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2024 data HMDA 2024 disclosure official source

St. John the Baptist Parish

1,209 mortgage applications, 26.4% denial rate. Verify FIPS 22095 with U.S. Census Bureau →

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Louisiana · FIPS 22095

Local mortgage market. St. John the Baptist Parish, Louisiana saw 1,209 HMDA-reported mortgage applications in 2024. Lenders originated 480 of those loans and denied 319, producing a denial rate of 26.4% and an approval (origination) rate of 39.7%. The average loan amount was $153,925 at an average note rate of 7.18%, with applicants self-reporting average annual income of $40K. 110 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.8x, meaning typical borrowers took on mortgages of about 3.8 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 22095 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,209
Applications
480
Originated
26.4%
Denial Rate
39.7%
Approval Rate
$153,925
Avg Loan Amount
7.18%
Avg Interest Rate
$40K
Avg Applicant Income
3.8x
Loan-to-Income Ratio

Nearby Lenders in St. John the Baptist 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 United Wholesale Mortgage 64 13.3%
2 Rocket Mortgage 35 7.3%
3 First American Bank and Trust 23 4.8%
4 Onpath Federal Credit Union 21 4.4%
5 Gmfs, LLC 19 4.0%
Compare United Wholesale Mortgage vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in St. John the Baptist Parish?
In the 2024 HMDA reporting year, 1,209 mortgage applications were filed in St. John the Baptist Parish, Louisiana. Of these, 480 were originated (approved and funded), while 319 were denied, resulting in a denial rate of 26.4%.
What is the mortgage denial rate in St. John the Baptist Parish?
The mortgage denial rate in St. John the Baptist Parish is 26.4%. The approval (origination) rate is 39.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in St. John the Baptist Parish?
The average mortgage loan amount in St. John the Baptist Parish is $153,925. The average interest rate is 7.178%. The average applicant income is $40K.
What is the loan-to-income ratio in St. John the Baptist Parish?
The average loan-to-income ratio in St. John the Baptist Parish is 3.8x, meaning borrowers took on loans averaging 3.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in St. John the Baptist Parish?
The top mortgage lenders in St. John the Baptist Parish by origination volume are United Wholesale Mortgage, Rocket Mortgage, First American Bank and Trust. In total, 110 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.