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2024 data HMDA 2024 disclosure official source

St. James Parish

642 mortgage applications, 26.0% denial rate. Verify FIPS 22093 with U.S. Census Bureau →

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Louisiana · FIPS 22093

Local mortgage market. St. James Parish, Louisiana saw 642 HMDA-reported mortgage applications in 2024. Lenders originated 287 of those loans and denied 167, producing a denial rate of 26.0% and an approval (origination) rate of 44.7%. The average loan amount was $145,545 at an average note rate of 7.46%, with applicants self-reporting average annual income of $37K. 66 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 22093 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

642
Applications
287
Originated
26.0%
Denial Rate
44.7%
Approval Rate
$145,545
Avg Loan Amount
7.46%
Avg Interest Rate
$37K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in St. James 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 First American Bank and Trust 90 31.4%
2 Rocket Mortgage 13 4.5%
3 United Wholesale Mortgage 13 4.5%
4 Vanderbilt Mortgage and Finance, INC 13 4.5%
5 Gmfs, LLC 12 4.2%
Compare First American Bank and Trust vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in St. James Parish?
In the 2024 HMDA reporting year, 642 mortgage applications were filed in St. James Parish, Louisiana. Of these, 287 were originated (approved and funded), while 167 were denied, resulting in a denial rate of 26.0%.
What is the mortgage denial rate in St. James Parish?
The mortgage denial rate in St. James Parish is 26.0%. The approval (origination) rate is 44.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in St. James Parish?
The average mortgage loan amount in St. James Parish is $145,545. The average interest rate is 7.455%. The average applicant income is $37K.
What is the loan-to-income ratio in St. James Parish?
The average loan-to-income ratio in St. James Parish is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in St. James Parish?
The top mortgage lenders in St. James Parish by origination volume are First American Bank and Trust, Rocket Mortgage, United Wholesale Mortgage. In total, 66 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.