Largest lenders in St. James Parish
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First American Bank and Trust | C | 114 | 94 | 5.3% | — |
| 2 | Vanderbilt Mortgage and Finance | F | 74 | 6 | 51.4% | 10.37% |
| 3 | 21st Mortgage | F | 37 | 3 | 64.9% | 11.52% |
| 4 | Rocket Mortgage | C | 33 | 17 | 42.4% | 6.63% |
| 5 | Triad Financial Services | D | 33 | 1 | 63.6% | 11.96% |
| 6 | Newrez | D | 18 | 12 | 11.1% | 6.56% |
| 7 | Hancock Whitney Bank | B | 17 | 8 | 41.2% | 6.13% |
| 8 | Credit Human Federal Credit Union | D | 17 | 0 | 88.2% | — |
| 9 | Regions Bank | C | 15 | 6 | 33.3% | 5.50% |
| 10 | United Shore Financial Services | B | 15 | 12 | 6.7% | 6.25% |
| 11 | GMFS | A | 12 | 3 | 0.0% | 5.99% |
| 12 | Eustis Mortgage | B | 8 | 6 | 0.0% | 5.81% |
| 13 | Loandepot.Com | D | 8 | 3 | 62.5% | 7.13% |
| 14 | Nationstar Mortgage | C | 7 | 3 | 28.6% | 9.00% |
| 15 | Broker Solutions | D | 7 | 1 | 28.6% | 6.75% |
| 16 | OnPath Federal Credit Union | B | 7 | 6 | 14.3% | 7.55% |
| 17 | Pennymac Loan Services | C | 6 | 2 | 16.7% | 6.00% |
| 18 | AmeriSave Mortgage | D | 6 | 1 | 66.7% | 9.00% |
| 19 | Navy Federal Credit Union | D | 6 | 4 | 16.7% | 7.69% |
| 20 | Freedom Mortgage | B | 5 | 3 | 0.0% | 6.25% |
| 21 | Coastal Community Bank | C | 5 | 1 | 0.0% | 7.49% |
Best approval odds in St. James Parish
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First American Bank and Trust | 104 | 5.8% |
What St. James Parish borrowers applied for
By loan purpose
By loan type
Why applications were denied
St. James Parish by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 589 | 238 | 37.2% | 6.88% | $105,000 |
| 2024 | 591 | 287 | 28.3% | 7.00% | $105,000 |
| 2025 | 564 | 253 | 30.1% | 6.63% | $105,000 |
Frequently asked questions
30.1% of applications in St. James Parish were denied in 2025, against 22.2% statewide in Louisiana.
First American Bank and Trust, with 114 applications in 2025 and a denial rate of 5.3%.
The median mortgage application in St. James Parish in 2025 was for $105,000; the median property value on originated loans was $225,000.