St. Bernard Parish
Louisiana · FIPS 22087
According to CFPB HMDA 2024 application volume among U.S. counties, St. Bernard Parish ranks #1,274 of 3,223, and #27 of 64 in Louisiana.
Mortgage lending activity in St. Bernard Parish, Louisiana based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. St. Bernard Parish, Louisiana lenders denied 235 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in St. Bernard Parish
In St. Bernard Parish, lead originator Gulf Coast Bank and Trust funded only 9.9% of 506 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to St. Bernard Parish's 1,208 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to St. Bernard Parish's $183,733 average loan (deduped against volume peers).
Lenders active in St. Bernard Parish
Gulf Coast Bank and Trust funded 50 of the 506 loans originated in St. Bernard Parish, 9.9% of the county. 111 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For St. Bernard Parish, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for St. Bernard Parish borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.