St. Charles Parish
Louisiana · FIPS 22089
According to CFPB HMDA 2024 application volume among U.S. counties, St. Charles Parish ranks #1,128 of 3,223, and #21 of 64 in Louisiana.
Mortgage lending activity in St. Charles 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. Charles Parish, Louisiana lenders denied 296 of the applications reported here, financing the rest at an average note rate of 7.18%, with applicants self-reporting average annual income of $38K. 130 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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. Charles Parish
In St. Charles Parish, lead originator Rocket Mortgage funded only 9.1% of 713 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to St. Charles Parish's 1,492 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to St. Charles Parish's $201,696 average loan (deduped against volume peers).
Lenders active in St. Charles Parish
Rocket Mortgage funded 65 of the 713 loans originated in St. Charles Parish, 9.1% of the county. 130 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Rocket Mortgage | 65 | 9.1% |
| 2 | Gmfs, LLC | 54 | 7.6% |
| 3 | First American Bank and Trust | 52 | 7.3% |
| 4 | United Wholesale Mortgage | 35 | 4.9% |
| 5 | Freedom Mortgage Corporation | 23 | 3.2% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For St. Charles 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. Charles 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.