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2024 data HMDA 2024 disclosure official source

West Baton Rouge Parish

1,060 mortgage applications, 18.5% denial rate. Verify FIPS 22121 with U.S. Census Bureau →

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Louisiana · FIPS 22121

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.

FIPS 22121 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,060
Applications
469
Originated
18.5%
Denial Rate
44.2%
Approval Rate
$202,047
Avg Loan Amount
6.92%
Avg Interest Rate
$38K
Avg Applicant Income
5.3x
Loan-to-Income Ratio

Nearby Lenders in West Baton Rouge 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 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%
Compare DSLD Mortgage LLC vs Gmfs, LLC →

Frequently Asked Questions

How many mortgage applications were filed in West Baton Rouge Parish?
In the 2024 HMDA reporting year, 1,060 mortgage applications were filed in West Baton Rouge Parish, Louisiana. Of these, 469 were originated (approved and funded), while 196 were denied, resulting in a denial rate of 18.5%.
What is the mortgage denial rate in West Baton Rouge Parish?
The mortgage denial rate in West Baton Rouge Parish is 18.5%. The approval (origination) rate is 44.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in West Baton Rouge Parish?
The average mortgage loan amount in West Baton Rouge Parish is $202,047. The average interest rate is 6.925%. The average applicant income is $38K.
What is the loan-to-income ratio in West Baton Rouge Parish?
The average loan-to-income ratio in West Baton Rouge Parish is 5.3x, meaning borrowers took on loans averaging 5.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in West Baton Rouge Parish?
The top mortgage lenders in West Baton Rouge Parish by origination volume are DSLD Mortgage LLC, Gmfs, LLC, Gulf Coast Bank and Trust. In total, 103 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.