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2024 data HMDA 2024 disclosure official source

St. Bernard Parish

1,208 mortgage applications, 19.4% denial rate. Verify FIPS 22087 with U.S. Census Bureau →

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Louisiana · FIPS 22087

Local mortgage market. St. Bernard Parish, Louisiana saw 1,208 HMDA-reported mortgage applications in 2024. Lenders originated 506 of those loans and denied 235, producing a denial rate of 19.4% and an approval (origination) rate of 41.9%. The average loan amount was $183,733 at an average note rate of 7.21%, with applicants self-reporting average annual income of $40K. 111 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.6x, meaning typical borrowers took on mortgages of about 4.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 22087 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,208
Applications
506
Originated
19.4%
Denial Rate
41.9%
Approval Rate
$183,733
Avg Loan Amount
7.21%
Avg Interest Rate
$40K
Avg Applicant Income
4.6x
Loan-to-Income Ratio

Nearby Lenders in St. Bernard Parish

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Gulf Coast Bank and Trust 50 9.9%
2 Crosscountry Mortgage, LLC 48 9.5%
3 Movement Mortgage, LLC 30 5.9%
4 Rocket Mortgage 26 5.1%
5 Hancock Whitney Bank 22 4.3%
Compare Gulf Coast Bank and Trust vs Crosscountry Mortgage, LLC →

Frequently Asked Questions

How many mortgage applications were filed in St. Bernard Parish?
In the 2024 HMDA reporting year, 1,208 mortgage applications were filed in St. Bernard Parish, Louisiana. Of these, 506 were originated (approved and funded), while 235 were denied, resulting in a denial rate of 19.4%.
What is the mortgage denial rate in St. Bernard Parish?
The mortgage denial rate in St. Bernard Parish is 19.4%. The approval (origination) rate is 41.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in St. Bernard Parish?
The average mortgage loan amount in St. Bernard Parish is $183,733. The average interest rate is 7.208%. The average applicant income is $40K.
What is the loan-to-income ratio in St. Bernard Parish?
The average loan-to-income ratio in St. Bernard Parish is 4.6x, meaning borrowers took on loans averaging 4.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in St. Bernard Parish?
The top mortgage lenders in St. Bernard Parish by origination volume are Gulf Coast Bank and Trust, Crosscountry Mortgage, LLC, Movement Mortgage, LLC. In total, 111 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.