Houma-Bayou Cane-Thibodaux
Metropolitan Statistical Area · MSA Code 26380
According to CFPB HMDA 2024 application volume among tracked metros, Houma-Bayou Cane-Thibodaux ranks #305 of 418.
Mortgage lending activity in the Houma-Bayou Cane-Thibodaux metro area based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this geography during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Metro-area mortgage activity. The Houma-Bayou Cane-Thibodaux Metropolitan Statistical Area (MSA code 26380) recorded 5,549 HMDA-reported mortgage applications in 2024. Lenders originated 2,413 of those and denied others at a rate of 24.4%, for an approval (origination) rate of 43.5%. The average loan amount across the MSA was $173,524 at an average note rate of 7.16%. 20 major lenders are tracked for this metro - United Wholesale Mortgage, Synergy Bank, DSLD Mortgage LLC lead by origination volume. Among the 418 metros tracked, Houma-Bayou Cane-Thibodaux ranks #414 by denial rate (the 1st percentile for approval-friendliness), and shares its 5-point denial-rate band with 47 other tracked metros.
What MSA numbers tell you, and what they don't. Metro area boundaries are defined by the U.S. Office of Management and Budget and typically span multiple counties, so a single Houma-Bayou Cane-Thibodaux denial rate averages across urban core, inner suburbs, and outer commuter communities with very different borrower profiles. A 24.4% denial rate at the MSA level can coexist with widely varying individual-lender denial rates; $173,524 average loan size reflects the MSA's property values and the borrower pool that actually applied, not any single neighborhood. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Houma-Bayou Cane-Thibodaux
In Houma-Bayou Cane-Thibodaux, lead originator United Wholesale Mortgage funded 13.0% of 2,413 originated loans, above the fleet's upper tercile (~12.8% top-1). The top three reporters together hold 26.9% of the book, so a handful of names dominate disclosed volume here.
Metros With a Similar Denial Rate
The metro areas closest to Houma-Bayou Cane-Thibodaux's 24.4% denial rate among all 418 tracked MSAs.
Metros With Similar Application Volume
Nationwide MSAs nearest to Houma-Bayou Cane-Thibodaux's 5,549 HMDA applications (deduped against the denial-rate neighbourhood).
Metros With a Similar Average Loan
Nationwide MSAs nearest to Houma-Bayou Cane-Thibodaux's $173,524 average loan (deduped against denial and volume peers).
Lenders active in the Houma-Bayou Cane-Thibodaux metro
United Wholesale Mortgage funded 313 of the 2,413 loans originated here, 13.0% of the metro. 20 reporting lenders follow.
| # | Lender | Originated | Applications | Avg Loan | Market Share |
|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 313 | 390 | $214,744 | 13.0% |
| 2 | Synergy Bank | 177 | 210 | $169,333 | 7.3% |
| 3 | DSLD Mortgage LLC | 158 | 201 | $251,318 | 6.5% |
| 4 | Hancock Whitney Bank | 129 | 240 | $169,333 | 5.3% |
| 5 | Assurance Financial Group, L.L.C. | 126 | 161 | $226,801 | 5.2% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. Metropolitan Statistical Areas defined by the U.S. Office of Management and Budget (OMB).
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for Houma-Bayou Cane-Thibodaux 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 Houma-Bayou Cane-Thibodaux 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.