Loan costs · Louisiana

Mortgage closing costs in East Baton Rouge Parish, LA: what lenders charged in 2025

What lenders actually charged on home purchase loans, from the 2025 HMDA data.

Computed by Payotte from the FFIEC HMDA loan-level data for 2025 (read on 2026-10-19).

In short

On the 3,384 home purchase loans reported in East Baton Rouge Parish for 2025, the median "total loan costs" on the Closing Disclosure was $6,175, or 2.6% of the loan amount. Half the loans fell between $4,513 and $9,118. 52% of borrowers paid discount points (median $1,481), and 29% received lender credits. The median interest rate was 6.5%.

The figures

Loans analysed	3,384
Total loan costs, cheapest quarter (25th percentile)	$4,513
Total loan costs, median	$6,175
Total loan costs, most expensive quarter (75th percentile)	$9,118
Median total loan costs as a share of the loan	2.6%
Median origination charges	$1,691
Borrowers who paid discount points	52% (median $1,481)
Borrowers who received lender credits	29% (median $499)
Median interest rate	6.5%
Median loan amount	$255,000

Rank in Louisiana: 9 of 15 counties with at least 500 loans, from the highest median total loan costs. Points and credits medians are among the borrowers who paid or received them. Loan amounts in the public data are rounded to the middle of a $10,000 band.

By type of loan

Loan type	Loans	Median total loan costs	Middle half	Median rate
Conventional	1,865	$5,044	$4,117 to $6,583	6.625%
FHA	1,095	$9,115	$7,511 to $11,205	6.399%
VA	241	$4,722	$2,166 to $9,104	6.375%
USDA	183	$6,711	$5,641 to $8,873	6.375%

Loan types with at least 100 loans in the county.

What the data covers

Home purchase loans that were originated in 2025: first liens on a site-built single-family home (1 to 4 units) that is the borrower's principal residence, excluding reverse mortgages, lines of credit and business-purpose loans, with total loan costs reported. "Total loan costs" is the amount disclosed on the Closing Disclosure (Regulation C, 12 CFR 1003.4(a)(17); Regulation Z, 12 CFR 1026.38(f)(4)). Transfer taxes, recording fees, prepaid interest, insurance and escrow deposits are not part of it.

Questions

Is my Loan Estimate expensive for East Baton Rouge Parish?

Compare the total of Section D ("Total Loan Costs") on your Loan Estimate with what borrowers paid in 2025: $4,513 for the cheapest quarter of loans, $6,175 at the median and $9,118 for the most expensive quarter. Above $9,118, ask the lender why and compare other offers.

What is included in total loan costs?

Origination charges, services you cannot shop for and services you can shop for, as shown in Section D of the Loan Estimate and Closing Disclosure. Transfer taxes, recording fees, prepaid items and escrow are in other sections and are not included.

Do FHA or VA loans cost more in East Baton Rouge Parish?

Conventional: median $5,044 (1,865 loans); FHA: median $9,115 (1,095 loans); VA: median $4,722 (241 loans); USDA: median $6,711 (183 loans).

General information drawn from the official sources cited and dated on this page. It is not legal, tax or financial advice: for your own situation, ask a licensed professional.