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2024 data HMDA 2024 disclosure official source

Ouachita Parish

4,415 mortgage applications, 16.6% denial rate. Verify FIPS 22073 with U.S. Census Bureau →

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Louisiana · FIPS 22073

Local mortgage market. Ouachita Parish, Louisiana saw 4,415 HMDA-reported mortgage applications in 2024. Lenders originated 2,223 of those loans and denied 735, producing a denial rate of 16.6% and an approval (origination) rate of 50.4%. The average loan amount was $185,179 at an average note rate of 7.01%, with applicants self-reporting average annual income of $37K. 139 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.0x, meaning typical borrowers took on mortgages of about 5.0 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 22073 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

4,415
Applications
2,223
Originated
16.6%
Denial Rate
50.4%
Approval Rate
$185,179
Avg Loan Amount
7.01%
Avg Interest Rate
$37K
Avg Applicant Income
5.0x
Loan-to-Income Ratio

Nearby Lenders in Ouachita 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 Eagle Bank and Trust Company 285 12.8%
2 Origin Bank 179 8.1%
3 Guaranty Bank & Trust Company of Delhi, Louisiana 160 7.2%
4 Movement Mortgage, LLC 106 4.8%
5 Assurance Financial Group, L.L.C. 102 4.6%
Compare Eagle Bank and Trust Company vs Origin Bank →

Frequently Asked Questions

How many mortgage applications were filed in Ouachita Parish?
In the 2024 HMDA reporting year, 4,415 mortgage applications were filed in Ouachita Parish, Louisiana. Of these, 2,223 were originated (approved and funded), while 735 were denied, resulting in a denial rate of 16.6%.
What is the mortgage denial rate in Ouachita Parish?
The mortgage denial rate in Ouachita Parish is 16.6%. The approval (origination) rate is 50.4%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Ouachita Parish?
The average mortgage loan amount in Ouachita Parish is $185,179. The average interest rate is 7.007%. The average applicant income is $37K.
What is the loan-to-income ratio in Ouachita Parish?
The average loan-to-income ratio in Ouachita Parish is 5.0x, meaning borrowers took on loans averaging 5.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Ouachita Parish?
The top mortgage lenders in Ouachita Parish by origination volume are Eagle Bank and Trust Company, Origin Bank, Guaranty Bank & Trust Company of Delhi, Louisiana. In total, 139 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.