PlainLender
2024 data HMDA 2024 disclosure official source

Webster Parish

1,087 mortgage applications, 23.6% denial rate. Verify FIPS 22119 with U.S. Census Bureau →

PlainLender home → About this data

Louisiana · FIPS 22119

Local mortgage market. Webster Parish, Louisiana saw 1,087 HMDA-reported mortgage applications in 2024. Lenders originated 479 of those loans and denied 257, producing a denial rate of 23.6% and an approval (origination) rate of 44.1%. The average loan amount was $140,943 at an average note rate of 7.46%, with applicants self-reporting average annual income of $36K. 85 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.9x, meaning typical borrowers took on mortgages of about 3.9 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 22119 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,087
Applications
479
Originated
23.6%
Denial Rate
44.1%
Approval Rate
$140,943
Avg Loan Amount
7.46%
Avg Interest Rate
$36K
Avg Applicant Income
3.9x
Loan-to-Income Ratio

Nearby Lenders in Webster 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 b1BANK 77 16.1%
2 Gibsland Bank & Trust 30 6.3%
3 21st Mortgage 22 4.6%
4 Rocket Mortgage 22 4.6%
5 Citizens Bank and Trust CO 21 4.4%
Compare b1BANK vs Gibsland Bank & Trust →

Frequently Asked Questions

How many mortgage applications were filed in Webster Parish?
In the 2024 HMDA reporting year, 1,087 mortgage applications were filed in Webster Parish, Louisiana. Of these, 479 were originated (approved and funded), while 257 were denied, resulting in a denial rate of 23.6%.
What is the mortgage denial rate in Webster Parish?
The mortgage denial rate in Webster Parish is 23.6%. The approval (origination) rate is 44.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Webster Parish?
The average mortgage loan amount in Webster Parish is $140,943. The average interest rate is 7.460%. The average applicant income is $36K.
What is the loan-to-income ratio in Webster Parish?
The average loan-to-income ratio in Webster Parish is 3.9x, meaning borrowers took on loans averaging 3.9 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Webster Parish?
The top mortgage lenders in Webster Parish by origination volume are b1BANK, Gibsland Bank & Trust, 21st Mortgage. In total, 85 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.