Richland Parish
Louisiana · FIPS 22083
According to CFPB HMDA 2024 application volume among U.S. counties, Richland Parish ranks #1,907 of 3,223, and #44 of 64 in Louisiana.
Mortgage lending activity in Richland 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. Richland Parish, Louisiana lenders denied 191 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Richland Parish
In Richland Parish, lead originator Citizens Progressive Bank funded 11.2% of 215 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 28.8% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Richland Parish's 583 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Richland Parish's $138,259 average loan (deduped against volume peers).
Lenders active in Richland Parish
Citizens Progressive Bank funded 24 of the 215 loans originated in Richland Parish, 11.2% of the county. 49 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Richland Parish, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Richland Parish borrowers. 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.