Mortgage Rates Louisiana (LA) for March 2026
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Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of lenders actively lending in Louisiana. Our editorial content is independent of any advertiser relationships.
Current 30-year fixed mortgage rates in Louisiana as of March 20, 2026 are as follows, according to verified data from MonitorBankRates: La Capitol Federal Credit UnionLa Capitol Federal Credit Union1004 N Oak St, Alexandria, LA, 70006 5324A5.0 ★Texas Ratio: 7.23% at 6.00%, Alive Credit UnionAlive Credit Union2739 W Church St, Hammond, LA, 70401A+5.0 ★Texas Ratio: 4.30% at 6.00%, Carter Federal Credit UnionCarter Federal Credit Union100 W Church St, Bossier City, LA, 71019D3.6 ★Texas Ratio: 31.89% at 6.25%, and Piney Hills Federal Federal Credit UnionPiney Hills Federal Federal Credit Union2735 Martha St, Simsboro, LA, 71275A5.0 ★Texas Ratio: 8.37% at 6.38%.
Mortgage rates in Louisiana (LA) are continually updated to reflect market conditions. Whether you are purchasing a home or refinancing, comparing current loan options across top-rated local lenders and national banks is critical. We empower borrowers with transparent financial health metrics — including A-F Safety Grades, verified Star Ratings, and Texas Ratios — so you can confidently choose a stable, highly-rated institution.
Mortgage Rates reflect actual verified offers from lenders actively lending to Louisiana borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Louisiana Mortgage Rate Trends
Compare local Louisiana mortgage rate quotes against the statewide average
Weekly mortgage rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
30-Year Fixed — LA Avg
6.322%
▲ 0.237 from last week
For buyers in Louisiana, the broader Louisiana 30-year fixed average mortgage rate rose 0.237 points this week to 6.322%, according to MonitorBankRates trend data.
15-Year Fixed — LA Avg
6.015%
▼ 1.756 from last week
For buyers in Louisiana, the broader Louisiana 15-year fixed average mortgage rate fell 1.756 points this week to 6.015%, according to MonitorBankRates trend data.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Mortgage Rates Today in Louisiana
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
1004 N Oak St, Alexandria, LA, 70006 5324
30 year fixed
30 year
6.00%
6.05%
▼
Rate6.00%
APR6.05%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
30 year fixed
30 year
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Conventional Fixed 30 year fixed
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
30 year fixed
30 year
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Conventional Fixed 30 year fixed
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
100 W Church St, Bossier City, LA, 71019
30 Year Fixed
6.25%
6.35%
▼
Rate6.25%
APR6.35%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Piney Hills Federal Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
2735 Martha St, Simsboro, LA, 71275
30 Year Fixed
6.38%
6.47%
▼
Rate6.38%
APR6.47%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
La Capitol Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.23%
1004 N Oak St, Alexandria, LA, 70006 5324
15 year fixed
15 year
5.25%
5.33%
▼
Rate5.25%
APR5.33%
Points0.000
UpdatedMar 20, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
15 year fixed
15 year
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Conventional Fixed 15 year fixed
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
15 year fixed
15 year
5.62%
5.80%
▼
Rate5.62%
APR5.80%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Conventional Fixed 15 year fixed
5.62%
5.80%
▼
Rate5.62%
APR5.80%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Piney Hills Federal Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
2735 Martha St, Simsboro, LA, 71275
15 Year Fixed
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
100 W Church St, Bossier City, LA, 71019
15 Year Fixed
5.75%
5.91%
▼
Rate5.75%
APR5.91%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Delta Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.49%
1617 Carter St, Bastrop, LA, 71220
15 year fixed rate loan
15
6.44%
6.54%
▼
Rate6.44%
APR6.54%
Points0.000
UpdatedMar 13, 2026
Details
No additional details available.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
100 Northpark Blvd # B1302A, Belle Chasse, LA, 70037
15-Year Fixed Rate
15-Year
8.17%
7.99%
▼
Rate8.17%
APR7.99%
Points0.000
UpdatedMar 18, 2026
Details
As Low As
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
5/5 ARM
5.25%
5.35%
▼
Rate5.25%
APR5.35%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Jumbo 5/5 ARM
5.25%
5.35%
▼
Rate5.25%
APR5.35%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
5/5 ARM
5.38%
5.48%
▼
Rate5.38%
APR5.48%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Jumbo 5/5 ARM
5.38%
5.48%
▼
Rate5.38%
APR5.48%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
7/6 ARM
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Jumbo 7/6 ARM
5.50%
5.61%
▼
Rate5.50%
APR5.61%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
7/6 ARM
5.62%
5.73%
▼
Rate5.62%
APR5.73%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Jumbo 7/6 ARM
5.62%
5.73%
▼
Rate5.62%
APR5.73%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Jumbo 10/1 ARM
5.75%
5.86%
▼
Rate5.75%
APR5.86%
Points0.250
UpdatedMar 17, 2026
Details
As Low As
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Jumbo 10/1 ARM
5.88%
5.98%
▼
Rate5.88%
APR5.98%
Points0.000
UpdatedMar 17, 2026
Details
As Low As
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
5/1 ARM
5.62%
6.14%
▼
Rate5.62%
APR6.14%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
Jumbo 5/1 ARM
5.75%
6.15%
▼
Rate5.75%
APR6.15%
Points0.000
UpdatedMar 15, 2026
Details
Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
3/1 ARM
5.50%
6.17%
▼
Rate5.50%
APR6.17%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
Jumbo 3/1 ARM
5.63%
6.21%
▼
Rate5.63%
APR6.21%
Points0.000
UpdatedMar 15, 2026
Details
Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
7/1 ARM
6.12%
6.27%
▼
Rate6.12%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.91%
