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2024 data HMDA 2024 disclosure official source

St. Helena Parish

527 mortgage applications, 38.0% denial rate. Verify FIPS 22091 with U.S. Census Bureau →

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Louisiana · FIPS 22091

Local mortgage market. St. Helena Parish, Louisiana saw 527 HMDA-reported mortgage applications in 2024. Lenders originated 142 of those loans and denied 200, producing a denial rate of 38.0% and an approval (origination) rate of 26.9%. The average loan amount was $128,245 at an average note rate of 8.06%, with applicants self-reporting average annual income of $37K. 46 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 22091 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

527
Applications
142
Originated
38.0%
Denial Rate
26.9%
Approval Rate
$128,245
Avg Loan Amount
8.06%
Avg Interest Rate
$37K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in St. Helena 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 21st Mortgage 20 14.1%
2 Triad Financial Services, INC. 16 11.3%
3 Rocket Mortgage 12 8.5%
4 First Guaranty Bank 10 7.0%
5 Vanderbilt Mortgage and Finance, INC 9 6.3%
Compare 21st Mortgage vs Triad Financial Services, INC. →

Frequently Asked Questions

How many mortgage applications were filed in St. Helena Parish?
In the 2024 HMDA reporting year, 527 mortgage applications were filed in St. Helena Parish, Louisiana. Of these, 142 were originated (approved and funded), while 200 were denied, resulting in a denial rate of 38.0%.
What is the mortgage denial rate in St. Helena Parish?
The mortgage denial rate in St. Helena Parish is 38.0%. The approval (origination) rate is 26.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in St. Helena Parish?
The average mortgage loan amount in St. Helena Parish is $128,245. The average interest rate is 8.064%. The average applicant income is $37K.
What is the loan-to-income ratio in St. Helena Parish?
The average loan-to-income ratio in St. Helena Parish is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in St. Helena Parish?
The top mortgage lenders in St. Helena Parish by origination volume are 21st Mortgage, Triad Financial Services, INC., Rocket Mortgage. In total, 46 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.