Winn Parish
Louisiana · FIPS 22127
According to CFPB HMDA 2024 application volume among U.S. counties, Winn Parish ranks #2,384 of 3,210, and #57 of 64 in Louisiana.
Mortgage lending activity in Winn 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. Winn Parish, Louisiana saw 291 HMDA-reported mortgage applications in 2024. Lenders originated 81 of those loans and denied 109, producing a denial rate of 37.5% and an approval (origination) rate of 27.8%. The average loan amount was $129,570 at an average note rate of 7.94%, 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 3.6x, meaning typical borrowers took on mortgages of about 3.6 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 Winn Parish
In Winn Parish, lead originator 21st Mortgage funded 13.6% of 81 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 25.9% 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 Winn Parish's 291 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Winn Parish's $129,570 average loan (deduped against volume peers).
Lenders active in Winn Parish
21st Mortgage funded 11 of the 81 loans originated in Winn Parish, 13.6% of the county. 36 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | 21st Mortgage | 11 | 13.6% |
| 2 | Fairway Independent Mort CORP | 6 | 7.4% |
| 3 | BOM Bank | 4 | 4.9% |
| 4 | Rocket Mortgage | 4 | 4.9% |
| 5 | Gmfs, LLC | 4 | 4.9% |
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 Winn 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 Winn 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.