East Feliciana Parish, LA: mortgages, home buyers & loan limits
What buyers in East Feliciana Parish actually borrowed, earned and paid in 2025, from the official Home Mortgage Disclosure Act records — plus the 2026 conforming and FHA loan limits.
HMDA 2025 data released June 23, 2026 · Loan limits for calendar year 2026
In 2025, lenders reported 80 home-purchase mortgages for owner-occupied, single-family homes in East Feliciana Parish, LA. The median buyer borrowed $225,000 on a home valued at $255,000 and reported a household income of $104,000.
Buyers financed a median 95% of the home's value (roughly 5% down), paid a median 6.562% on 30-year fixed conventional loans and faced median conventional loan costs of $4,920.
Lenders denied 7.9% of completed home-purchase applications.
Key facts about East Feliciana Parish mortgages
- Home buyers' median income ($104,000) is 11% higher than the Louisiana median ($94,000).
- The median 30-year fixed conventional rate here was 6 basis points below the U.S. median (6.625%).
- Median conventional loan costs ($4,920) were 12% lower than the U.S. median ($5,570).
- FHA loans made up 28.7% of purchase mortgages, versus 21.1% nationally.
- USDA rural loans financed 10.0% of purchases.
- 30.0% of single-family purchase mortgages financed manufactured homes.
- The most common age bracket among borrowers was 25–34 (27.5% of purchase loans).
- 55.0% of purchase mortgages had a single borrower with no co-applicant.
2026 loan limits in East Feliciana Parish
| Property | Conforming 2026 | vs 2025 | FHA 2026 | vs 2025 |
|---|---|---|---|---|
| 1 unit | $832,750 | +$26,250 | $541,287 | +$17,062 |
| 2 units | $1,066,250 | +$33,600 | $693,050 | +$21,850 |
| 3 units | $1,288,800 | +$40,650 | $837,700 | +$26,425 |
| 4 units | $1,601,750 | +$50,500 | $1,041,125 | +$32,825 |
2026 limits for East Feliciana Parish, LA: conforming (Fannie Mae / Freddie Mac) from FHFA; FHA forward-mortgage limits from HUD. FHA limit is at the national floor for low-cost areas. Loans above the conforming limit are "jumbo" loans.
All Louisiana counties: Louisiana 2026 loan limits. FHFA and HUD normally announce the next year's limits in late November.
Who bought homes in East Feliciana Parish
Home-purchase mortgages for owner-occupied, single-family (1–4 unit) site-built homes, first liens, originated in 2025.
Values are medians; "middle half" is the 25th to 75th percentile.
Loan type
What the homes were for
All first-lien, closed-end purchase mortgages, including second homes and investors.
Borrower age
Debt-to-income ratio
Monthly debts (including the new payment) as a share of income, as used in underwriting.
What borrowing cost in East Feliciana Parish
Medians for 2025 home-purchase loans. Total loan costs are section D of the Loan Estimate/Closing Disclosure (lender and third-party loan charges, excluding taxes, prepaids and escrow). FHA and VA costs include the upfront mortgage insurance premium or VA funding fee, so compare like with like.
| Measure | East Feliciana Parish | Louisiana | U.S. |
|---|---|---|---|
| 30-year fixed rate · conventional | 6.562% | 6.625% | 6.625% |
| 30-year fixed rate · FHA | — | 6.250% | 6.250% |
| 30-year fixed rate · VA | — | 6.250% | 6.125% |
| 15-year fixed rate · conventional | — | 5.875% | 5.875% |
| Rate spread vs. APOR · conventional | +0.16 pts | +0.19 pts | +0.13 pts |
| Total loan costs · conventional | $4,920 | $4,900 | $5,570 |
| Total loan costs · FHA | — | $8,570 | $11,310 |
| Total loan costs · VA | — | $5,000 | $6,490 |
| Origination charges (all loan types) | $1,610 | $1,600 | $1,860 |
| Borrowers paying discount points | 51.3% | 49.4% | 51.3% |
| Points paid, when paid (% of loan) | 0.49% | 0.62% | 0.87% |
| Borrowers receiving lender credits | 26.3% | 27.7% | 33.1% |
| Adjustable-rate mortgages | 1.3% | 2.4% | 7.4% |
| Jumbo loans (above conforming limit) | 0.0% | 1.2% | 3.8% |
Medians are shown only when at least 30 loans report the field. Rates are those reported at closing; market rates changed during 2025, which the rate spread (APR minus the average prime offer rate on the lock date) adjusts for.
Approvals and denials
East Feliciana Parish: 7 of 89 completed home-purchase applications were denied (7.9%).
Denial rate
| Application | East Feliciana Parish | Louisiana | U.S. |
|---|---|---|---|
| Home purchase | 7.9% | 10.2% | 8.5% |
| Conventional | 9.6% | 8.1% | 7.1% |
| FHA | — | 13.5% | 12.5% |
| VA | — | 9.4% | 8.0% |
| USDA | — | 10.0% | 12.5% |
| Refinance | 11.5% | 17.9% | 17.9% |
| Cash-out refinance | 46.9% | 46.9% | 33.6% |
Denial rate = denied ÷ (originated + approved but not accepted + denied). Withdrawn and incomplete applications are excluded. Differences between places reflect who applies, not only lender behavior.
