New Orleans-Metairie Mortgage Lending in 2025

Explore mortgage lending activity in New Orleans-Metairie (MSA/MD Code 35380) using official HMDA public records. Review underwriting outcomes, borrower characteristics, and regional lending benchmarks.

Source: Federal Financial Institutions Examination Council (FFIEC) / Consumer Financial Protection Bureau (CFPB) • Dataset: 2025 Snapshot National Loan-Level Dataset • Updated: June 2, 2026 • Methodology →
Metropolitan Area 35380
7,236 Loans Originated
• Primary State: Louisiana (LA)
• $2.24 Billion Originated Volume
• $255,000 Median Loan
Actionable Applications 9,904 +2.38% vs 2024
Approval Rate 77.32% +0.76 pp vs 2024
Denial Rate 22.68% -0.76 pp vs 2024
Loan Originations 7,236 +3.14% vs 2024
Originated Volume $2.24 Billion +9.01% vs 2024

Credit Decision Outcomes (2025)

Outcomes for 9,904 actionable applications (Actions 1, 2, and 3).

77.32%
22.68%
7,658 approved 2,246 denied
Action 1: Originated
7,236 (73.06%)
Action 2: Approved not accepted
422 (4.26%)
Action 3: Denied
2,246 (22.68%)
Action 4: Withdrawn (not in denominator)
2,390 —
Action 5: Incomplete (not in denominator)
953 —
How to read this: Approval rate uses Actions 1, 2, and 3. Actions 4 and 5 are excluded from the credit decision denominator. Read the full methodology →

How New Orleans-Metairie Compares

Metro vs. State Baseline (2025)

Metric New Orleans-Metairie Louisiana
Actionable Apps 9,904 66,372
Approval Rate 77.32% 71.50%
Denial Rate 22.68% 28.50%
Originations 7,236 43,573
Originated Volume $2.24 Billion $11.29 Billion
Median Loan $255,000 $225,000
Compared against Louisiana statewide baseline in 2025.

Lending Trends in New Orleans-Metairie

Year-over-year shifts: 2025 vs. 2024

Metric 2024 2025 Change
Consumer Universe 12,686 13,247 +4.42%
Actionable Apps 9,674 9,904 +2.38%
Originations 7,016 7,236 +3.14%
Approval Rate 76.56% 77.32% +0.76 pp
Denial Rate 23.44% 22.68% -0.76 pp
Median Loan $245,000 $255,000 +4.08%
Dollar Volume $2.06 Billion $2.24 Billion +9.01%

Applications by Borrower Income (New Orleans-Metairie)

Approval and denial rates across gross annual income tiers (2025)

Income Bracket Apps Approval % Denial %
$100k–$149,999 1,934 84.13% 15.87%
$150k+ 2,227 90.03% 9.97%
$50k–$99,999 3,806 76.83% 23.17%
<$50k 1,395 46.38% 53.62%
Income unavailable/entity 542 83.95% 16.05%
Gross annual borrower income relied upon during credit underwriting. Descriptive figures only; does not establish causation.

Geographic Market Context

Regional integration within Louisiana (2025)

Official Geographic Designation: Metropolitan Statistical Area / Division 35380, anchored in Louisiana (LA).
Metro Share of State Apps 14.92%
Metro Share of State Volume 19.87%
Geographic Notice: OpenFileData reports verified OMB-designated metropolitan boundaries. Detailed county-level vector choropleths are omitted unless authoritative polygon geometries and county-level consumer records are officially available, preventing data fabrication.

Parent State Association

Explore Louisiana statewide mortgage activity

New Orleans-Metairie is part of OpenFileData’s statewide coverage of Louisiana. View statewide approval benchmarks, metropolitan rankings, and institution profiles across all reporting jurisdictions.

Louisiana Statewide Overview Active Profile
Statewide Actionable Applications: 66,372
Explore Louisiana State Profile →

Methodology

Learn how HMDA credit outcomes, action codes, and consumer filters are computed.

Read Methodology →

Louisiana Profile

Compare all metropolitan areas located in Louisiana.

View State Page →

Download Data

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Methodology & Disclosures

Credit Decision Denominator Rule: Approval and denial rates are calculated strictly among actionable applications reaching a formal credit underwriting decision (Actions 1, 2, and 3: loan originated, approved but not accepted, denied). Applications withdrawn by borrower (Action 4) and closed for incompleteness (Action 5) are tracked in the broader Consumer Mortgage Universe for market completeness but excluded from credit decision rates as no underwriting decision occurred.

Official Data Source & Freeze Date: Official Home Mortgage Disclosure Act (HMDA) records published by the Federal Financial Institutions Examination Council (FFIEC) and Consumer Financial Protection Bureau (CFPB). Primary analysis uses the 2025 Snapshot National Loan-Level Dataset (frozen June 2, 2026); historical baseline uses the 2024 One-Year National Loan-Level Dataset (frozen June 2, 2026).

Public Interest Commitment: OpenFileData does not sell mortgage leads, lender placements, paid rankings, or individualized mortgage recommendations.

For complete technical formulas, SQL implementations, and data definitions, read the full Mortgage Lending Methodology Specification.