Parish Lending

What Parish Lending does

Parish Lending, LLC is a privately held, Louisiana-based mortgage brokerage founded in 2019 by Erica Scalise Roberts and headquartered in Baton Rouge (NMLS #1902562, licensed only in the State of LA). The firm operates as a wholesale broker, accessing multiple lenders through a single application and presenting options side-by-side to borrowers rather than originating as a single-lender institution. Its offering spans purchase and refinance mortgages across Conventional, FHA, VA, USDA/Rural Development, Jumbo, Manufactured, and Renovation programs, plus non-QM and niche products such as Bank Statement loans for self-employed borrowers, DSCR investor loans, the Family Opportunity Mortgage for elderly parents, and College Student Housing financing.

The company's underlying technology stack is third-party rather than proprietary: LendingPad powers the online pre-approval and document-upload portal, Squarespace hosts the marketing site and blog, and Calendly handles consultation scheduling. "Under a minute" pre-approval refers to application UX rather than AI underwriting, and no AI/ML capabilities are disclosed.

Parish Lending earns revenue through wholesale broker origination compensation paid by lenders, set as a flat percentage of loan amount (typically 1%–2.75% in the Louisiana broker market), disclosed upfront on Loan Estimates per Louisiana regulation. The company targets Louisiana residential homebuyers and homeowners with stated specialization in self-employed and complex-income borrowers, real estate investors, and first-time buyers, and pursues a direct-to-consumer, founder-led GTM built on local expertise, content marketing, and client referrals rather than paid advertising. The firm is bootstrapped with 1–10 employees and no institutional or external funding disclosed.

Name

Parish Lending

Legal name

Parish Lending, LLC

Website

https://parishlending.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Short description

Parish Lending is a privately held, Louisiana-only mortgage broker founded in 2019, shopping multiple wholesale lenders on behalf of residential homebuyers, self-employed borrowers, and real estate investors under founder Erica Scalise Roberts.

Ownership category

akta.pro rank

Product category

Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)

akta.pro secondary industries

Wholesale Mortgage Lending (Broker Channel) (FSALACAA), Commercial Mortgage Brokerage (FSAEAEAB)

Keywords

• Mortgage brokerage
• Residential lending
• Home loan services
• Loan origination
• Refinance services

Headquarters

HQ city

Baton Rouge

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Mortgage Origination Fees: Parish Lending earns origination compensation paid by lenders (wholesale broker model). Compensation is set as a flat percentage of the loan amount in basis points (typically 1%–2.75% of the loan amount in the Louisiana mortgage broker market). The percentage does not change based on interest rate or loan program chosen (FHA, VA, Conventional, USDA, etc.). This is disclosed upfront on the Loan Estimate per Louisiana compensation regulations.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Parish Lending is a Louisiana-based mortgage broker that shops multiple wholesale lenders on behalf of borrowers through a single application. The company originates purchase and refinance mortgage loans across conventional, government-backed (FHA, VA, USDA), and specialty programs (Jumbo, Bank Statement, DSCR Investor, Manufactured, Renovation, College Student Housing, and Older Family Member Housing) for individual consumers, self-employed borrowers, and real estate investors across Louisiana.

Product overview

Parish Lending operates as a Louisiana-based mortgage broker offering a comprehensive suite of mortgage products and financial tools. The core offering consists of purchase and refinance loan programs including Conventional, FHA, VA, USDA/Rural Development, Manufactured Homes, Jumbo, Renovation, and specialized programs for College Student Housing, Older Family Member Housing (Family Opportunity Mortgage), Bank Statement Loans, and First-Time Homebuyers. For investors, they offer Investment 30-Year Fixed and DSCR (Debt Service Coverage Ratio) loans. Supporting the loan products are interactive financial tools including Mortgage Payment Calculator, Mortgage Payoff Calculator, and Mortgage Affordability Calculator. As a mortgage broker, Parish Lending differentiates by shopping multiple lenders to find competitive rates and offering personalized local Louisiana expertise through founder Erica Scalise Roberts.

