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2024 data HMDA 2024 disclosure official source

St. Martin Parish

1,500 mortgage applications, 24.2% denial rate. Verify FIPS 22099 with U.S. Census Bureau →

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Louisiana · FIPS 22099

Local mortgage market. St. Martin Parish, Louisiana saw 1,500 HMDA-reported mortgage applications in 2024. Lenders originated 650 of those loans and denied 363, producing a denial rate of 24.2% and an approval (origination) rate of 43.3%. The average loan amount was $160,387 at an average note rate of 7.14%, with applicants self-reporting average annual income of $37K. 111 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.

FIPS 22099 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,500
Applications
650
Originated
24.2%
Denial Rate
43.3%
Approval Rate
$160,387
Avg Loan Amount
7.14%
Avg Interest Rate
$37K
Avg Applicant Income
4.3x
Loan-to-Income Ratio

Nearby Lenders in St. Martin 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 60 9.2%
2 Farmers-Merchants Bank and Trust 41 6.3%
3 Rocket Mortgage 30 4.6%
4 Vanderbilt Mortgage and Finance, INC 30 4.6%
5 DHI Mortgage Company, LTD. 26 4.0%
Compare United Wholesale Mortgage vs Farmers-Merchants Bank and Trust →

Frequently Asked Questions

How many mortgage applications were filed in St. Martin Parish?
In the 2024 HMDA reporting year, 1,500 mortgage applications were filed in St. Martin Parish, Louisiana. Of these, 650 were originated (approved and funded), while 363 were denied, resulting in a denial rate of 24.2%.
What is the mortgage denial rate in St. Martin Parish?
The mortgage denial rate in St. Martin Parish is 24.2%. The approval (origination) rate is 43.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in St. Martin Parish?
The average mortgage loan amount in St. Martin Parish is $160,387. The average interest rate is 7.145%. The average applicant income is $37K.
What is the loan-to-income ratio in St. Martin Parish?
The average loan-to-income ratio in St. Martin Parish is 4.3x, meaning borrowers took on loans averaging 4.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in St. Martin Parish?
The top mortgage lenders in St. Martin Parish by origination volume are United Wholesale Mortgage, Farmers-Merchants Bank and Trust, Rocket Mortgage. In total, 111 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.