Orleans Parish
Louisiana · FIPS 22071
According to CFPB HMDA 2024 application volume among U.S. counties, Orleans Parish ranks #306 of 3,210, and #4 of 64 in Louisiana.
Mortgage lending activity in Orleans 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. Orleans Parish, Louisiana saw 9,589 HMDA-reported mortgage applications in 2024. Lenders originated 4,206 of those loans and denied 2,013, producing a denial rate of 21.0% and an approval (origination) rate of 43.9%. The average loan amount was $293,886 at an average note rate of 7.23%, with applicants self-reporting average annual income of $38K. 279 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 7.7x, meaning typical borrowers took on mortgages of about 7.7 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 Orleans Parish
In Orleans Parish, lead originator Gulf Coast Bank and Trust funded only 7.1% of 4,206 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 20.0% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Orleans Parish's 9,589 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Orleans Parish's $293,886 average loan (deduped against volume peers).
Lenders active in Orleans Parish
Gulf Coast Bank and Trust funded 299 of the 4,206 loans originated in Orleans Parish, 7.1% of the county. 279 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Gulf Coast Bank and Trust | 299 | 7.1% |
| 2 | Fidelity Bank | 287 | 6.8% |
| 3 | United Wholesale Mortgage | 256 | 6.1% |
| 4 | Hancock Whitney Bank | 225 | 5.3% |
| 5 | First Horizon Bank | 220 | 5.2% |
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 Orleans 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 Orleans 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.