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2024 data HMDA 2024 disclosure official source

Madison Parish

141 mortgage applications, 36.9% denial rate. Verify FIPS 22065 with U.S. Census Bureau →

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Louisiana · FIPS 22065

Local mortgage market. Madison Parish, Louisiana saw 141 HMDA-reported mortgage applications in 2024. Lenders originated 39 of those loans and denied 52, producing a denial rate of 36.9% and an approval (origination) rate of 27.7%. The average loan amount was $112,943 at an average note rate of 6.67%, with applicants self-reporting average annual income of $38K. 21 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.0x, meaning typical borrowers took on mortgages of about 3.0 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 22065 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

141
Applications
39
Originated
36.9%
Denial Rate
27.7%
Approval Rate
$112,943
Avg Loan Amount
6.67%
Avg Interest Rate
$38K
Avg Applicant Income
3.0x
Loan-to-Income Ratio

Nearby Lenders in Madison 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 Guaranty Bank & Trust Company of Delhi, Louisiana 5 12.8%
2 Cross Keys Bank 5 12.8%
3 21st Mortgage 3 7.7%
4 Guild Mortgage Company 3 7.7%
5 Mortgage Research Center 2 5.1%
Compare Guaranty Bank & Trust Company of Delhi, Louisiana vs Cross Keys Bank →

Frequently Asked Questions

How many mortgage applications were filed in Madison Parish?
In the 2024 HMDA reporting year, 141 mortgage applications were filed in Madison Parish, Louisiana. Of these, 39 were originated (approved and funded), while 52 were denied, resulting in a denial rate of 36.9%.
What is the mortgage denial rate in Madison Parish?
The mortgage denial rate in Madison Parish is 36.9%. The approval (origination) rate is 27.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Madison Parish?
The average mortgage loan amount in Madison Parish is $112,943. The average interest rate is 6.670%. The average applicant income is $38K.
What is the loan-to-income ratio in Madison Parish?
The average loan-to-income ratio in Madison Parish is 3.0x, meaning borrowers took on loans averaging 3.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Madison Parish?
The top mortgage lenders in Madison Parish by origination volume are Guaranty Bank & Trust Company of Delhi, Louisiana, Cross Keys Bank, 21st Mortgage. In total, 21 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.