DSCR Loans in Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
Dominick Prevete arranges DSCR loans across 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. In 2025 HMDA data, 337 lenders made 8,254 investment-property loans in Louisiana; the most active are in the table below, and 17 counties have their own page.
Louisiana investor market at a glance
| Statistic | Louisiana | National | State rank |
|---|---|---|---|
| Investor loans | 8,254 | 553,332 | 25th of 51 |
| Reporting lenders | 337 | 4,120 | 30th of 51 |
| Loan volume | $1.46B | $190.57B | 33rd of 51 |
| Average loan | $177K | $344K | 47th of 51 |
| Median loan | $125K | — | 49th of 51 |
| Purchases | 47.7% | 59.2% | 51st of 51 |
| Cash-out refinances | 13.1% | 18.8% | 36th of 51 |
| 2–4 unit properties | 23.6% | 17.3% | 14th of 51 |
| Top five lenders' share | 16.0% | 21.9% | 46th of 51 |
| Reported business-purpose | 46.3% | 70.8% | 51st of 51 |
Louisiana: closed-end loans on 1–4 unit investment properties. Rank is highest first among the 50 states and DC. The national figures are totals for loans and volume, distinct filers for lenders, and loan-weighted averages for every share; a median does not combine across states.
What stands out in Louisiana
46.3% of Louisiana's investor loans were reported as business-purpose, the lowest share of the 50 states and DC (national figure: 70.8%).
Fewer investor loans here were reported as business-purpose than in most of the 50 states and DC. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
47.7% of Louisiana's investor loans were purchases, the lowest share of the 50 states and DC (national figure: 59.2%).
Most investor loans here refinance property investors already own. A DSCR refinance qualifies on the property's current rent.
The median investor loan in Louisiana was $125K, the 2nd-lowest median of the 50 states and DC.
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Who are the DSCR and investment-property lenders in Louisiana?
The most active investment-property lenders in Louisiana in 2025 HMDA data were United Wholesale Mortgage, b1BANK and Synergy Bank, out of 337 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 several that reported in Louisiana, and matches each file to the one most likely to fund it.
Every year, lenders report their originations under the Home Mortgage Disclosure Act. We filtered Louisiana's 2025 filings to closed-end loans on 1–4 unit investment properties: 8,254 loans totaling $1.46B across 337 lenders. These were the most active.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| United Wholesale Mortgage | 329 | $48.1M | $146K | 54.4% |
| b1BANK | 281 | $73.6M | $262K | 30.6% |
| Synergy Bank | 249 | $27.1M | $109K | 24.9% |
| Gulf Coast Bank and Trust Company | 247 | $64.9M | $263K | 66.4% |
| Guaranty Bank & Trust Company of Delhi, Louisiana | 216 | $23.5M | $109K | 42.6% |
| The Evangeline Bank & Trust Company | 205 | $26.2M | $128K | 53.7% |
| Origin Bank | 171 | $27.1M | $159K | 48.5% |
| Southern Heritage Bank | 157 | $18.1M | $115K | 42.0% |
| WINNSBORO STATE BANK & TRUST COMPANY | 138 | $17.9M | $129K | 50.0% |
| First American Bank and Trust | 122 | $18.7M | $153K | 41.0% |
| BankPlus | 119 | $38.2M | $321K | 41.2% |
| HOMELAND BANCSHARES, INC. | 118 | $15.1M | $128K | 47.5% |
| Cadence Bank | 118 | $14.7M | $124K | 41.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 115 | $20.8M | $181K | 20.0% |
| Red River Bank | 106 | $21.6M | $203K | 41.5% |
| Resource Bank | 105 | $29.5M | $281K | 55.2% |
| JD BANCSHARES, INC. | 96 | $8.9M | $93K | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 94 | $17.4M | $185K | 33.0% |
| Community First Bank | 91 | $9.2M | $101K | 31.9% |
| Kiavi Funding, Inc. | 90 | $15.3M | $170K | 65.6% |
| Gibsland Bank & Trust Company | 90 | $10.9M | $121K | 37.8% |
| Rocket Mortgage, LLC | 86 | $13.3M | $155K | 32.6% |
| The First National Bank of Jeanerette | 85 | $15.6M | $183K | 47.1% |
| THE LOAN STORE, INC. | 82 | $15.0M | $183K | 63.4% |
| Commercial Capital Bank | 81 | $51.5M | $636K | 49.4% |
Source: 2025 HMDA loan-level data (CFPB/FFIEC Data Browser), retrieved November 11, 2026. Updated annually. See how this data is built or download the full dataset (CSV) — all 337 reporting lenders with every underlying figure. Researching the market rather than financing a property? The Louisiana lending data page covers this table on its own.
What this table can't show you: fit. HMDA exempts short-term financing, so fix-and-flip and bridge lenders barely appear here — and no federal dataset knows which lender's 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.
