East Carroll Parish
Louisiana · FIPS 22035
According to CFPB HMDA 2024 application volume among U.S. counties, East Carroll Parish ranks #2,788 of 3,210, and #63 of 64 in Louisiana.
Mortgage lending activity in East Carroll 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 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in East Carroll Parish
In East Carroll Parish, lead originator Rocket Mortgage funded only 10.7% of 28 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 32.1% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to East Carroll Parish's 121 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to East Carroll Parish's $123,264 average loan (deduped against volume peers).
Lenders active in East Carroll Parish
Rocket Mortgage funded 3 of the 28 loans originated in East Carroll Parish, 10.7% of the county. 19 lenders reported activity here.
| # | 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% |
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 Carroll 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 Carroll 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.