St. Tammany Parish, LA: mortgage lenders, denial rate and originations, 2024

States › Louisiana › St. Tammany Parish

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 8,670 mortgage applications in St. Tammany Parish, Louisiana, for 2024, and originated 4,811 loans worth $1.3bn.

That is 45.8 originations per 1,000 households, against 34.6 for Louisiana and 48.0 nationally.

The county's denial rate was 24.6%, below the state rate of 30.2%. The median rate spread on originated loans was 0.3 percentage points and 14.7% of originations were 1.5 points or more above the average prime offer rate.

64 lenders reached 25 applications in the county; the most active by originations were Gmfs, LLC (382), Rocket Mortgage (268) and Hancock Whitney Bank (231).

Originations were about level with 2023.

8,670applications, 2024

4,811loans originated$1.3bn

24.6%denial rateLA 30.2% · US 24.3%

45.8originations per 1,000 householdsLA 34.6 · US 48.0

Most active lenders

#	Lender	Applications	Originations	Amount	Denial rate	Median spread
1	Gmfs, LLC	495	382	$124m	2.5%	—
2	Rocket Mortgage	379	268	$55m	20.5%	—
3	Hancock Whitney Bank	363	231	$46m	25.2%	—
4	Gulf Coast Bank and Trust	311	231	$62m	9.8%	—
5	United Wholesale Mortgage	296	214	$63m	17.1%	—
6	Fidelity Bank	305	213	$60m	13.4%	—
7	DHI Mortgage Company, LTD.	270	157	$41m	24.8%	—
8	DSLD Mortgage LLC	211	147	$38m	6.9%	—
9	Eustis Mortgage Corp	175	137	$39m	3.5%	—
10	Navy Federal Credit Union	238	111	$25m	33.7%	—
11	Freedom Mortgage Corporation	206	109	$32m	16.7%	—
12	Movement Mortgage, LLC	141	101	$31m	2.5%	—
13	Crosscountry Mortgage, LLC	136	88	$25m	4.3%	—
14	Mortgage Research Center	185	85	$24m	30.1%	—
15	JPMorgan Chase Bank, NA	121	77	$20m	13.4%	—
16	New American Funding, LLC.	146	75	$20m	17.4%	—
17	Regions Bank	208	73	$10m	52.3%	—
18	Keesler Federal Credit Union	190	73	$12m	54.4%	—
19	Resource Bank	84	73	$26m	3.9%	—
20	Loansteady LLC	93	66	$25m	1.4%	—
21	Standard Mortgage Corporation	100	63	$19m	13.5%	—
22	First Horizon Bank	89	60	$22m	16.2%	—
23	Pennymac Loan Services LLC	154	58	$14m	31.9%	—
24	Primelending	72	54	$12m	3.3%	—
25	Nationstar Mortgage	66	48	$7.5m	14.3%	—
26	Newrez LLC	140	47	$11m	29.9%	—
27	Heritage Bank of St. Tammany	61	47	$16m	9.6%	—
28	Citizens Savings Bank	58	46	$8.8m	5.6%	—
29	Bankplus	59	44	$12m	14.3%	—
30	Loandepot.com, LLC	119	41	$7.6m	49.4%	—
31	Discover Bank	256	40	$3.0m	74.5%	—
32	Click n' Close, Inc.	65	34	$9.2m	2.9%	—
33	Mutual of Omaha Mortgage	56	33	$7.6m	29.2%	—
34	Spring Eq, LLC	90	31	$2.1m	60.3%	—
35	T2 Financial LLC	50	30	$7.0m	10.9%	—
36	Coastal Community Bank	100	27	$1.3m	4.4%	—
37	Bank of America NA	76	26	$4.6m	52.7%	—
38	Figure Lending LLC	51	26	$1.3m	26.5%	—
39	TowneBank	33	26	$6.9m	7.1%	—
40	The First Bank	39	25	$4.4m	26.5%	—

Lenders with at least 25 applications in the county, by originations; up to 40 shown of 64. Denial rate is denials over decided applications in this county.

Compared with Louisiana and the nation

Measure	This county	Louisiana	United States
Denial rate	24.6%	30.2%	24.3%
Median rate spread, pp	0.3	0.4	0.3
Originations with spread of 1.5 pp or more	14.7%	17.0%	15.6%
Average originated loan	$268k	$234k	$329k
Originations per 1,000 households	45.8	34.6	48.0
Home purchase share of originations	60.3%	63.7%	57.0%
FHA-insured share	19.1%	20.7%	13.4%
VA-guaranteed share	13.1%	9.3%	7.9%

Rate spread distribution

Below 0 pp33.5%

0 to 0.5 pp26.4%

0.5 to 1 pp17.7%

1 to 1.5 pp7.7%

1.5 to 3 pp7.8%

3 or more pp7%

Share of 4,197 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 60% (2,901)Home improvement 7% (340)Refinancing 12% (557)Cash-out refinancing 13% (604)Other purpose 9% (409)

By type

Conventional 66% (3,153)FHA 19% (921)VA 13% (630)USDA 2% (107)

Trend by year

ApplicationsOriginations

Applications and originations in St. Tammany Parish, 2022–2024

This countyLouisiana

Denial rate by year, state rate dashed

Questions and answers

Which lenders are most active in St. Tammany Parish, LA?

By 2024 originations: Gmfs, LLC (382), Rocket Mortgage (268), Hancock Whitney Bank (231), Gulf Coast Bank and Trust (231), United Wholesale Mortgage (214). 64 lenders had at least 25 applications in the county.

What is the mortgage denial rate in St. Tammany Parish?

24.6% of decided applications were denied in 2024, against 30.2% across Louisiana and 24.3% nationally.

How many mortgages were originated in St. Tammany Parish in 2024?

4,811 loans totalling $1.3bn, from 8,670 applications; 45.8 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 22103; 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.