West Baton Rouge Parish
Louisiana · FIPS 22121
According to CFPB HMDA 2024 application volume among U.S. counties, West Baton Rouge Parish ranks #1,370 of 3,210, and #29 of 64 in Louisiana.
Mortgage lending activity in West Baton Rouge 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. West Baton Rouge Parish, Louisiana saw 1,060 HMDA-reported mortgage applications in 2024. Lenders originated 469 of those loans and denied 196, producing a denial rate of 18.5% and an approval (origination) rate of 44.2%. The average loan amount was $202,047 at an average note rate of 6.92%, with applicants self-reporting average annual income of $38K. 103 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.3x, meaning typical borrowers took on mortgages of about 5.3 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 West Baton Rouge Parish
In West Baton Rouge Parish, lead originator DSLD Mortgage LLC funded 14.1% of 469 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 West Baton Rouge Parish's 1,060 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to West Baton Rouge Parish's $202,047 average loan (deduped against volume peers).
Lenders active in West Baton Rouge Parish
DSLD Mortgage LLC funded 66 of the 469 loans originated in West Baton Rouge Parish, 14.1% of the county. 103 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | DSLD Mortgage LLC | 66 | 14.1% |
| 2 | Gmfs, LLC | 31 | 6.6% |
| 3 | Gulf Coast Bank and Trust | 29 | 6.2% |
| 4 | United Wholesale Mortgage | 27 | 5.8% |
| 5 | Hancock Whitney Bank | 15 | 3.2% |
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 West Baton Rouge 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 West Baton Rouge 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.