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St. Charles Parish, Louisiana
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
St. Charles Parish, Louisiana, saw 1,317 HMDA-reported applications and 714 originations ($157m) in 2024.
That is 38.4 originations per 1,000 households, against 34.6 for Louisiana and 48.0 nationally.
The county's denial rate was 27.6%, below the state rate of 30.2%. The median rate spread on originated loans was 0.4 percentage points and 17.3% of originations were 1.5 points or more above the average prime offer rate.
18 lenders reached 25 applications in the county; the most active by originations were Rocket Mortgage (65), Gmfs, LLC (54) and First American Bank and Trust (52).
Originations were about level with 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | Rocket Mortgage | 84 | 65 | $14m | 14.3% | — |
| 2 | Gmfs, LLC | 71 | 54 | $16m | 6.6% | — |
| 3 | First American Bank and Trust | 81 | 52 | $8.1m | 23.3% | — |
| 4 | United Wholesale Mortgage | 45 | 35 | $8.6m | 14.3% | — |
| 5 | Freedom Mortgage Corporation | 39 | 23 | $6.7m | — | — |
| 6 | Movement Mortgage, LLC | 33 | 23 | $4.8m | 6.9% | — |
| 7 | Newrez LLC | 48 | 22 | $5.8m | 25.8% | — |
| 8 | Fidelity Bank | 28 | 19 | $4.3m | — | — |
| 9 | Gulf Coast Bank and Trust | 26 | 17 | $4.5m | — | — |
| 10 | Hancock Whitney Bank | 28 | 15 | $2.0m | 40.0% | — |
| 11 | Pennymac Loan Services LLC | 25 | 15 | $3.7m | — | — |
| 12 | Regions Bank | 37 | 13 | $1.2m | 53.3% | — |
| 13 | Navy Federal Credit Union | 26 | 10 | $2.2m | — | — |
| 14 | 21st Mortgage | 55 | 9 | $875k | 60.0% | — |
| 15 | Vanderbilt Mortgage and Finance, Inc | 48 | 7 | $365k | 77.4% | — |
| 16 | Discover Bank | 30 | 3 | $345k | — | — |
| 17 | Amerisave Mortgage Company | 25 | 1 | $45k | — | — |
| 18 | Triad Financial Services, Inc. | 32 | 0 | $0 | 59.4% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 18. Denial rate is denials over decided applications in this county.
Compared with Louisiana and the nation
| Measure | This county | Louisiana | United States |
|---|---|---|---|
| Denial rate | 27.6% | 30.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 17.3% | 17.0% | 15.6% |
| Average originated loan | $220k | $234k | $329k |
| Originations per 1,000 households | 38.4 | 34.6 | 48.0 |
| Home purchase share of originations | 58.7% | 63.7% | 57.0% |
| FHA-insured share | 22.7% | 20.7% | 13.4% |
| VA-guaranteed share | 7.3% | 9.3% | 7.9% |
Rate spread distribution
Share of 607 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Louisiana). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 59% (419)Home improvement 7% (50)Refinancing 13% (91)Cash-out refinancing 14% (102)Other purpose 7% (52)
By type
Conventional 66% (469)FHA 23% (162)VA 7% (52)USDA 4% (31)
Trend by year
ApplicationsOriginations
This countyLouisiana
Questions and answers
Which lenders are most active in St. Charles Parish, LA?
By 2024 originations: Rocket Mortgage (65), Gmfs, LLC (54), First American Bank and Trust (52), United Wholesale Mortgage (35), Freedom Mortgage Corporation (23). 18 lenders had at least 25 applications in the county.
What is the mortgage denial rate in St. Charles Parish?
27.6% of decided applications were denied in 2024, against 30.2% across Louisiana and 24.3% nationally.
How many mortgages were originated in St. Charles Parish in 2024?
714 loans totalling $157m, from 1,317 applications; 38.4 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 22089; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.