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2024 data HMDA 2024 disclosure official source

Lafayette Parish

8,739 mortgage applications, 17.9% denial rate. Verify FIPS 22055 with U.S. Census Bureau →

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Louisiana · FIPS 22055

Local mortgage market. Lafayette Parish, Louisiana saw 8,739 HMDA-reported mortgage applications in 2024. Lenders originated 4,257 of those loans and denied 1,567, producing a denial rate of 17.9% and an approval (origination) rate of 48.7%. The average loan amount was $231,181 at an average note rate of 6.87%, with applicants self-reporting average annual income of $38K. 248 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 6.1x, meaning typical borrowers took on mortgages of about 6.1 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 22055 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

8,739
Applications
4,257
Originated
17.9%
Denial Rate
48.7%
Approval Rate
$231,181
Avg Loan Amount
6.87%
Avg Interest Rate
$38K
Avg Applicant Income
6.1x
Loan-to-Income Ratio

Nearby Lenders in Lafayette 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 United Wholesale Mortgage 438 10.3%
2 DSLD Mortgage LLC 381 8.9%
3 Rocket Mortgage 187 4.4%
4 First Horizon Bank 150 3.5%
5 Hancock Whitney Bank 143 3.4%
Compare United Wholesale Mortgage vs DSLD Mortgage LLC →

Frequently Asked Questions

How many mortgage applications were filed in Lafayette Parish?
In the 2024 HMDA reporting year, 8,739 mortgage applications were filed in Lafayette Parish, Louisiana. Of these, 4,257 were originated (approved and funded), while 1,567 were denied, resulting in a denial rate of 17.9%.
What is the mortgage denial rate in Lafayette Parish?
The mortgage denial rate in Lafayette Parish is 17.9%. The approval (origination) rate is 48.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Lafayette Parish?
The average mortgage loan amount in Lafayette Parish is $231,181. The average interest rate is 6.865%. The average applicant income is $38K.
What is the loan-to-income ratio in Lafayette Parish?
The average loan-to-income ratio in Lafayette Parish is 6.1x, meaning borrowers took on loans averaging 6.1 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Lafayette Parish?
The top mortgage lenders in Lafayette Parish by origination volume are United Wholesale Mortgage, DSLD Mortgage LLC, Rocket Mortgage. In total, 248 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.