Morehouse Parish
Louisiana · FIPS 22067
According to CFPB HMDA 2024 application volume among U.S. counties, Morehouse Parish ranks #1,842 of 3,210, and #42 of 64 in Louisiana.
Mortgage lending activity in Morehouse 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. Morehouse Parish, Louisiana saw 617 HMDA-reported mortgage applications in 2024. Lenders originated 225 of those loans and denied 173, producing a denial rate of 28.0% and an approval (origination) rate of 36.5%. The average loan amount was $123,169 at an average note rate of 7.73%, with applicants self-reporting average annual income of $36K. 61 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 Morehouse Parish
In Morehouse Parish, lead originator Gmfs, LLC funded only 8.9% of 225 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 24.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Morehouse Parish's 617 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Morehouse Parish's $123,169 average loan (deduped against volume peers).
Lenders active in Morehouse Parish
Gmfs, LLC funded 20 of the 225 loans originated in Morehouse Parish, 8.9% of the county. 61 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Gmfs, LLC | 20 | 8.9% |
| 2 | Guaranty Bank & Trust Company of Delhi, Louisiana | 18 | 8.0% |
| 3 | b1BANK | 16 | 7.1% |
| 4 | Rocket Mortgage | 15 | 6.7% |
| 5 | Assurance Financial Group, L.L.C. | 10 | 4.4% |
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 Morehouse 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 Morehouse 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.