Refinancing in East Feliciana Parish
Top mortgage lenders in East Feliciana Parish
52 lenders originated at least one home-purchase or refinance loan here in 2025. The table ranks them by loan count; pricing columns compare conventional purchase loans only.
| # | Lender | Loans | Share | Denial rate | 30-yr rate* | Spread* | Costs* |
|---|---|---|---|---|---|---|---|
| 1 | GMFS LLC | 14 | 10.0% | — | — | — | — |
| 2 | First Community Mortgage, Inc. | 14 | 10.0% | — | — | — | — |
| 3 | Hancock Whitney Bank | 9 | 6.4% | — | — | — | — |
| 4 | Synergy One Lending, Inc. | 8 | 5.7% | — | — | — | — |
| 5 | Rocket Mortgage, LLC | 8 | 5.7% | — | — | — | — |
| 6 | United Wholesale Mortgage (UWM) | 8 | 5.7% | — | — | — | — |
| 7 | Landmark Bank | 8 | 5.7% | — | — | — | — |
| 8 | Assurance Financial Group, L.L.C. | 7 | 5.0% | — | — | — | — |
| 9 | Ark-La-Tex Financial Services, LLC. | 5 | 3.6% | — | — | — | — |
| 10 | Veterans United Home Loans | 5 | 3.6% | — | — | — | — |
| 11 | Freedom Mortgage Corporation | 4 | 2.9% | — | — | — | — |
| 12 | Efcu Financial | 4 | 2.9% | — | — | — | — |
| 13 | The Mortgage Firm, Inc. | 2 | 1.4% | — | — | — | — |
| 14 | Gulf Coast Bank and Trust Company | 2 | 1.4% | — | — | — | — |
| 15 | Movement Mortgage, LLC | 2 | 1.4% | — | — | — | — |
| 16 | Equity Prime Mortgage LLC | 2 | 1.4% | — | — | — | — |
| 17 | Mr. Cooper | 2 | 1.4% | — | — | — | — |
| 18 | Guaranty Bank and Trust Company | 2 | 1.4% | — | — | — | — |
| 19 | NBKC Bank | 1 | 0.7% | — | — | — | — |
| 20 | Pelican State Credit Union | 1 | 0.7% | — | — | — | — |
| 21 | Concordia Bank & Trust Company | 1 | 0.7% | — | — | — | — |
| 22 | The Loan Store, Inc. | 1 | 0.7% | — | — | — | — |
| 23 | Bank of Zachary | 1 | 0.7% | — | — | — | — |
| 24 | Network Funding, L.P. | 1 | 0.7% | — | — | — | — |
| 25 | Baton Rouge Telco | 1 | 0.7% | — | — | — | — |
Lenders in East Feliciana Parish, LA. Loans = home-purchase, refinance and cash-out originations (2025); share = share of those loans here; denial rate = home-purchase applications. *Medians for conventional home-purchase loans, shown with at least 20 loans; spread = APR minus the average prime offer rate at rate lock (percentage points); costs = total loan costs (section D).
Check a quote for East Feliciana Parish
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Compare your origination charges and total loan costs with 2025 loans of the same type and size in Louisiana and East Feliciana Parish.
Monthly payment calculator
Principal, interest, property tax (0.15% typical effective rate here) and insurance, with East Feliciana Parish defaults.
Typical effective property-tax rate 0.15% = median real estate taxes ÷ median home value, U.S. Census Bureau ACS 2020–2024 5-year estimates.
Nearby counties
| County | Distance | Purchase loans | Median loan | Buyer income | Conforming limit | FHA limit |
|---|---|---|---|---|---|---|
| St. Helena Parish, LA | 20 mi | 26 | — | — | $832,750 | $541,287 |
| East Baton Rouge Parish, LA | 21 mi | 3,511 | $255,000 | $96,000 | $832,750 | $541,287 |
| West Feliciana Parish, LA | 23 mi | 79 | $315,000 | $142,000 | $832,750 | $541,287 |
| Wilkinson County, MS | 28 mi | 10 | — | — | $832,750 | $541,287 |
| Amite County, MS | 29 mi | 35 | $255,000 | $109,000 | $832,750 | $541,287 |
| West Baton Rouge Parish, LA | 30 mi | 252 | $245,000 | $93,000 | $832,750 | $541,287 |
Frequently asked questions
What is the 2026 conforming loan limit in East Feliciana Parish?
$832,750 for a one-unit home (FHFA). Two- to four-unit limits are $1,066,250, $1,288,800, $1,601,750. Loans above the limit are jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac.
What is the 2026 FHA loan limit in East Feliciana Parish?
$541,287 for a one-unit home (HUD). This is the national floor for low-cost areas.
How much do home buyers in East Feliciana Parish earn?
The median household income reported on 2025 home-purchase mortgages was $104,000; the middle half of buyers reported $70,000 to $143,000.
What mortgage rate did buyers in East Feliciana Parish get in 2025?
The median rate on 30-year fixed conventional purchase loans was 6.562%. These are rates locked during 2025; check today's rates with several lenders.
How often are mortgage applications denied in East Feliciana Parish?
7.9% of completed home-purchase applications were denied in 2025.
Sources: FFIEC/CFPB HMDA 2025 public loan/application register (Snapshot as of June 1, 2026); FHFA 2026 conforming loan limits; HUD 2026 FHA forward-mortgage limits; U.S. Census Bureau. Figures describe typical 2025 loans, not your offer. Methodology