DSCR loans by county in Louisiana
Each county page compares the county's 2025 HMDA investor-lending figures with Louisiana's and names its most active lenders. Counties are listed by investor loan count.
17 Louisiana counties have their own page so far.
- East Baton Rouge Parish999 loans
- Orleans Parish959 loans
- Jefferson Parish651 loans
- Lafayette Parish542 loans
- Ouachita Parish517 loans
- Caddo Parish464 loans
- St. Tammany Parish354 loans
- Calcasieu Parish346 loans
- Rapides Parish311 loans
- Bossier Parish219 loans
- Terrebonne Parish176 loans
- Lincoln Parish161 loans
- Tangipahoa Parish160 loans
- Ascension Parish142 loans
- Livingston Parish125 loans
- Lafourche Parish111 loans
- Iberia Parish102 loans
- Webster Parish (fewer than 100 investor loans in 2025)99 loans
- Richland Parish (fewer than 100 investor loans in 2025)95 loans
- St. Landry Parish (fewer than 100 investor loans in 2025)94 loans
- St. John the Baptist Parish (fewer than 100 investor loans in 2025)85 loans
- Vermilion Parish (fewer than 100 investor loans in 2025)81 loans
- Franklin Parish (fewer than 100 investor loans in 2025)73 loans
- St. Bernard Parish (fewer than 100 investor loans in 2025)73 loans
- St. Martin Parish (fewer than 100 investor loans in 2025)70 loans
- Acadia Parish (fewer than 100 investor loans in 2025)64 loans
- Natchitoches Parish (fewer than 100 investor loans in 2025)56 loans
- Union Parish (fewer than 100 investor loans in 2025)53 loans
- St. Charles Parish (fewer than 100 investor loans in 2025)51 loans
- De Soto Parish (fewer than 100 investor loans in 2025)49 loans
- Washington Parish (fewer than 100 investor loans in 2025)49 loans
- Avoyelles Parish (fewer than 100 investor loans in 2025)45 loans
- Pointe Coupee Parish (fewer than 100 investor loans in 2025)45 loans
- LaSalle Parish (fewer than 100 investor loans in 2025)44 loans
- St. Mary Parish (fewer than 100 investor loans in 2025)44 loans
- Jefferson Davis Parish (fewer than 100 investor loans in 2025)40 loans
- Sabine Parish (fewer than 100 investor loans in 2025)40 loans
- Beauregard Parish (fewer than 100 investor loans in 2025)39 loans
- Grant Parish (fewer than 100 investor loans in 2025)39 loans
- Morehouse Parish (fewer than 100 investor loans in 2025)37 loans
- Caldwell Parish (fewer than 100 investor loans in 2025)36 loans
- Iberville Parish (fewer than 100 investor loans in 2025)35 loans
- Vernon Parish (fewer than 100 investor loans in 2025)34 loans
- Evangeline Parish (fewer than 100 investor loans in 2025)32 loans
- West Baton Rouge Parish (fewer than 100 investor loans in 2025)29 loans
- Concordia Parish (fewer than 100 investor loans in 2025)23 loans
- Plaquemines Parish (fewer than 100 investor loans in 2025)23 loans
- Claiborne Parish (fewer than 100 investor loans in 2025)21 loans
- Catahoula Parish (fewer than 100 investor loans in 2025)17 loans
- Tensas Parish (fewer than 100 investor loans in 2025)16 loans
- Assumption Parish (fewer than 100 investor loans in 2025)15 loans
- Jackson Parish (fewer than 100 investor loans in 2025)15 loans
- St. James Parish (fewer than 100 investor loans in 2025)15 loans
- West Feliciana Parish (fewer than 100 investor loans in 2025)15 loans
- East Feliciana Parish (fewer than 100 investor loans in 2025)14 loans
- Allen Parish (fewer than 100 investor loans in 2025)13 loans
- Bienville Parish (fewer than 100 investor loans in 2025)13 loans
- East Carroll Parish (fewer than 100 investor loans in 2025)8 loans
- Madison Parish (fewer than 100 investor loans in 2025)8 loans
- West Carroll Parish (fewer than 100 investor loans in 2025)8 loans
- Winn Parish (fewer than 100 investor loans in 2025)8 loans
- Cameron Parish (fewer than 100 investor loans in 2025)6 loans
- St. Helena Parish (fewer than 100 investor loans in 2025)6 loans
- Red River Parish (fewer than 100 investor loans in 2025)4 loans
Run the coverage test on your Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a 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 — Louisiana's at-a-glance figures, its rank among the 50 states and DC, its observations and the Quick Read's 337 lenders and 8,254 loans: 2025 HMDA loan-level data.
- Louisiana investor-lender dataset (CSV) — Every Louisiana lender behind the table above, with volume, average loan and purchase share for each.
- Louisiana investor lending data, Dominick Prevete — The Louisiana table on its own, with the state's concentration figures and the method behind them.
- 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.