West Carroll Parish
Louisiana · FIPS 22123
According to CFPB HMDA 2024 application volume among U.S. counties, West Carroll Parish ranks #2,445 of 3,223, and #58 of 64 in Louisiana.
Mortgage lending activity in West Carroll 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 Carroll Parish, Louisiana lenders denied 69 of the applications reported here, financing the rest 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in West Carroll Parish
In West Carroll Parish, lead originator Guaranty Bank & Trust Company of Delhi, Louisiana funded 20.2% of 99 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 36.4% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to West Carroll Parish's 268 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to West Carroll Parish's $109,104 average loan (deduped against volume peers).
Lenders active in West Carroll Parish
Guaranty Bank & Trust Company of Delhi, Louisiana funded 20 of the 99 loans originated in West Carroll Parish, 20.2% of the county. 36 lenders reported activity here.
| # | 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% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For West Carroll Parish, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for West Carroll Parish borrowers. 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.