St. Landry Parish
Louisiana · FIPS 22097
According to CFPB HMDA 2024 application volume among U.S. counties, St. Landry Parish ranks #868 of 3,210, and #16 of 64 in Louisiana.
Mortgage lending activity in St. Landry 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. Landry Parish, Louisiana saw 2,230 HMDA-reported mortgage applications in 2024. Lenders originated 855 of those loans and denied 620, producing a denial rate of 27.8% and an approval (origination) rate of 38.3%. The average loan amount was $159,740 at an average note rate of 7.20%, with applicants self-reporting average annual income of $37K. 138 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.3x, meaning typical borrowers took on mortgages of about 4.3 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. Landry Parish
In St. Landry Parish, lead originator United Wholesale Mortgage funded only 6.7% of 855 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.2% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to St. Landry Parish's 2,230 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to St. Landry Parish's $159,740 average loan (deduped against volume peers).
Lenders active in St. Landry Parish
United Wholesale Mortgage funded 57 of the 855 loans originated in St. Landry Parish, 6.7% of the county. 138 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 57 | 6.7% |
| 2 | Rocket Mortgage | 56 | 6.5% |
| 3 | DHI Mortgage Company, LTD. | 43 | 5.0% |
| 4 | Gmfs, LLC | 34 | 4.0% |
| 5 | Eustis Mortgage Corp | 32 | 3.7% |
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; does not constitute financial advice for St. Landry Parish borrowers.
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 St. Landry Parish 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. 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.