DSCR Loans in Orleans Parish, Louisiana
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 149 lenders made 959 investment-property loans in Orleans Parish, 11.6% of Louisiana's total. Dominick Prevete arranges DSCR loans across Orleans 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 $285,000.
Orleans Parish investor market at a glance
| Statistic | Orleans Parish | Louisiana | County rank |
|---|---|---|---|
| Investor loans | 959 | 8,254 | 2nd of 17 |
| Reporting lenders | 149 | 337 | 2nd of 17 |
| Loan volume | $263.8M | $1.46B | 1st of 17 |
| Average loan | $275K | $177K | 1st of 17 |
| Median loan | $205K | $125K | 1st of 17 |
| Purchases | 42.4% | 47.7% | 14th of 17 |
| Cash-out refinances | 27.9% | 13.1% | 1st of 17 |
| 2–4 unit properties | 56.3% | 23.6% | 1st of 17 |
| Top five lenders' share | 27.5% | 16.0% | 16th of 17 |
| Reported business-purpose | 74.3% | 46.3% | 2nd of 17 |
Orleans Parish: closed-end loans on 1–4 unit investment properties. Orleans Parish's rank is highest first, among Louisiana's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Orleans Parish's investor loans.
What stands out in Orleans Parish
56.3% of Orleans Parish's investor loans financed a 2–4 unit property, the highest share of Louisiana's 17 counties with published data (statewide: 23.6%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
The median investor loan in Orleans Parish was $205K, the 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.
27.9% of Orleans Parish's investor loans were cash-out refinances, the 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 Orleans Parish?
At HUD's fair market rent of $1,900 for a 3-bedroom in Orleans Parish, Louisiana, a rental covers its full DSCR payment up to a purchase price of about $285,000, with 20% down at the 7.25% starting rate (November 2026). Orleans Parish's median home value is $315,700; at that price the payment is $2,072 a month, so the property would need $2,075 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) | $1,480 / $1,900 / $2,233 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $315,700 |
| Median property taxes and effective rate | $2,606 (0.83% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,072 |
| Rent needed to cover that payment | $2,075 |
| Coverage of a 3-bedroom at fair market rent | 0.92 |
| Highest price a 3-bedroom at fair market rent covers | about $285,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $450,000 |
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 Orleans Parish's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Orleans Parish?
The most active investment-property lenders in Orleans Parish in 2025 HMDA data were Gulf Coast Bank and Trust Company; United Wholesale Mortgage; and VELOCITY COMMERCIAL CAPITAL, LLC, out of 149 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 Orleans Parish, and matches each file to the one most likely to fund it.
Orleans Parish's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 959 loans and $263.8M from 149 lenders. Gulf Coast Bank and Trust Company led Orleans Parish with 93 loans, 9.7% of the county's total, and the average Orleans Parish loan of $275K compares with $177K across Louisiana.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Gulf Coast Bank and Trust Company | 93 | $26.2M | $282K | 49.5% |
| United Wholesale Mortgage | 52 | $11.3M | $218K | 36.5% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 47 | $9.3M | $198K | 23.4% |
| OCMBC, INC. | 39 | $9.3M | $237K | 30.8% |
| DEEPHAVEN MORTGAGE LLC | 33 | $6.6M | $199K | 27.3% |
| CHAMPIONS FUNDING, LLC | 30 | $8.2M | $272K | 3.3% |
| HOMEXPRESS MORTGAGE CORP. | 28 | $6.5M | $232K | 17.9% |
| Bank of Louisiana | 27 | $2.9M | $106K | 18.5% |
| Resource Bank | 25 | $13.5M | $540K | 52.0% |
| BankPlus | 24 | $18.5M | $771K | 58.3% |
| Rocket Mortgage, LLC | 23 | $4.4M | $192K | 26.1% |
| Loan Funder LLC | 21 | $3.9M | $185K | 61.9% |
| Home Bank, National Association | 21 | $3.8M | $181K | 14.3% |
| NEWREZ LLC | 20 | $5.6M | $282K | 45.0% |
| First American Bank and Trust | 20 | $3.6M | $179K | 55.0% |
| Kiavi Funding, Inc. | 19 | $3.8M | $200K | 78.9% |
| FIDELITY BANK | 18 | $4.4M | $245K | 72.2% |
| First Horizon Bank | 16 | $3.8M | $237K | 43.8% |
| EUSTIS MORTGAGE CORPORATION | 15 | $5.6M | $375K | 73.3% |
| b1BANK | 14 | $7.3M | $519K | 14.3% |
| Renasant Bank | 13 | $3.4M | $263K | 38.5% |
| LENDSURE MORTGAGE CORP. | 12 | $3.6M | $301K | 58.3% |
| JPMorgan Chase Bank, National Association | 12 | $2.7M | $224K | 41.7% |
| HANCOCK WHITNEY BANK | 10 | $3.9M | $394K | 40.0% |
| MOVEMENT MORTGAGE, LLC | 10 | $2.8M | $278K | 80.0% |
136 Louisiana loans (1.6%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Orleans Parish: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved November 11, 2026. How this data is built · Orleans Parish CSV, all 25 lenders
What Orleans Parish's table can't show you: fit. Short-term financing is exempt from HMDA, so Orleans Parish's fix-and-flip and bridge lenders barely appear among its 149 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 several 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 Orleans Parish with published lender data
| County | Investor loans, 2025 | Lenders | Where it is from Orleans Parish |
|---|---|---|---|
| St. Tammany Parish, LA | 354 | 85 | Borders Orleans Parish |
| Jefferson Parish, LA | 651 | 113 | Borders Orleans Parish |
| Hancock County, MS | 134 | 64 | About 35 miles away |
| Lafourche Parish, LA | 111 | 25 | About 50 miles away |
Run the coverage test on your Orleans Parish, Louisiana deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Orleans 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 — Orleans Parish's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 149 lenders and 959 loans: 2025 HMDA loan-level data rolled up to Orleans Parish.
- Orleans Parish investor-lender dataset (CSV) — All 25 lenders in the Orleans Parish, Louisiana table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Orleans 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 — Orleans 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.