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St. John the Baptist 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.
Lenders reported 1,078 mortgage applications in St. John the Baptist Parish, Louisiana, for 2024, and originated 480 loans worth $81m.
That is 31.7 originations per 1,000 households, against 34.6 for Louisiana and 48.0 nationally.
The county's denial rate was 37.8%, above the state rate of 30.2%. The median rate spread on originated loans was 0.7 percentage points and 18.9% of originations were 1.5 points or more above the average prime offer rate.
11 lenders reached 25 applications in the county; the most active by originations were United Wholesale Mortgage (64), Rocket Mortgage (35) and First American Bank and Trust (23).
Originations were down 12% on 2023.
Most active lenders
| # | Lender | Applications | Originations | Amount | Denial rate | Median spread |
|---|---|---|---|---|---|---|
| 1 | United Wholesale Mortgage | 83 | 64 | $12m | 15.6% | — |
| 2 | Rocket Mortgage | 55 | 35 | $6.0m | 30.2% | — |
| 3 | First American Bank and Trust | 34 | 23 | $4.1m | 10.0% | — |
| 4 | Gmfs, LLC | 32 | 19 | $4.0m | — | — |
| 5 | 21st Mortgage | 69 | 17 | $1.1m | 62.5% | — |
| 6 | Hancock Whitney Bank | 27 | 16 | $2.5m | — | — |
| 7 | Credit Human Federal Credit Un | 35 | 14 | $1.7m | 57.1% | — |
| 8 | Regions Bank | 35 | 12 | $1.5m | 60.6% | — |
| 9 | Vanderbilt Mortgage and Finance, Inc | 53 | 8 | $240k | 75.0% | — |
| 10 | Triad Financial Services, Inc. | 38 | 1 | $95k | 71.1% | — |
| 11 | Discover Bank | 34 | 1 | $45k | 96.0% | — |
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 11. Denial rate is denials over decided applications in this county.
Compared with Louisiana and the nation
| Measure | This county | Louisiana | United States |
|---|---|---|---|
| Denial rate | 37.8% | 30.2% | 24.3% |
| Median rate spread, pp | 0.7 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 18.9% | 17.0% | 15.6% |
| Average originated loan | $169k | $234k | $329k |
| Originations per 1,000 households | 31.7 | 34.6 | 48.0 |
| Home purchase share of originations | 64.0% | 63.7% | 57.0% |
| FHA-insured share | 32.1% | 20.7% | 13.4% |
| VA-guaranteed share | 5.2% | 9.3% | 7.9% |
Rate spread distribution
Share of 392 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 64% (307)Home improvement 2% (9)Refinancing 12% (58)Cash-out refinancing 16% (78)Other purpose 6% (28)
By type
Conventional 59% (284)FHA 32% (154)VA 5% (25)USDA 4% (17)
Trend by year
ApplicationsOriginations
This countyLouisiana
Questions and answers
Which lenders are most active in St. John the Baptist Parish, LA?
By 2024 originations: United Wholesale Mortgage (64), Rocket Mortgage (35), First American Bank and Trust (23), Gmfs, LLC (19), 21st Mortgage (17). 11 lenders had at least 25 applications in the county.
What is the mortgage denial rate in St. John the Baptist Parish?
37.8% of decided applications were denied in 2024, against 30.2% across Louisiana and 24.3% nationally.
How many mortgages were originated in St. John the Baptist Parish in 2024?
480 loans totalling $81m, from 1,078 applications; 31.7 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 22095; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.