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East Baton Rouge Parish, Louisiana
Mortgage lending record for properties in the county, calendar year 2024.
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Lenders reported 11,638 mortgage applications in East Baton Rouge Parish, Louisiana, for 2024, and originated 6,688 loans worth $1.9bn.
That is 37.7 originations per 1,000 households, against 34.6 for Louisiana and 48.0 nationally.
The county's denial rate was 23.3%, below the state rate of 30.2%. The median rate spread on originated loans was 0.4 percentage points and 11.6% of originations were 1.5 points or more above the average prime offer rate.
89 lenders reached 25 applications in the county; the most active by originations were Gmfs, LLC (761), United Wholesale Mortgage (397) and Hancock Whitney Bank (315).
Originations were up 11% on 2023.
Most active lenders
Lenders with at least 25 applications in the county, by originations; up to 40 shown of 89. Denial rate is denials over decided applications in this county.
Compared with Louisiana and the nation
| Measure | This county | Louisiana | United States |
|---|---|---|---|
| Denial rate | 23.3% | 30.2% | 24.3% |
| Median rate spread, pp | 0.4 | 0.4 | 0.3 |
| Originations with spread of 1.5 pp or more | 11.6% | 17.0% | 15.6% |
| Average originated loan | $288k | $234k | $329k |
| Originations per 1,000 households | 37.7 | 34.6 | 48.0 |
| Home purchase share of originations | 65.6% | 63.7% | 57.0% |
| FHA-insured share | 20.8% | 20.7% | 13.4% |
| VA-guaranteed share | 6.0% | 9.3% | 7.9% |
Rate spread distribution
Share of 5,176 originated loans with a reported rate spread, by spread over the average prime offer rate (outlined bar: Louisiana). Loans at 1.5 points or more on a first lien are what Regulation C calls higher-priced.
Loan purpose and loan type
By purpose
Home purchase 66% (4,388)Home improvement 5% (337)Refinancing 11% (758)Cash-out refinancing 9% (617)Other purpose 9% (588)
By type
Conventional 70% (4,713)FHA 21% (1,391)VA 6% (401)USDA 3% (183)
Trend by year
ApplicationsOriginations
This countyLouisiana
Questions and answers
Which lenders are most active in East Baton Rouge Parish, LA?
By 2024 originations: Gmfs, LLC (761), United Wholesale Mortgage (397), Hancock Whitney Bank (315), EFCU Financial Federal Credit Union (247), Assurance Financial Group, L.L.C. (247). 89 lenders had at least 25 applications in the county.
What is the mortgage denial rate in East Baton Rouge Parish?
23.3% of decided applications were denied in 2024, against 30.2% across Louisiana and 24.3% nationally.
How many mortgages were originated in East Baton Rouge Parish in 2024?
6,688 loans totalling $1.9bn, from 11,638 applications; 37.7 originations per 1,000 households.
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), by property county; households from the Census Bureau American Community Survey 2024 five-year estimates.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records with a property in county FIPS 22033; households and population from the U.S. Census Bureau (ACS 2024 five-year estimates; Vintage 2024 population estimates). Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.