21st Mortgage in Louisiana: applications, originations and denial rate, 2024

Lenders › 21st Mortgage › Louisiana

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.

In Louisiana, 21st Mortgage reported 6,520 applications and 1,158 originations for 2024, $126m in all.

Its denial rate in the state was 69.0%, above the Louisiana rate of 30.2% across all lenders and compared with the lender's national rate of 70.3%.

The median rate spread on its Louisiana originations was 4.0 percentage points (state median 0.4).

Applications in the state were down 7% on 2023.

6,520applications in LA, 20244.0% of the lender's total

1,158loans originated$126m

69.0%denial rateLA all lenders 30.2%

4.0 ppmedian rate spreadLA 0.4 pp

Compared with the state and the lender's national record

Measure	In Louisiana	Louisiana, all lenders	21st Mortgage, all states	United States
Denial rate	69.0%	30.2%	70.3%	24.3%
Median rate spread, pp	4.0	0.4	4.2	0.3
Originations with spread of 1.5 pp or more	98.8%	17.0%	99.0%	15.6%
Average originated loan	$108k	$234k	$114k	$329k
Home purchase share	99.5%	63.7%	98.4%	57.0%
FHA-insured share	0.0%	20.7%	0.0%	13.4%
VA-guaranteed share	0.0%	9.3%	0.0%	7.9%

Trend by year

ApplicationsOriginations

21st Mortgage in Louisiana: applications and originations, 2022–2024

This lender in stateLouisiana, all lenders

Denial rate by year, state rate dashed

Loan purpose and loan type in Louisiana

By purpose

Home purchase 99% (1,152)Refinancing 0% (2)Cash-out refinancing 0% (3)Other purpose 0% (1)

By type

Conventional 100% (1,158)

Denial reasons as coded

Credit history48.2%

Debt-to-income ratio30.1%

Insufficient cash (downpayment, closing costs)10.5%

Credit application incomplete7.3%

Collateral1.5%

Unverifiable information1.4%

Other0.9%

Employment history0.2%

Mortgage insurance denied0%

Share of 2,851 denials in Louisiana by first denial reason coded (outlined bar: all lenders in the state).

Counties in Louisiana

County	Applications	Originations	Amount	Denial rate
Calcasieu Parish	294	73	$7.5m	55.9%
Tangipahoa Parish	325	58	$6.1m	69.6%
Livingston Parish	222	50	$5.8m	58.8%
Terrebonne Parish	232	49	$3.1m	64.4%
Lafourche Parish	200	47	$3.3m	64.0%
Rapides Parish	238	46	$5.4m	61.7%
Caddo Parish	284	45	$5.9m	73.5%
Sabine Parish	146	43	$4.3m	49.4%
Vernon Parish	141	40	$5.1m	43.6%
Bossier Parish	229	39	$4.5m	71.0%
De Soto Parish	177	39	$4.4m	60.0%
Beauregard Parish	148	39	$4.1m	56.6%
Grant Parish	130	30	$3.1m	62.8%
Ouachita Parish	272	28	$2.9m	83.8%
St. Landry Parish	202	24	$3.1m	73.9%
Lincoln Parish	142	22	$2.5m	76.5%
Webster Parish	113	22	$2.5m	63.9%
Union Parish	140	21	$2.2m	70.5%
Avoyelles Parish	85	21	$2.8m	60.7%
St. Helena Parish	107	20	$1.7m	65.7%
St. Martin Parish	106	19	$2.8m	66.7%
Ascension Parish	96	19	$2.4m	60.7%
Bienville Parish	85	19	$2.6m	63.6%
St. John the Baptist Parish	69	17	$1.1m	62.5%
Acadia Parish	110	16	$2.1m	69.1%
Natchitoches Parish	74	16	$1.7m	66.7%
Franklin Parish	94	15	$1.8m	72.9%
Allen Parish	65	15	$1.8m	54.1%
Lafayette Parish	228	13	$1.4m	90.9%
Iberia Parish	74	13	$1.1m	75.0%
Washington Parish	78	12	$1.0m	72.1%
Claiborne Parish	76	12	$1.6m	73.3%
Jefferson Davis Parish	61	12	$1.3m	70.5%
East Baton Rouge Parish	72	11	$1.3m	73.6%
Concordia Parish	61	11	$1.2m	73.9%
Winn Parish	57	11	$1.3m	70.3%
LaSalle Parish	56	11	$1.5m	68.4%
Evangeline Parish	50	11	$1.6m	63.3%
Jackson Parish	72	10	$1.2m	74.4%
Pointe Coupee Parish	62	10	$1.2m	73.7%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did 21st Mortgage originate in Louisiana in 2024?

1,158 loans totalling $126m, from 6,520 applications reported for properties in Louisiana.

What is 21st Mortgage's denial rate in Louisiana?

69.0% of decided applications in Louisiana were denied, against 30.2% for all lenders in the state and 70.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.

Which Louisiana counties does 21st Mortgage lend in most?

By originations: Calcasieu Parish (73), Tangipahoa Parish (58), Livingston Parish (50), Terrebonne Parish (49), Lafourche Parish (47).

Where does this data come from?

From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.

Provenance

Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Louisiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.