Louisiana · Q1 2026
What Louisiana borrowers paid in mortgage closing costs in 2025, drawn from FFIEC HMDA filings across 406 lenders.
Published 2026-04-29.
Louisiana · headline
The gap between Louisiana's lowest- and highest-cost ranked lenders in 2025 was $4,379 on a typical loan — borrowers using United Wholesale Mortgage paid roughly 127% more than borrowers using Mortgage Research Center, LLC on similar loans.
Source: FFIEC HMDA 2025 (n=46,964)
In 2025, 406 mortgage lenders originated 46,964 reportable loans in Louisiana according to FFIEC HMDA data. The median borrower paid $6,023 in total loan costs. That is 42.0% above the national median across all 50 states and DC.
Louisiana's median total loan cost was $6,023, 42.0% above the national median of $4,242. On a typical loan, that translates to roughly $1,781 more than borrowers paid in the average state.
Mortgage Research Center, LLC posted the lowest median total loan costs at $3,439, 42.9% below the Louisiana median. Across the ranked lenders, 7 earned an A grade against peer averages and 1 fell to D or F.
Lower bars = lower median total loan costs. Hover (or tap) bars for sample size and grade. Bar color groups lenders into cost quartiles.
Lenders below 30 records in Louisiana are excluded from this ranking. See full methodology.
Same 10 lenders as the chart above, ranked here by 2025 HMDA loan count.
| # | Lender | Median total cost | Median origination | Reports | Grade |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | $7,818 | $3,009 | 4,132 | D |
| 2 | Rocket Mortgage | $5,565 | $3,027 | 3,671 | A |
| 3 | GMFS LLC | $4,608 | $1,966 | 1,893 | A |
| 4 | DSLD Mortgage, LLC | $4,219 | $1,395 | 1,877 | A |
| 5 | Eustis Mortgage Corporation | $7,139 | $2,047 | 1,290 | C |
| 6 | Assurance Financial Group, L.L.C. | $6,325 | $1,849 | 1,232 | B |
| 7 | Movement Mortgage | $6,469 | $1,874 | 1,169 | B |
| 8 | Fidelity Bank | $6,932 | $2,195 | 1,109 | C |
| 9 | Mortgage Research Center, LLC | $3,439 | $2,289 | 1,090 | A |
| 10 | Hancock Whitney Bank | $5,142 | $1,777 | 1,059 | A |
Louisiana median total loan cost
Louisiana borrowers paid a median $6,023 in total loan costs in 2025, based on 46,964 HMDA-reported loans across 406 lenders.
FFIEC HMDA 2025
Lender spread in Louisiana
In Louisiana, the gap between Mortgage Research Center, LLC ($3,439 median) and United Wholesale Mortgage ($7,818 median) was $4,379 on a typical 2025 loan.
FFIEC HMDA 2025
Louisiana vs. national
Louisiana closing costs ran 42.0% above the national median ($4,242) in 2025.
FFIEC HMDA 2025
The median origination charge in Louisiana was $2,122, with the typical lender clustering tightly around that figure. Discount points appeared on 55% of loans, with a median paid amount of $1,790 when present — meaningful enough that shoppers should ask whether quoted points actually buy down their rate cost-effectively. Lender credits offsetting closing costs were issued on 30% of loans, with a median credit of $369.
Avg $3,315
Median $1,790 when present
Median $369 when issued
HMDA itemizes origination, discount points, and lender credits. Title insurance, recording fees, and transfer tax (relevant in Louisiana) are not separately reported in HMDA — see our state benchmark page for those. See full methodology.
Related pages for Louisiana
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