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2024 data HMDA 2024 disclosure official source

LaSalle Parish

506 mortgage applications, 23.5% denial rate. Verify FIPS 22059 with U.S. Census Bureau →

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Louisiana · FIPS 22059

Local mortgage market. LaSalle Parish, Louisiana saw 506 HMDA-reported mortgage applications in 2024. Lenders originated 261 of those loans and denied 119, producing a denial rate of 23.5% and an approval (origination) rate of 51.6%. The average loan amount was $128,360 at an average note rate of 7.26%, with applicants self-reporting average annual income of $37K. 49 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.5x, meaning typical borrowers took on mortgages of about 3.5 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 22059 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

506
Applications
261
Originated
23.5%
Denial Rate
51.6%
Approval Rate
$128,360
Avg Loan Amount
7.26%
Avg Interest Rate
$37K
Avg Applicant Income
3.5x
Loan-to-Income Ratio

Nearby Lenders in LaSalle 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 Southern Heritage Bank 76 29.1%
2 Homeland Federal Savings Bank 43 16.5%
3 CLB The Community Bank 26 10.0%
4 Guild Mortgage Company 13 5.0%
5 21st Mortgage 11 4.2%
Compare Southern Heritage Bank vs Homeland Federal Savings Bank →

Frequently Asked Questions

How many mortgage applications were filed in LaSalle Parish?
In the 2024 HMDA reporting year, 506 mortgage applications were filed in LaSalle Parish, Louisiana. Of these, 261 were originated (approved and funded), while 119 were denied, resulting in a denial rate of 23.5%.
What is the mortgage denial rate in LaSalle Parish?
The mortgage denial rate in LaSalle Parish is 23.5%. The approval (origination) rate is 51.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in LaSalle Parish?
The average mortgage loan amount in LaSalle Parish is $128,360. The average interest rate is 7.258%. The average applicant income is $37K.
What is the loan-to-income ratio in LaSalle Parish?
The average loan-to-income ratio in LaSalle Parish is 3.5x, meaning borrowers took on loans averaging 3.5 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in LaSalle Parish?
The top mortgage lenders in LaSalle Parish by origination volume are Southern Heritage Bank, Homeland Federal Savings Bank, CLB The Community Bank. In total, 49 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.