964
16	NEW AMERICAN FUNDING, LLC.	54	6.875%	$5,630	$1,695	$1,831
17	STANDARD MORTGAGE CORPORATION	49	6.5%	$5,506	$2,217	$743
18	HANCOCK WHITNEY BANK	39	6.375%	$4,866	$1,726	$985
19	LOANDEPOT.COM, LLC	38	6.25%	$8,434	$1,851	$623
20	CARDINAL FINANCIAL COMPANY, LI	36	6.5%	$7,307	$2,364	$2,477
21	FREEDOM MORTGAGE CORPORATION	35	6.25%	$7,909	$1,290	$1,254
22	ARK-LA-TEX FINANCIAL SERVICES LLC	33	6.375%	$4,779	$1,270	$880
23	JPMorgan Chase Bank, NA	32	6.188%	$3,300	$991	$2,237
24	SYNERGY ONE LENDING, INC.	31	6.625%	$8,643	$3,180	$2,447
25	T2 FINANCIAL LLC	30	6.375%	$10,229	$3,767	$2,021
26	Click n' Close, Inc.	28	6.75%	$9,040	$4,892	$1,526
27	NEWREZ LLC	28	6.5%	$7,189	$1,244	$1,292
28	ONPATH FEDERAL CREDIT UNION	27	6.25%	$4,765	$1,550	n/a
29	Equity Prime Mortgage LLC	24	6.5%	$7,997	$2,687	$2,605
30	PENNYMAC LOAN SERVICES LLC	24	6.25%	$7,231	$1,472	$2,073
31	TOWNE MORTGAGE COMPANY	23	6.125%	$7,067	$1,806	$1,028
32	AMERICAN FINANCIAL NETWORK, INC.	22	6.25%	$9,798	$3,401	n/a
33	KEESLER FEDERAL CREDIT UNION	22	5.875%	$4,709	$1,150	n/a
34	GUARANTEED RATE, INC.	21	6.4%	$5,399	$1,640	$694
35	CHEVRON FEDERAL CREDIT UNION	20	5.625%	$0	$0	n/a
36	Heritage Bank of St. Tammany	19	n/a	n/a	n/a	n/a
37	REGIONS BANK	19	6.5%	$4,335	$1,060	$734
38	Mutual of Omaha Mortgage	18	6.75%	$6,855	$1,588	$2,745
39	Resource Bank	16	n/a	n/a	n/a	n/a
40	The Mortgage Firm	14	6.688%	$5,199	$1,745	$1,965

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

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What happens after you submit

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Common questions

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

The median interest rate on closed home-purchase loans in St. Tammany Parish, Louisiana in 2025 was 6.49%, across 2,936 first-lien, owner-occupied loans. The middle half of borrowers got between 6% and 6.75%.

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.