Differentiator

Problem solved

Functional benefit

Products and services

• Purchase Loans Home purchase mortgage financing for buyers looking to purchase residential property, covering primary residences, second homes, and investment properties. For Louisiana consumers.
• Refinance Loans Mortgage refinancing options including rate-and-term refinances and cash-out refinances to help homeowners lower payments, change loan terms, or access equity.
• Conventional Loans Standard conforming mortgages through Fannie Mae/Freddie Mac with competitive rates, available with down payments as low as 3% for eligible first-time buyers. PMI applies with less than 20% equity.
• FHA Loans Federal Housing Administration insured mortgages with flexible credit requirements, offering 3.5% down payment minimum with credit score 580+ (down to 500 with 10% down). Includes Mortgage Insurance Premium (MIP).
• VA Loans Veterans Affairs backed mortgages for eligible veterans and service members, featuring $0 down payment, no monthly mortgage insurance, and a one-time funding fee (regular: 2.15% of loan amount; subsequent use: 3.3%).
• USDA/Rural Development Loans Zero down payment mortgages for homes in eligible rural areas, with income limits, an upfront guarantee fee, and an annual fee.
• Manufactured Home Loans Financing options for manufactured homes, including title II manufactured homes meeting FHA requirements.
• Jumbo Loans Mortgages exceeding conforming loan limits for higher-value properties, requiring different qualification criteria.
• Renovation Loans FHA 203(k) renovation mortgages allowing buyers to finance both purchase and renovation costs into a single loan.
• College Student Housing Loans Specialized financing for properties near college campuses, designed for student housing investment purposes.
• Older Family Member Housing Loans Family Opportunity Mortgage program allowing adult children to purchase homes for elderly parents or disabled adult family members using primary residence financing terms.
• Bank Statement Loans Non-QM financing option for self-employed borrowers, qualifying based on 12-24 months of bank deposits rather than tax returns.
• First Time Homebuyer Programs Education, guidance, and loan options specifically designed for first-time homebuyers including lower down payments and easier qualification.
• Investment 30-Yr Fixed Loans Long-term fixed-rate financing for rental property investors, covering single-family rentals to multi-unit portfolios.
• DSCR Investor Loans Debt Service Coverage Ratio loans for real estate investors, qualifying based on property rental income vs. mortgage payment rather than personal tax returns.

Quantifiable outcome

• Pre-approval completed in under a minute
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Movement Mortgage: Retail mortgage lender with a community-focused, relationship-driven brand and broad product set including Conventional, FHA, VA, USDA, and non-QM. Comparable to Parish Lending in its emphasis on local-market expertise and personal service model.
• CrossCountry Mortgage: Retail and wholesale mortgage lender offering conventional, FHA, VA, USDA, and non-QM products across the U.S. Operates a similar broker/retail hybrid model with comparable product suite to Parish Lending.
• Cardinal Financial Company: Wholesale and retail mortgage lender focused on broker channel partnerships with broad product offering including non-QM. Direct comparable in business model as a wholesale-broker-focused lender that brokers like Parish Lending rely on.
• Guild Mortgage: Retail and wholesale mortgage lender offering a comprehensive suite of products including niche programs for self-employed and government loans. Comparable to Parish Lending in product breadth and focus on specialized borrower segments.
• Angel Oak Mortgage Solutions: Non-QM mortgage lender specializing in bank statement, DSCR, and investor loan products. Direct comparable to Parish Lending's specialty in self-employed and real estate investor financing.
• Fairway Independent Mortgage Corporation: Large national mortgage lender operating primarily through a branch and broker network with retail and wholesale origination. Highly comparable to Parish Lending in product breadth and broker-driven model, but at much greater scale.

Broad incumbents

• Rocket Mortgage: Largest U.S. direct-to-consumer mortgage lender with a fully digital application experience. Competes with Parish Lending for the same residential borrowers but via a national, technology-led model rather than local broker relationships.
• loanDepot: National retail and wholesale mortgage lender with a broad product set and significant brand recognition. Competes with Parish Lending across conventional, government, and refinance products at a national scale.
• United Wholesale Mortgage (UWM): Largest U.S. wholesale mortgage lender, providing broker channel infrastructure to brokers like Parish Lending. Not a direct competitor on the borrower-facing side, but the dominant wholesale partner in the broker ecosystem.

Emerging players

• Better.com: Digital-first mortgage lender offering streamlined online origination for purchase and refinance. Represents the emerging self-serve digital model competing with broker-driven experiences like Parish Lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/parishlending
• LinkedInlinkedin.com/company/parishlending
• Instagraminstagram.com/ericalends

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Parish Lending