Southern Heritage Bank
Southern Heritage Bank received 353 applications in 2025 and made 297 mortgages, in 20 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $105,000. Of 322 decisions, 25 were denials — 7.8%.
| Legal Entity Identifier | 549300684I276INJKK63 |
|---|---|
| Applications received | 353 |
| Mortgages made | 297 |
| Denied | 25 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 31 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: Southern Heritage Bank, 10 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 106 | Not published | $115,000 | 10.2% |
| Refinancing | 127 | Not published | $105,000 | 0.8% |
| Cash-out refinancing | 46 | Not published | $95,000 | 6.1% |
| Other purposes | 18 | Not published | $50,000 | 33.3% |
Where Southern Heritage Bank lends most
The 20 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Rapides Parish, LA | 162 | Not published | 4.7% |
| LaSalle Parish, LA | 67 | Not published | 9.5% |
| Catahoula Parish, LA | 17 | Not published | 15.0% |
| Grant Parish, LA | 17 | Not published | 5.6% |
| Natchitoches Parish, LA | 9 | Under 10 loans | 0.0% |
| Concordia Parish, LA | 6 | Under 10 loans | 14.3% |
| Caldwell Parish, LA | 4 | Under 10 loans | 42.9% |
| Avoyelles Parish, LA | 3 | Under 10 loans | 0.0% |
| Winn Parish, LA | 3 | Under 10 loans | 0.0% |
| Caddo Parish, LA | 2 | Under 10 loans | 0.0% |
| Allen Parish, LA | 1 | Under 10 loans | 50.0% |
| Beauregard Parish, LA | 1 | Under 10 loans | 0.0% |
| Lafayette Parish, LA | 1 | Under 10 loans | 0.0% |
| Ouachita Parish, LA | 1 | Under 10 loans | 0.0% |
| St. Landry Parish, LA | 1 | Under 10 loans | 0.0% |
| St. Tammany Parish, LA | 1 | Under 10 loans | 0.0% |
| Terrebonne Parish, LA | 1 | Under 10 loans | 0.0% |
| Calcasieu Parish, LA | 0 | Under 10 loans | Not published |
| Sabine Parish, LA | 0 | Under 10 loans | Not published |
| Vernon Parish, LA | 0 | Under 10 loans | 100.0% |
Get told when this changes
When Southern Heritage Bank’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.