East Baton Rouge Parish
Louisiana · FIPS 22033
According to CFPB HMDA 2024 application volume among U.S. counties, East Baton Rouge Parish ranks #212 of 3,210, and #1 of 64 in Louisiana.
Mortgage lending activity in East Baton Rouge Parish, Louisiana based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. East Baton Rouge Parish, Louisiana saw 13,587 HMDA-reported mortgage applications in 2024. Lenders originated 6,686 of those loans and denied 2,154, producing a denial rate of 15.8% and an approval (origination) rate of 49.2%. The average loan amount was $251,583 at an average note rate of 6.93%, with applicants self-reporting average annual income of $38K. 295 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.6x, meaning typical borrowers took on mortgages of about 6.6 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in East Baton Rouge Parish
In East Baton Rouge Parish, lead originator Gmfs, LLC funded 11.4% of 6,686 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 22.0% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to East Baton Rouge Parish's 13,587 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to East Baton Rouge Parish's $251,583 average loan (deduped against volume peers).
Lenders active in East Baton Rouge Parish
Gmfs, LLC funded 761 of the 6,686 loans originated in East Baton Rouge Parish, 11.4% of the county. 295 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Gmfs, LLC | 761 | 11.4% |
| 2 | United Wholesale Mortgage | 397 | 5.9% |
| 3 | Hancock Whitney Bank | 315 | 4.7% |
| 4 | Assurance Financial Group, L.L.C. | 247 | 3.7% |
| 5 | EFCU Financial Federal Credit Union | 247 | 3.7% |
Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.
Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only; does not constitute financial advice for East Baton Rouge Parish borrowers.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This East Baton Rouge Parish page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.