DSCR Loans in Lafayette Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 95 lenders made 542 investment-property loans in Lafayette Parish, 6.6% of Louisiana's total. Dominick Prevete arranges DSCR loans across Lafayette 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 $215,000.
Lafayette Parish investor market at a glance
| Statistic | Lafayette Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 542 | 8,254 | 4th of 17 |
| Reporting lenders | 95 | 337 | 4th of 17 |
| Loan volume | $96.5M | $1.46B | 4th of 17 |
| Average loan | $178K | $177K | 6th of 17 |
| Median loan | $135K | $125K | 7th of 17 |
| Purchases | 58.7% | 47.7% | 2nd of 17 |
| Cash-out refinances | 8.1% | 13.1% | 13th of 17 |
| 2–4 unit properties | 21.8% | 23.6% | 10th of 17 |
| Top five lenders' share | 28.4% | 16.0% | 15th of 17 |
| Reported business-purpose | 38.2% | 46.3% | 12th of 17 |
Lafayette Parish: closed-end loans on 1–4 unit investment properties. Lafayette Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lafayette Parish's investor loans.
What stands out in Lafayette Parish
58.7% of Lafayette Parish's investor loans were purchases, the 2nd-highest share of Louisiana's 17 counties with published data (statewide: 47.7%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
The five most active lenders wrote 28.4% of Lafayette Parish's investor loans, the 3rd-lowest share of Louisiana's 17 counties with published data (statewide: 16.0%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Lafayette Parish?
At HUD's fair market rent of $1,375 for a 3-bedroom in Lafayette Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $215,000, with 20% down at the 7.25% starting rate (November 2026). Lafayette Parish's median home value is $242,900; at that price the payment is $1,542 a month, so the property would need $1,550 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) | $1,092 / $1,375 / $1,607 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $242,900 |
| Median property taxes and effective rate | $1,380 (0.57% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,542 |
| Rent needed to cover that payment | $1,550 |
| Coverage of a 3-bedroom at fair market rent | 0.89 |
| Highest price a 3-bedroom at fair market rent covers | about $215,000 |
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 Lafayette Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lafayette Parish?
The most active investment-property lenders in Lafayette Parish in 2025 HMDA data were United Wholesale Mortgage, The First National Bank of Jeanerette and American Bank & Trust Company, out of 95 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 and matches each file to the one most likely to fund it.
Lafayette Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 542 loans and $96.5M from 95 lenders. United Wholesale Mortgage led Lafayette Parish with 42 loans, 7.7% of the county's total, and the average Lafayette Parish loan of $178K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 42 | $5.3M | $127K | 71.4% |
| The First National Bank of Jeanerette | 34 | $9.1M | $268K | 55.9% |
| American Bank & Trust Company | 30 | $5.3M | $177K | 70.0% |
| The Evangeline Bank & Trust Company | 26 | $5.3M | $205K | 73.1% |
| Community First Bank | 22 | $3.3M | $148K | 36.4% |
| THE LOAN STORE, INC. | 22 | $3.2M | $147K | 90.9% |
| Cadence Bank | 19 | $3.1M | $164K | 42.1% |
| Gulf Coast Bank | 18 | $3.5M | $196K | 72.2% |
| b1BANK | 16 | $3.8M | $236K | 50.0% |
| Farmers-Merchants Bank & Trust Company | 16 | $3.3M | $205K | 43.8% |
| The Bank | 15 | $2.8M | $189K | 46.7% |
| Bank of Sunset and Trust Company | 15 | $1.9M | $128K | 13.3% |
| CLB The Community Bank | 14 | $3.2M | $226K | 21.4% |
| JD BANCSHARES, INC. | 14 | $1.3M | $92K | 57.1% |
| Bank of Abbeville & Trust Company | 13 | $2.4M | $187K | 53.8% |
| Home Bank, National Association | 12 | $1.7M | $143K | 75.0% |
| Rayne State Bank & Trust Company | 11 | $3.7M | $339K | 36.4% |
| First National Bank of Louisiana | 11 | $1.1M | $101K | 27.3% |
| Assurance Financial Group, L.L.C. | 10 | $1.4M | $142K | 50.0% |
| DSLD MORTGAGE, LLC | 9 | $1.8M | $205K | 100.0% |
| First Horizon Bank | 8 | $0.9M | $115K | 75.0% |
| Washington State Bank | 7 | $1.1M | $159K | 57.1% |
| HANCOCK WHITNEY BANK | 7 | $1.0M | $148K | 85.7% |
| The Cottonport Bank | 6 | $1.0M | $167K | 83.3% |
| Vermilion Bank & Trust Company | 6 | $0.8M | $140K | 16.7% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lafayette Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Lafayette Parish CSV, all 25 lenders
What Lafayette Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Lafayette Parish's fix-and-flip and bridge lenders barely appear among its 95 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 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 Lafayette Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Lafayette Parish |
|---|---|---|---|
| Iberia Parish, LA | 102 | 26 | Borders Lafayette Parish |
| East Baton Rouge Parish, LA | 999 | 150 | About 60 miles away |
| Ascension Parish, LA | 142 | 62 | About 70 miles away |
| Rapides Parish, LA | 311 | 33 | About 75 miles away |
| Calcasieu Parish, LA | 346 | 58 | About 75 miles away |
Run the coverage test on your Lafayette Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lafayette 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 — Lafayette Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 95 lenders and 542 loans: 2025 HMDA loan-level data rolled up to Lafayette Parish.
- Lafayette Parish investor-lender dataset (CSV) — All 25 lenders in the Lafayette Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lafayette 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 Lafayette, LA HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lafayette 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.