We investigate the cosmological implications of a tanh-parametrized scalar field model in the framework of modified $f(Q, L_{m})$ gravity by adopting the form $f(Q, L_{m})=\beta Q+\delta L_{m}$ along with a scalar field energy density $\rho _{\phi }= \rho _{c0} \tanh (A + Bz)$ . Using MCMC methods and combining 31 cosmic chronometer data points, 15 BAO, DESI DR2 BAO and 1701 Pantheon+ samples, we constrain the model parameters and obtain $H_{0}=74.284^{+4.155}_{-4.275}$ , $\Omega _{m0}=0.326^{+0.093}_{-0.072}$ and $B=-0.001^{+0.030}_{-0.030}$ . The model predicts a transition redshift $z_{tr}=0.5914$ and a present deceleration parameter $q_{0}=-0.5167$ , consistent with a Universe transitioning from deceleration to acceleration. We further analyze the evolution of the EoS parameter, density components and statefinder diagnostics in which all parameters show asymptotic convergence to a de Sitter phase. Additionally, we study black hole mass accretion within an effective framework, showing its dependence on the scalar field dynamics governed by the cosmological evolution. This work highlights the compatibility of tanh-scalar field forms with $f(Q, L_{m})$ gravity in describing cosmic acceleration and gravitational phenomena.