Mortgage lending in Rapides Parish
1,943 mortgages were originated in Rapides Parish, Louisiana, in 2025.
30-year fixed, this week
6.71%
Freddie Mac's survey average for the week of September 3, 2026 — a year earlier it was 6.56%, and the past year ranged 5.98–6.71%. The figures below are from 2025 filings and do not move with the market. Rate history
- Loans originated
- 1,943
- Median rate
- 6.625%
- Median lender fees
- $5,203
The going rate is the federal "average prime offer rate" for a comparable loan; 0.5 means half a percentage point above it.
- Median loan amount
- $155,000
- Above the going rate (spread over APOR)
- 0.410
- Paid discount points
- 30.6%
- Received lender credits
- 19.5%
- Purchases / refinances
- 57.7% / 31.7%
- Conventional / FHA / VA
- 63.9% / 20.3% / 12.8%
Figures are medians of loans actually originated in 2025, as reported under the Home Mortgage Disclosure Act. They describe what borrowers received, not what you would be offered: HMDA contains no credit scores, so these numbers cannot be read as pricing for any individual. Lender fees are reported for 65.9% of loans here — see methodology.
Loan limits here in 2026
- Conforming limit
- $832,750
- FHA limit
- $541,287
- Median home price
- $148,000
- That home, 20% down
- $118,400
A median-priced home with 20% down leaves $714,350 of room under the conforming limit, so the ceiling rarely binds on an ordinary purchase.
Borrow more than $832,750 and the loan becomes jumbo — outside agency rules, priced by each lender on its own terms. How limits work
Median price is HUD's figure for the 2026 limit calculation, not a live market quote.
Who lent here
Lenders with at least 50 loans in Rapides Parish, ranked by volume.
| Lender | Loans | Median fees | Median rate |
|---|---|---|---|
| Red River Bank | 318 | $3,593 | 6.500% |
| Southern Heritage Bank | 162 | — | — |
| United Shore Financial Services, LLC | 123 | $8,205 | 6.248% |
| The Evangeline Bank & Trust Company | 111 | — | 7.500% |
| Rocket Mortgage, LLC | 99 | $5,829 | 6.500% |
| Primary Residential Mortgage, Inc. | 86 | $4,366 | 6.625% |
| Guild Mortgage Company | 83 | $7,668 | 6.440% |
| 254900K0IC4K6SI7H003 | 58 | — | — |
| Mortgage Research Center, LLC | 54 | $2,532 | 6.250% |
What lenders charged here
Lender fees on a $155,000 loan, based on what was actually charged in Rapides Parish — not a rule of thumb.
From 1,281 loans where fees were reported. This is what the lender charges — sections A and B of a Loan Estimate. Title, appraisal, taxes and the escrow deposit your lender collects up front for future tax and insurance bills are extra and not in these figures. Compare two offers