Vermilion Parish
Louisiana · FIPS 22113
According to CFPB HMDA 2024 application volume among U.S. counties, Vermilion Parish ranks #1,047 of 3,210, and #17 of 64 in Louisiana.
Mortgage lending activity in Vermilion 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. Vermilion Parish, Louisiana saw 1,637 HMDA-reported mortgage applications in 2024. Lenders originated 741 of those loans and denied 364, producing a denial rate of 22.2% and an approval (origination) rate of 45.3%. The average loan amount was $155,971 at an average note rate of 6.89%, with applicants self-reporting average annual income of $37K. 109 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 Vermilion Parish
In Vermilion Parish, lead originator Abbeville Building & Loan funded 11.1% of 741 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 26.9% 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 Vermilion Parish's 1,637 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Vermilion Parish's $155,971 average loan (deduped against volume peers).
Lenders active in Vermilion Parish
Abbeville Building & Loan funded 82 of the 741 loans originated in Vermilion Parish, 11.1% of the county. 109 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Abbeville Building & Loan | 82 | 11.1% |
| 2 | United Wholesale Mortgage | 75 | 10.1% |
| 3 | Vermilion Bank & Trust Company | 42 | 5.7% |
| 4 | DHI Mortgage Company, LTD. | 39 | 5.3% |
| 5 | Bank of Erath | 35 | 4.7% |
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 Vermilion 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 Vermilion 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.