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2024 data HMDA 2024 disclosure official source

St. Tammany Parish

10,170 mortgage applications, 16.4% denial rate. Verify FIPS 22103 with U.S. Census Bureau →

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Louisiana · FIPS 22103

Local mortgage market. St. Tammany Parish, Louisiana saw 10,170 HMDA-reported mortgage applications in 2024. Lenders originated 4,807 of those loans and denied 1,666, producing a denial rate of 16.4% and an approval (origination) rate of 47.3%. The average loan amount was $257,762 at an average note rate of 7.03%, with applicants self-reporting average annual income of $38K. 252 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.8x, meaning typical borrowers took on mortgages of about 6.8 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 22103 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

10,170
Applications
4,807
Originated
16.4%
Denial Rate
47.3%
Approval Rate
$257,762
Avg Loan Amount
7.03%
Avg Interest Rate
$38K
Avg Applicant Income
6.8x
Loan-to-Income Ratio

Nearby Lenders in St. Tammany 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 Gmfs, LLC 382 7.9%
2 Rocket Mortgage 268 5.6%
3 Hancock Whitney Bank 231 4.8%
4 Gulf Coast Bank and Trust 231 4.8%
5 United Wholesale Mortgage 214 4.5%
Compare Gmfs, LLC vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in St. Tammany Parish?
In the 2024 HMDA reporting year, 10,170 mortgage applications were filed in St. Tammany Parish, Louisiana. Of these, 4,807 were originated (approved and funded), while 1,666 were denied, resulting in a denial rate of 16.4%.
What is the mortgage denial rate in St. Tammany Parish?
The mortgage denial rate in St. Tammany Parish is 16.4%. The approval (origination) rate is 47.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in St. Tammany Parish?
The average mortgage loan amount in St. Tammany Parish is $257,762. The average interest rate is 7.033%. The average applicant income is $38K.
What is the loan-to-income ratio in St. Tammany Parish?
The average loan-to-income ratio in St. Tammany Parish is 6.8x, meaning borrowers took on loans averaging 6.8 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in St. Tammany Parish?
The top mortgage lenders in St. Tammany Parish by origination volume are Gmfs, LLC, Rocket Mortgage, Hancock Whitney Bank. In total, 252 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.