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2024 data HMDA 2024 disclosure official source

West Carroll Parish

268 mortgage applications, 25.8% denial rate. Verify FIPS 22123 with U.S. Census Bureau →

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Louisiana · FIPS 22123

Local mortgage market. West Carroll Parish, Louisiana saw 268 HMDA-reported mortgage applications in 2024. Lenders originated 99 of those loans and denied 69, producing a denial rate of 25.8% and an approval (origination) rate of 36.9%. The average loan amount was $109,104 at an average note rate of 7.07%, with applicants self-reporting average annual income of $36K. 36 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 3.0x, meaning typical borrowers took on mortgages of about 3.0 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 22123 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

268
Applications
99
Originated
25.8%
Denial Rate
36.9%
Approval Rate
$109,104
Avg Loan Amount
7.07%
Avg Interest Rate
$36K
Avg Applicant Income
3.0x
Loan-to-Income Ratio

Nearby Lenders in West Carroll 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 Guaranty Bank & Trust Company of Delhi, Louisiana 20 20.2%
2 Eagle Bank and Trust Company 9 9.1%
3 Commercial Capital Bank 7 7.1%
4 Planet Home Lending, LLC 6 6.1%
5 Assurance Financial Group, L.L.C. 5 5.1%
Compare Guaranty Bank & Trust Company of Delhi, Louisiana vs Eagle Bank and Trust Company →

Frequently Asked Questions

How many mortgage applications were filed in West Carroll Parish?
In the 2024 HMDA reporting year, 268 mortgage applications were filed in West Carroll Parish, Louisiana. Of these, 99 were originated (approved and funded), while 69 were denied, resulting in a denial rate of 25.8%.
What is the mortgage denial rate in West Carroll Parish?
The mortgage denial rate in West Carroll Parish is 25.8%. The approval (origination) rate is 36.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in West Carroll Parish?
The average mortgage loan amount in West Carroll Parish is $109,104. The average interest rate is 7.071%. The average applicant income is $36K.
What is the loan-to-income ratio in West Carroll Parish?
The average loan-to-income ratio in West Carroll Parish is 3.0x, meaning borrowers took on loans averaging 3.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in West Carroll Parish?
The top mortgage lenders in West Carroll Parish by origination volume are Guaranty Bank & Trust Company of Delhi, Louisiana, Eagle Bank and Trust Company, Commercial Capital Bank. In total, 36 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.