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2024 data HMDA 2024 disclosure official source

East Carroll Parish

121 mortgage applications, 41.3% denial rate. Verify FIPS 22035 with U.S. Census Bureau →

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Louisiana · FIPS 22035

Local mortgage market. East Carroll Parish, Louisiana saw 121 HMDA-reported mortgage applications in 2024. Lenders originated 28 of those loans and denied 50, producing a denial rate of 41.3% and an approval (origination) rate of 23.1%. The average loan amount was $123,264 at an average note rate of 8.04%, with applicants self-reporting average annual income of $36K. 19 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.4x, meaning typical borrowers took on mortgages of about 3.4 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.

FIPS 22035 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

121
Applications
28
Originated
41.3%
Denial Rate
23.1%
Approval Rate
$123,264
Avg Loan Amount
8.04%
Avg Interest Rate
$36K
Avg Applicant Income
3.4x
Loan-to-Income Ratio

Nearby Lenders in East Carroll Parish

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 Rocket Mortgage 3 10.7%
2 Guaranty Bank & Trust Company of Delhi, Louisiana 3 10.7%
3 Commercial Capital Bank 3 10.7%
4 21st Mortgage 2 7.1%
5 b1BANK 2 7.1%
Compare Rocket Mortgage vs Guaranty Bank & Trust Company of Delhi, Louisiana →

Frequently Asked Questions

How many mortgage applications were filed in East Carroll Parish?
In the 2024 HMDA reporting year, 121 mortgage applications were filed in East Carroll Parish, Louisiana. Of these, 28 were originated (approved and funded), while 50 were denied, resulting in a denial rate of 41.3%.
What is the mortgage denial rate in East Carroll Parish?
The mortgage denial rate in East Carroll Parish is 41.3%. The approval (origination) rate is 23.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in East Carroll Parish?
The average mortgage loan amount in East Carroll Parish is $123,264. The average interest rate is 8.038%. The average applicant income is $36K.
What is the loan-to-income ratio in East Carroll Parish?
The average loan-to-income ratio in East Carroll Parish is 3.4x, meaning borrowers took on loans averaging 3.4 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in East Carroll Parish?
The top mortgage lenders in East Carroll Parish by origination volume are Rocket Mortgage, Guaranty Bank & Trust Company of Delhi, Louisiana, Commercial Capital Bank. In total, 19 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

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.

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 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.