DSCR Loans in Ascension Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 62 lenders made 142 investment-property loans in Ascension Parish, 1.7% of Louisiana's total. Dominick Prevete arranges DSCR loans across Ascension Parish, Louisiana, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $230,000.
Ascension Parish investor market at a glance
| Statistic | Ascension Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 142 | 8,254 | 14th of 17 |
| Reporting lenders | 62 | 337 | 7th of 17 |
| Loan volume | $26.1M | $1.46B | 12th of 17 |
| Average loan | $184K | $177K | 5th of 17 |
| Median loan | $165K | $125K | 3rd of 17 |
| Purchases | 53.5% | 47.7% | 6th of 17 |
| Cash-out refinances | 14.1% | 13.1% | 6th of 17 |
| 2–4 unit properties | 9.2% | 23.6% | 17th of 17 |
| Top five lenders' share | 31.0% | 16.0% | 12th of 17 |
| Reported business-purpose | 52.8% | 46.3% | 5th of 17 |
Ascension Parish: closed-end loans on 1–4 unit investment properties. Ascension Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Ascension Parish's investor loans.
What stands out in Ascension Parish
9.2% of Ascension Parish's investor loans financed a 2–4 unit property, the lowest share of Louisiana's 17 counties with published data (statewide: 23.6%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The median investor loan in Ascension Parish was $165K, the 3rd-highest median of Louisiana's 17 counties with published data (statewide: $125K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
Does a DSCR loan pencil in Ascension Parish?
At HUD's fair market rent of $1,456 for a 3-bedroom in Ascension Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $230,000, with 20% down at the 7.25% starting rate (November 2026). Ascension Parish's median home value is $279,600; at that price the payment is $1,769 a month, so the property would need $1,775 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,149 / $1,456 / $1,842 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $279,600 |
| Median property taxes and effective rate | $1,519 (0.54% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,769 |
| Rent needed to cover that payment | $1,775 |
| Coverage of a 3-bedroom at fair market rent | 0.82 |
| Highest price a 3-bedroom at fair market rent covers | about $230,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Ascension Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Ascension Parish?
The most active investment-property lenders in Ascension Parish in 2025 HMDA data were b1BANK; Kiavi Funding, Inc.; and First American Bank and Trust, out of 62 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Ascension Parish, and matches each file to the one most likely to fund it.
Ascension Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 142 loans and $26.1M from 62 lenders. b1BANK led Ascension Parish with 11 loans, 7.7% of the county's total, and the average Ascension Parish loan of $184K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| b1BANK | 11 | $2.8M | $250K | 36.4% |
| Kiavi Funding, Inc. | 9 | $2.0M | $226K | 55.6% |
| First American Bank and Trust | 9 | $0.9M | $95K | 22.2% |
| United Wholesale Mortgage | 8 | $1.7M | $213K | 50.0% |
| HANCOCK WHITNEY BANK | 7 | $1.7M | $238K | 85.7% |
| Red River Bank | 5 | $0.7M | $133K | 60.0% |
| Synergy One Lending, Inc. | 5 | $0.6M | $127K | 100.0% |
| Regions Bank | 4 | $0.8M | $198K | 50.0% |
| BankPlus | 4 | $0.8M | $195K | 50.0% |
| AML FUNDING LLC | 3 | $0.6M | $215K | 66.7% |
| Assurance Financial Group, L.L.C. | 3 | $0.6M | $198K | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 3 | $0.3M | $108K | 100.0% |
| Guaranty Bank and Trust Company | 3 | $0.2M | $58K | 33.3% |
| Home Bank, National Association | 3 | $0.1M | $45K | 0.0% |
| Louisiana National Bank | 2 | $1.0M | $510K | 0.0% |
| Concordia Bank & Trust Company | 2 | $1.0M | $505K | 50.0% |
| THE LOAN STORE, INC. | 2 | $0.4M | $210K | 0.0% |
| DSLD MORTGAGE, LLC | 2 | $0.4M | $190K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 2 | $0.4M | $180K | 50.0% |
| Wells Fargo Bank, National Association | 2 | $0.4M | $180K | 100.0% |
| CV3 Financial Services, LLC | 2 | $0.3M | $170K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | $0.3M | $165K | 100.0% |
| GMFS LLC | 2 | $0.3M | $155K | 100.0% |
| BETTER MORTGAGE CORPORATION | 2 | $0.3M | $140K | 50.0% |
| FIDELITY BANK | 2 | $0.3M | $135K | 50.0% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Ascension Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Ascension Parish CSV, all 25 lenders
What Ascension Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Ascension Parish's fix-and-flip and bridge lenders barely appear among its 62 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →Dominick Prevete places loans with some of the lenders listed here through wholesale relationships, and is paid when a loan he arranges closes. Appearing in this table is not an endorsement or a recommendation.
Counties near Ascension Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Ascension Parish |
|---|---|---|---|
| Livingston Parish, LA | 125 | 56 | Borders Ascension Parish |
| East Baton Rouge Parish, LA | 999 | 150 | Borders Ascension Parish |
| Tangipahoa Parish, LA | 160 | 58 | About 40 miles away |
| Lafourche Parish, LA | 111 | 25 | About 60 miles away |
| Terrebonne Parish, LA | 176 | 26 | About 60 miles away |
| Lafayette Parish, LA | 542 | 95 | About 70 miles away |
| Iberia Parish, LA | 102 | 26 | About 70 miles away |
Run the coverage test on your Ascension Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Ascension Parish, Louisiana property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Ascension Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 62 lenders and 142 loans: 2025 HMDA loan-level data rolled up to Ascension Parish.
- Ascension Parish investor-lender dataset (CSV) — All 25 lenders in the Ascension Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Ascension Parish's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Baton Rouge, LA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Ascension Parish's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.