St. Landry Parish
Louisiana · FIPS 22097
According to CFPB HMDA 2024 application volume among U.S. counties, St. Landry Parish ranks #877 of 3,223, 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 lenders denied 620 of the applications reported here, financing the rest 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For St. Landry 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. Landry 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.