Multifamily & Apartment Financing in Louisiana

Commercial Loan Direct (CLD) provides apartment loans in Louisiana. Current apartment loan rates in Louisiana range from 4.93% to 12.95%, depending on the loan program.

Louisiana Apartment Loan Rates

Loan Types Rates LTV Loan Amount
Fannie Mae 5.66% - 6.46% 80% $700,000+
Freddie Mac 5.96% - 9.43% 80% $1,000,000+
FHA 4.84% - 6.19% 83.3% $5,000,000+
Conduit / CMBS 5.81% - 7.74% 75% $2,000,000+
Insurance 5.31% - 8.59% 75% $5,000,000+
USDA 6.2% - 8.95% 85% $1,000,000+
Bridge 5.95% - 12.95% 80% $1,500,000+
Construction 5.7% - 8.95% 83.3% $1,000,000+
Conventional 4.93% - 8.95% 80.0% $1,000,000+

For more in-depth multifamily interest rates, please visit our Apartment Loan Rates page.

Note: The commercial mortgage rates displayed in this website should be used as a guideline and do not represent a commitment to lend. Commercial Loan Direct and CLD Financial, LLC are not liable for any commercial mortgage interest rate or data entry errors that might affect the displayed commercial loan rates. Commercial loan rates may change at any time and without notice.

Additional Multifamily Types

Additional Multifamily Mortgages

Locations Served in Louisiana

We are proud to be serving the state of Louisiana. Here are our commercial loan statistics for this state.

Louisiana Cities and Towns Served

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The 2026 environment in Louisiana is characterized by tax modernization and a renewed focus on resilient construction. Following the permanent implementation of the One Big Beautiful Bill at the federal level, Louisiana has aggressively moved to use the new 25% bond financing threshold to stretch its Private Activity Bond volume cap further than in previous years.

State Agency Programs and the 2025-2026 QAP

The LHC serves as the central hub for multifamily capital. The 2025-2026 Qualified Allocation Plan (QAP) includes specific mandates for long-term compliance and reporting that take full effect in February 2026.

  • Low-Income Housing Tax Credits (LIHTC): For 2026, LHC is overseeing an unprecedented volume of credits. A critical update for owners: documents and fees for the 2025 tax year are due by February 15, 2026, utilizing the new NextGen-WCMS portal for all compliance submissions.
  • PRIME-4 Program: A $20 million initiative using CDBG-DR funds specifically for the new construction of multifamily affordable housing. These funds are paired with 4% LIHTC and LHC Tax-Exempt Bonds, targeting parishes most impacted by recent hurricanes and floods.
  • Multifamily Revenue Bonds: With the federal reduction of the bond test from 50% to 25%, LHC is able to support a broader pool of developments. This is particularly vital for rehabilitation projects in New Orleans and Baton Rouge that previously struggled to meet the higher bond threshold.
  • Keys for Service Program: A partnership initiative active in 2026 that helps city workers and first responders access housing in the communities they serve, often integrated into larger mixed-income multifamily developments.

Taxation Shifts and Economic Incentives

2026 marks a milestone for how multifamily owners and developers structure their business entities in Louisiana.

  • S-Corp Pass-Through Alignment: Effective January 1, 2026, Louisiana now treats S-Corps as pass-through entities for state tax purposes. This eliminates the need for special elections and aligns the state with federal treatment, simplifying the tax burden for many private developers.
  • Franchise Tax Repeal: Along with the S-Corp shift, the Louisiana Franchise Tax has been repealed for S-Corps starting in 2026, significantly reducing the annual carrying costs for multifamily holding companies.
  • Opportunity Zones 2.0: Louisiana’s 150 active census tracts remain a priority. New rules beginning July 1, 2026, will initiate the determination period for "OZ 2.0" areas, with a focus on affordable housing and mixed-use redevelopment in rural and urban LICs (Low Income Communities).

2026 Market Trends and Regional Outlook

Louisiana’s market is seeing a "normalization" trend with steady demand in urban redevelopments.

