DSCR Loans in Jefferson Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 113 lenders made 651 investment-property loans in Jefferson Parish, 7.9% of Louisiana's total. Dominick Prevete arranges DSCR loans across Jefferson 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 $300,000.
Jefferson Parish investor market at a glance
| Statistic | Jefferson Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 651 | 8,254 | 3rd of 17 |
| Reporting lenders | 113 | 337 | 3rd of 17 |
| Loan volume | $143.5M | $1.46B | 3rd of 17 |
| Average loan | $220K | $177K | 3rd of 17 |
| Median loan | $175K | $125K | 2nd of 17 |
| Purchases | 47.8% | 47.7% | 10th of 17 |
| Cash-out refinances | 20.9% | 13.1% | 3rd of 17 |
| 2–4 unit properties | 24.0% | 23.6% | 6th of 17 |
| Top five lenders' share | 33.9% | 16.0% | 11th of 17 |
| Reported business-purpose | 75.6% | 46.3% | 1st of 17 |
Jefferson Parish: closed-end loans on 1–4 unit investment properties. Jefferson Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Jefferson Parish's investor loans.
What stands out in Jefferson Parish
By share of investor loans reported as business-purpose, Jefferson Parish ranks highest of Louisiana's 17 counties with published data (statewide: 46.3%).
75.6% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The median investor loan in Jefferson Parish was $175K, the 2nd-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.
20.9% of Jefferson Parish's investor loans were cash-out refinances, the 3rd-highest share of Louisiana's 17 counties with published data (statewide: 13.1%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
Does a DSCR loan pencil in Jefferson Parish?
At HUD's fair market rent of $1,900 for a 3-bedroom in Jefferson Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $300,000, with 20% down at the 7.25% starting rate (November 2026). Jefferson Parish's median home value is $251,400; at that price the payment is $1,586 a month, so the property would need $1,600 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,480 / $1,900 / $2,233 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $251,400 |
| Median property taxes and effective rate | $1,312 (0.52% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,586 |
| Rent needed to cover that payment | $1,600 |
| Coverage of a 3-bedroom at fair market rent | 1.20 |
| Highest price a 3-bedroom at fair market rent covers | about $300,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $465,000 |
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 Jefferson Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Jefferson Parish?
The most active investment-property lenders in Jefferson Parish in 2025 HMDA data were Gulf Coast Bank and Trust Company; FM Home Loans, LLC; and United Wholesale Mortgage, out of 113 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 Jefferson Parish, and matches each file to the one most likely to fund it.
Jefferson Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 651 loans and $143.5M from 113 lenders. Gulf Coast Bank and Trust Company led Jefferson Parish with 67 loans, 10.3% of the county's total, and the average Jefferson Parish loan of $220K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Gulf Coast Bank and Trust Company | 67 | $17.8M | $266K | 70.1% |
| FM Home Loans, LLC | 60 | $7.6M | $126K | 0.0% |
| United Wholesale Mortgage | 41 | $6.8M | $166K | 41.5% |
| HOMEXPRESS MORTGAGE CORP. | 29 | $6.0M | $206K | 20.7% |
| Renasant Bank | 24 | $7.7M | $320K | 66.7% |
| AMWEST FUNDING CORP. | 24 | $5.1M | $212K | 87.5% |
| Loan Funder LLC | 17 | $10.4M | $610K | 41.2% |
| Metairie Bank & Trust Company | 14 | $5.0M | $354K | 71.4% |
| First American Bank and Trust | 14 | $2.0M | $146K | 28.6% |
| Kiavi Funding, Inc. | 13 | $2.7M | $210K | 92.3% |
| OCMBC, INC. | 13 | $2.5M | $193K | 46.2% |
| BPL MORTGAGE TRUST, LLC | 13 | $2.2M | $167K | 7.7% |
| b1BANK | 11 | $3.4M | $309K | 36.4% |
| FIDELITY BANK | 11 | $3.2M | $287K | 100.0% |
| Home Bank, National Association | 11 | $2.6M | $239K | 9.1% |
| JPMorgan Chase Bank, National Association | 11 | $1.8M | $167K | 54.5% |
| MOVEMENT MORTGAGE, LLC | 10 | $1.4M | $145K | 90.0% |
| Bank of Louisiana | 10 | $1.2M | $119K | 50.0% |
| Resource Bank | 9 | $3.5M | $384K | 88.9% |
| HANCOCK WHITNEY BANK | 9 | $2.5M | $273K | 77.8% |
| GMFS LLC | 9 | $2.4M | $269K | 22.2% |
| THE LOAN STORE, INC. | 9 | $1.8M | $197K | 22.2% |
| First National Bank USA | 9 | $1.0M | $113K | 55.6% |
| BankPlus | 8 | $2.1M | $260K | 50.0% |
| South Lafourche Bank & Trust Company | 7 | $2.7M | $392K | 14.3% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Jefferson Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Jefferson Parish CSV, all 25 lenders
What Jefferson Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Jefferson Parish's fix-and-flip and bridge lenders barely appear among its 113 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 Jefferson Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Jefferson Parish |
|---|---|---|---|
| Lafourche Parish, LA | 111 | 25 | Borders Jefferson Parish |
| Orleans Parish, LA | 959 | 149 | Borders Jefferson Parish |
| St. Tammany Parish, LA | 354 | 85 | Borders Jefferson Parish |
| Terrebonne Parish, LA | 176 | 26 | About 50 miles away |
Run the coverage test on your Jefferson Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Jefferson 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 — Jefferson Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 113 lenders and 651 loans: 2025 HMDA loan-level data rolled up to Jefferson Parish.
- Jefferson Parish investor-lender dataset (CSV) — All 25 lenders in the Jefferson Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Jefferson 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 New Orleans-Metairie, LA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Jefferson 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.