4400 Sen J Bennett Johnston Ave, Lake Charles, LA, 70615 5157
Jumbo 7/1 ARM
6.13%
6.27%
▼
Rate6.13%
APR6.27%
Points0.000
UpdatedMar 15, 2026
Details
Margin: 2.50%; Percentage Caps†: 2/2/6; CMT Index: 3.975%
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Jumbo 15 year fixed
5.50%
5.68%
▼
Rate5.50%
APR5.68%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Jumbo 15 year fixed
5.62%
5.80%
▼
Rate5.62%
APR5.80%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Neighbors Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
10200 W Brookside Dr, Baton Rouge, LA, 70506
First Mortgage Purchase & Refinance Jumbo
30 year
5.75%
5.82%
▼
Rate5.75%
APR5.82%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Jumbo 20 year fixed
5.75%
5.89%
▼
Rate5.75%
APR5.89%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Jumbo 20 year fixed
5.88%
6.02%
▼
Rate5.88%
APR6.02%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
306 E Kaliste Saloom Rd, Lafayette, LA, 70503 5619
15 Yr Fixed Jumbo
5.88%
6.06%
▼
Rate5.88%
APR6.06%
Points0.730
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Jumbo 30 year fixed
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
306 E Kaliste Saloom Rd, Lafayette, LA, 70503 5619
30 Yr Fixed Jumbo
6.00%
6.12%
▼
Rate6.00%
APR6.12%
Points0.790
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
Jumbo 30 year fixed
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
FHA 30 year fixed
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
FHA 30 year fixed
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Piney Hills Federal Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
2735 Martha St, Simsboro, LA, 71275
FHA 30 Year
5.75%
6.35%
▼
Rate5.75%
APR6.35%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
100 W Church St, Bossier City, LA, 71019
FHA 30 Year
5.75%
6.35%
▼
Rate5.75%
APR6.35%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Source: Verified Mortgage Rate Data provided by MonitorBankRates
Lender
Product
Term
Rate
APR
Profile
Piney Hills Federal Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.37%
2735 Martha St, Simsboro, LA, 71275
VA 30 Year Fixed
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 15, 2026
Details
No additional details available.
Carter Federal Credit Union
Institution Rating:
D3.6 ★Texas Ratio: 31.89%
100 W Church St, Bossier City, LA, 71019
VA 30 Year Fixed
5.75%
5.98%
▼
Rate5.75%
APR5.98%
Points0.000
UpdatedMar 18, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
VA 30 year fixed
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
VA 30 year IRRRL
6.00%
6.11%
▼
Rate6.00%
APR6.11%
Points0.250
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
VA 30 year fixed
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
Alive Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.30%
2739 W Church St, Hammond, LA, 70401
VA 30 year IRRRL
6.12%
6.23%
▼
Rate6.12%
APR6.23%
Points0.000
UpdatedMar 17, 2026
Details
No additional details available.
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The mortgage rates displayed are verified and sourced directly from the official websites of the listed financial institutions. Your final approved rate will depend on your specific credit history, credit score, loan amount, and down payment.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Mortgage Calculators
Methodology & Data Sources
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Louisiana directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Louisiana. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in LA.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
Frequently Asked Questions about Mortgage Rates in Louisiana
How does my credit score affect my rate in Louisiana?
Your credit score is a major factor. Generally, borrowers in Louisiana with higher credit scores (760+) receive the lowest interest rates.
What is a 30-Year Fixed Mortgage?
A 30-year fixed-rate mortgage is a home loan where the interest rate remains the same for the entire 30-year term. It is the most popular type of mortgage in Louisiana because it offers lower monthly payments compared to shorter-term loans.
What are closing costs in Louisiana?
Closing costs are fees paid at the end of a real estate transaction, typically ranging from 2% to 5% of the loan amount. In Louisiana, these may include appraisal fees, title insurance, and recording fees.
Should I lock my mortgage rate?
If you are satisfied with the current rate and worried rates might rise before closing on your home in Louisiana, locking your rate is a good idea. It guarantees your rate for a specific period.
What is an Adjustable-Rate Mortgage (ARM)?
An ARM has an interest rate that can change over time. It usually starts with a lower fixed rate for a period (e.g., 5 years) before adjusting annually based on market indices.
What is a Jumbo Loan in Louisiana?
A Jumbo Loan exceeds the conforming loan limits set by the FHFA. In high-cost areas of Louisiana, these limits are higher. These loans typically require stronger credit and larger down payments.
Do I need 20% down to buy a house in Louisiana?
No. While 20% avoids Private Mortgage Insurance (PMI), many lenders in Louisiana offer loans with as little as 3% or 3.5% down (FHA). VA loans may require no down payment.
What is the difference between Interest Rate and APR?
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus other costs like points and fees, giving a truer cost of the loan.
How do I find the best lender in Louisiana?
Compare rates from multiple sources including local banks, credit unions, and online lenders using the tables on this page to find the best offer for your situation.
What are the best Mortgage rates in Louisiana?
- La Capitol Federal Credit Union: 6.00% (30 year fixed)
- Alive Credit Union: 6.00% (30 year fixed)
- Carter Federal Credit Union: 6.25% (30 Year Fixed)
- Piney Hills Federal Federal Credit Union: 6.38% (30 Year Fixed)
Mortgage Rates reflect actual verified offers from lenders actively lending to Louisiana borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: March 20, 2026
Mortgage Rates by City in Louisiana