  • Urban Revitalization: Major projects in New Orleans, such as the $166 million redevelopment of the blighted Naval base in Bywater and the $250 million conversion of Plaza Tower into senior housing, are headlining the 2026 pipeline.
  • Interest Rate and Mortgage Stability: Mortgage rates for multifamily acquisitions are expected to remain in the mid-6% range through 2026. While higher than historic lows, this consistency allows for more reliable long-term budgeting for sponsors.
  • Insurance and Property Tax Pressure: While property values are stable, homeowners and multifamily owners in Orleans and Jefferson parishes are seeing slight upticks in tax rates due to voter-approved renewals. Lenders are closely monitoring these "bottom-line" costs in their 2026 DSCR (Debt Service Coverage Ratio) underwriting.

Lending Cities

Commercial loan direct provides services in the following Louisiana cities. Please note we may be able to provide services in other cities as well by request. Rates are dependent on the market in your locale, feel free to use the provided Louisiana economic reports to get a better understanding of your market.

  • Abbeville
  • Abita Springs
  • Acadia Parish
  • Addis
  • Albany
  • Alexandria
  • Allen Parish
  • Ama
  • Amelia
  • Amite
  • Arabi
  • Arcadia
  • Arnaudville
  • Ascension Parish
  • Assumption Parish
  • Avondale
  • Avoyelles Parish
  • Baker
  • Baldwin
  • Ball
  • Banks Springs
  • Barataria
  • Basile
  • Bastrop
  • Baton Rouge
  • Bawcomville
  • Bayou Cane
  • Bayou Gauche
  • Bayou Vista
  • Beauregard Parish
  • Belle Chasse
  • Belle Rose
  • Benton
  • Bernice
  • Berwick
  • Bienville Parish
  • Blanchard
  • Bogalusa
  • Bossier City
  • Bossier Parish
  • Bourg
  • Boutte
  • Breaux Bridge
  • Bridge City
  • Broussard
  • Brownsfield
  • Brownsville
  • Brusly
  • Bunkie
  • Caddo Parish
  • Cade
  • Calcasieu Parish
  • Caldwell Parish
  • Cameron
  • Cameron Parish
  • Campti
  • Carencro
  • Carlyss
  • Carville
  • Catahoula
  • Catahoula Parish
  • Cecilia
  • Central
  • Chackbay
  • Chalmette
  • Charenton
  • Chauvin
  • Church Point
  • Claiborne
  • Claiborne Parish
  • Clarks
  • Clinton
  • Colfax
  • Columbia
  • Concordia Parish
  • Convent
  • Cottonport
  • Coushatta
  • Covington
  • Crowley
  • Cullen
  • Cut Off
  • De Soto Parish
  • Delcambre
  • Delhi
  • Denham Springs
  • DeQuincy
  • DeRidder
  • Des Allemands
  • Destrehan
  • Deville
  • Donaldsonville
  • Dulac
  • Duson
  • East Baton Rouge Parish
  • East Carroll Parish
  • East Feliciana Parish
  • Eastwood
  • Eden Isle
  • Edgard
  • Elmwood
  • Elton
  • Erath
  • Erwinville
  • Estelle
  • Eunice
  • Evangeline Parish
  • Farmerville
  • Ferriday
  • Fort Polk North
  • Fort Polk South
  • Franklin
  • Franklin Parish
  • Franklinton
  • French Settlement
  • Galliano
  • Gardere
  • Garyville
  • Glenmora
  • Golden Meadow
  • Gonzales
  • Grambling
  • Gramercy
  • Grand Isle
  • Grand Point
  • Grant Parish
  • Gray
  • Greensburg
  • Greenwood
  • Gretna
  • Gueydan
  • Hackberry
  • Hahnville
  • Hammond
  • Harahan
  • Harrisonburg
  • Harvey
  • Haughton
  • Haynesville
  • Henderson
  • Homer
  • Houma
  • Iberia Parish
  • Iberville Parish
  • Independence
  • Inniswold
  • Iota
  • Iowa
  • Jackson
  • Jackson Parish
  • Jean Lafitte
  • Jeanerette
  • Jefferson
  • Jefferson Davis Parish
  • Jefferson Parish
  • Jena
  • Jennings
  • Jonesboro
  • Jonesville
  • Kaplan
  • Kenner
  • Kentwood
  • Killian
  • Kinder
  • Krotz Springs
  • La Salle Parish
  • Labadieville
  • Lacombe
  • Lafayette
  • Lafayette Parish
  • Lafourche Parish
