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2024 data HMDA 2024 disclosure official source

Richland Parish

583 mortgage applications, 32.8% denial rate. Verify FIPS 22083 with U.S. Census Bureau →

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Louisiana · FIPS 22083

Local mortgage market. Richland Parish, Louisiana saw 583 HMDA-reported mortgage applications in 2024. Lenders originated 215 of those loans and denied 191, producing a denial rate of 32.8% and an approval (origination) rate of 36.9%. The average loan amount was $138,259 at an average note rate of 7.19%, with applicants self-reporting average annual income of $38K. 49 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.6x, meaning typical borrowers took on mortgages of about 3.6 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 22083 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

583
Applications
215
Originated
32.8%
Denial Rate
36.9%
Approval Rate
$138,259
Avg Loan Amount
7.19%
Avg Interest Rate
$38K
Avg Applicant Income
3.6x
Loan-to-Income Ratio

Nearby Lenders in Richland 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 Citizens Progressive Bank 24 11.2%
2 Guaranty Bank & Trust Company of Delhi, Louisiana 24 11.2%
3 Assurance Financial Group, L.L.C. 14 6.5%
4 Newrez LLC 10 4.7%
5 Cadence Bank 10 4.7%
Compare Citizens Progressive Bank vs Guaranty Bank & Trust Company of Delhi, Louisiana →

Frequently Asked Questions

How many mortgage applications were filed in Richland Parish?
In the 2024 HMDA reporting year, 583 mortgage applications were filed in Richland Parish, Louisiana. Of these, 215 were originated (approved and funded), while 191 were denied, resulting in a denial rate of 32.8%.
What is the mortgage denial rate in Richland Parish?
The mortgage denial rate in Richland Parish is 32.8%. The approval (origination) rate is 36.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Richland Parish?
The average mortgage loan amount in Richland Parish is $138,259. The average interest rate is 7.190%. The average applicant income is $38K.
What is the loan-to-income ratio in Richland Parish?
The average loan-to-income ratio in Richland Parish is 3.6x, meaning borrowers took on loans averaging 3.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Richland Parish?
The top mortgage lenders in Richland Parish by origination volume are Citizens Progressive Bank, Guaranty Bank & Trust Company of Delhi, Louisiana, Assurance Financial Group, L.L.C.. 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.