Louisiana Mortgage Lending in 2025
Explore residential mortgage lending activity in Louisiana using official HMDA public records. Review underwriting credit decisions, borrower demographics, regional metro markets, and the most active lenders.
Credit Decision Outcomes (2025)
Outcomes for 66,372 actionable applications (Actions 1, 2, and 3).
How Louisiana Compares
Key metrics: Louisiana vs. U.S. (2025)
| Metric | Louisiana | U.S. |
|---|---|---|
| Actionable Apps | 66,372 | 5,197,320 |
| Approval Rate | 71.50% | 82.12% |
| Denial Rate | 28.50% | 17.88% |
| Originations | 43,573 | 4,052,301 |
| Originated Volume | $11.29 Billion | $1.58 Trillion |
| Median Loan | $225,000 | $325,000 |
Lending Trends in Louisiana
Year-over-year shifts: 2025 vs. 2024
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Consumer Universe | 81,055 | 86,863 | +7.17% |
| Actionable Apps | 62,553 | 66,372 | +6.11% |
| Originations | 40,473 | 43,573 | +7.66% |
| Approval Rate | 69.86% | 71.50% | +1.64 pp |
| Denial Rate | 30.14% | 28.50% | -1.64 pp |
| Median Loan | $225,000 | $225,000 | 0.00% |
| Dollar Volume | $10.05 Billion | $11.29 Billion | +12.31% |
Applications by Borrower Income (Louisiana)
Approval and denial rates across gross annual income tiers (2025)
| Income Bracket | Apps | Approval % | Denial % |
|---|---|---|---|
| $100k–$149,999 | 12,345 | 82.00% | 18.00% |
| $150k+ | 10,247 | 87.58% | 12.42% |
| $50k–$99,999 | 26,755 | 73.25% | 26.75% |
| <$50k | 13,006 | 42.52% | 57.48% |
| Income unavailable/entity | 4,019 | 80.39% | 19.61% |
Metropolitan Areas in Louisiana
Top metropolitan areas ranked by total actionable applications
| Metropolitan Area | Apps | Originations | Approval % |
|---|---|---|---|
| Baton Rouge | 13,682 | 9,772 | 76.72% |
| New Orleans-Metairie | 9,904 | 7,236 | 77.32% |
| Lafayette | 7,359 | 4,848 | 71.75% |
| Shreveport-Bossier City | 6,170 | 4,145 | 72.22% |
| Slidell-Mandeville-Covington | 4,896 | 3,780 | 81.50% |
| Lake Charles | 3,197 | 2,209 | 74.13% |
| Monroe | 3,147 | 1,806 | 65.20% |
| Hammond | 2,763 | 1,562 | 63.37% |
| Houma-Bayou Cane-Thibodaux | 2,713 | 1,761 | 70.07% |
| Alexandria | 2,092 | 1,297 | 68.88% |
Top Mortgage Lenders by Action 1 Originations
Institutions ranked strictly by total originated loans in Louisiana (2025)
| Rank | Lending Institution | Originations | Approval % |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 4,091 | 85.93% |
| 2 | ROCKET MORTGAGE | 2,598 | 72.51% |
| 3 | GMFS, LLC | 1,943 | 97.50% |
| 4 | DSLD Mortgage LLC | 1,844 | 92.18% |
| 5 | ASSURANCE FINANCIAL GROUP, L.L.C. | 1,201 | 94.42% |
| 6 | Eustis Mortgage Corp | 1,181 | 97.05% |
| 7 | Mortgage Research Center | 1,073 | 67.35% |
| 8 | MOVEMENT MORTGAGE, LLC | 1,060 | 98.11% |
| 9 | 21ST MORTGAGE | 1,049 | 25.47% |
| 10 | Fidelity Bank | 1,039 | 91.56% |
Methodology
Learn how HMDA credit outcomes, action codes, and consumer filters are computed.
Read Methodology →State Directory
Compare mortgage lending patterns and approval rates across the 54 reporting states and territories.
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