  • Lake Arthur
  • Lake Charles
  • Lake Providence
  • Lakeshore
  • Laplace
  • Larose
  • Lawtell
  • Lecompte
  • Leesville
  • Leonville
  • Lincoln Parish
  • Livingston
  • Livingston Parish
  • Livonia
  • Lockport
  • Lockport Heights
  • Logansport
  • Luling
  • Lutcher
  • Madison Parish
  • Mamou
  • Mandeville
  • Mansfield
  • Mansura
  • Many
  • Maringouin
  • Marksville
  • Marrero
  • Mathews
  • Maurice
  • Melville
  • Meraux
  • Merrydale
  • Merryville
  • Metairie
  • Metairie Terrace
  • Midway
  • Milton
  • Minden
  • Minorca
  • Monroe
  • Montegut
  • Monticello
  • Montz
  • Morehouse Parish
  • Morgan City
  • Moss Bluff
  • Napoleonville
  • Natalbany
  • Natchitoches
  • Natchitoches Parish
  • New Iberia
  • New Llano
  • New Orleans
  • New Roads
  • New Sarpy
  • Newellton
  • Norco
  • North Vacherie
  • Oak Grove
  • Oak Hills Place
  • Oakdale
  • Oberlin
  • Old Jefferson
  • Olla
  • Opelousas
  • Orleans Parish
  • Ossun
  • Ouachita Parish
  • Paradis
  • Patterson
  • Paulina
  • Pearl River
  • Pierre Part
  • Pine Prairie
  • Pineville
  • Plaquemine
  • Plaquemines Parish
  • Pointe Coupee Parish
  • Ponchatoula
  • Port Allen
  • Port Barre
  • Port Sulphur
  • Poydras
  • Prairieville
  • Presquille
  • Prien
  • Raceland
  • Rapides Parish
  • Rayne
  • Rayville
  • Red Chute
  • Red River Parish
  • Reserve
  • Richland Parish
  • Richwood
  • Ringgold
  • River Ridge
  • Roseland
  • Rosepine
  • Ruston
  • Sabine Parish
  • Saint Bernard Parish
  • Saint Charles Parish
  • Saint Francisville
  • Saint Gabriel
  • Saint Helena Parish
  • Saint James Parish
  • Saint John the Baptist Parish
  • Saint Joseph
  • Saint Landry Parish
  • Saint Martin Parish
  • Saint Martinville
  • Saint Mary Parish
  • Saint Rose
  • Saint Tammany Parish
  • Schriever
  • Scott
  • Shenandoah
  • Shreveport
  • Sibley
  • Simmesport
  • Slidell
  • Sorrento
  • South Vacherie
  • Springhill
  • Sterlington
  • Stonewall
  • Sulphur
  • Sunset
  • Supreme
  • Swartz
  • Tallulah
  • Tangipahoa Parish
  • Tensas Parish
  • Terrebonne Parish
  • Terrytown
  • Thibodaux
  • Timberlane
  • Union Parish
  • Urania
  • Vermilion Parish
  • Vernon Parish
  • Vidalia
  • Vienna Bend
  • Village Saint George
  • Ville Platte
  • Vinton
  • Violet
  • Vivian
  • Waggaman
  • Walker
  • Washington Parish
  • Watson
  • Webster Parish
  • Welsh
  • West Baton Rouge Parish
  • West Carroll Parish
  • West Feliciana Parish
  • West Ferriday
  • West Monroe
  • Westlake
  • Westminster
  • Westwego
  • White Castle
  • Winn Parish
  • Winnfield
  • Winnsboro
  • Woodmere
  • Woodworth
  • Youngsville
  • Zachary
  • Zwolle

Commercial Loan FAQs in Louisiana

Multifamily interest rates in Louisiana vary based on loan type, property type, loan-to-value, debt service coverage ratio, borrower strength, and market conditions. They range from approximately 4.93% to 12.95%.

Borrowers in Louisiana can access Conventional, CMBS/Conduit, Insurance, FHA/HUD, USDA, Bridge, Construction, and SBA financing based on property type, leverage, and occupancy.

Multifamily loan rates in Louisiana depend on loan type, property cash flow, debt service coverage ratio, loan-to-value, borrower strength, and market conditions.

Yes. Owner-occupied financing is available in Louisiana, including Conventional, Insurance, SBA, USDA, and selected agency programs when eligibility requirements are met.

Yes. Refinance options in Louisiana include rate-and-term and cash-out structures, subject to underwriting, property performance, and lender program guidelines.

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