---
title: Atlas Commons research objects — banking & mortgage lending for Louisiana
license: CC0-1.0
source: FDIC BankFind
---

# Atlas Commons research objects — banking & mortgage lending for Louisiana

Louisiana's banking and mortgage-lending from FDIC BankFind + FFIEC HMDA, with each figure's status labeled: the FDIC institution counts, HMDA origination volumes, and HMDA-published demographic denial rates are measured facts; the computed ratios — the RAW Black/White denial disparity and the mean loan size — are in-house calculations, and the disparity is NOT risk-adjusted and NOT a finding of discrimination (its falsifier says so plainly); the boundary note is context. The raw disparity is labeled computed, never an official fact — that distinction is the whole point of this surface. Source: FDIC BankFind + FFIEC HMDA. CC0.

## Claims

### 547 FDIC-insured institutions (105 active) are recorded in Louisiana

**RECORDED.** FDIC BankFind records 547 FDIC-insured institutions historically associated with Louisiana, of which 105 are currently active. A re-tally of FDIC records.

Source: FDIC BankFind — https://banks.data.fdic.gov/
Falsifier: A RECORD of measured/reported events (occurred=true) from FDIC BankFind; superseded when FDIC BankFind publishes its next release.

### FDIC institution counts by bank class in Louisiana: NM 281, SL 128, N 76, SB 46, SM 10, SI 6

**RECORDED.** Counts of institutions by FDIC bank class: NM 281, SL 128, N 76, SB 46, SM 10, SI 6. A count per FDIC-defined class.

Source: FDIC BankFind — https://banks.data.fdic.gov/
Falsifier: A RECORD of measured/reported events (occurred=true) from FDIC BankFind; superseded when FDIC BankFind publishes its next release.

### 62,347 mortgages totaling $14.6B were originated in Louisiana (2024, HMDA)

**RECORDED.** HMDA records 62,347 originated mortgages totaling $14,591,405,000 in Louisiana for 2024. A re-tally of reported loan originations.

Source: FFIEC HMDA (2024) — https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=LA
Falsifier: A RECORD of measured/reported events (occurred=true) from FFIEC HMDA (2024); superseded when FFIEC HMDA (2024) publishes its next release.

### HMDA mortgage denial rate in Louisiana (2024) is 31.92% (White 25.33%, Black 48.16%)

**RECORDED.** The HMDA-reported mortgage application denial rate for Louisiana in 2024 is 31.92%, by applicant race: White 25.33%, Black 48.16%. FFIEC publishes these demographic denial rates from reported loan records.

Source: FFIEC HMDA (2024) — https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=LA
Falsifier: A RECORD of measured/reported events (occurred=true) from FFIEC HMDA (2024); superseded when FFIEC HMDA (2024) publishes its next release.

### Black applicants were denied mortgages 1.90× as often as White applicants in Louisiana (2024) — a raw derived ratio

**DERIVED.** Dividing the Black denial rate (48.16%) by the White denial rate (25.33%) gives a raw disparity of 1.901× in Louisiana for 2024. This is a RAW ratio of two published rates — it is NOT risk-adjusted for income, credit history, loan-to-value, or property, and FFIEC does not publish it as a finding.

Source: Finance Atlas — derived disparity ratio (Black denial rate ÷ White denial rate, both HMDA) — https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=LA
Falsifier: occurred=FALSE (a constructed ratio, not an event) and adjudged=FALSE (the atlas's calculation, NOT an FFIEC/CFPB finding of discrimination). Reproduce: 48.16% ÷ 25.33% = 1.901×. CRUCIAL SCOPE: a raw denial-rate gap is NOT evidence of illegal discrimination — it does not control for income, credit, LTV, or loan type; a fair-lending conclusion requires a controlled analysis this ratio does not perform.

### Average originated mortgage size in Louisiana (2024) is $234,035 — a computed mean

**DERIVED.** Dividing total origination volume by the originated count yields a mean loan size of $234,035 in Louisiana for 2024. A computed mean, not a published HMDA figure.

Source: Finance Atlas — derived mean (origination volume ÷ originated count, HMDA) — https://ffiec.cfpb.gov/data-browser/data/2024?category=states&items=LA
Falsifier: occurred=FALSE (a calculation, not an event) and adjudged=FALSE (a transparent in-house formula, not an authority's verdict — no external adjudicator). Reproduce it from its named inputs; falsified if the formula or inputs are wrong. Lower warrant than the adjudged figures above.

### What these finance figures are — and are NOT — for Louisiana (the epistemic boundary)

**INTERPRETATION.** The figures above describe FDIC-insured institutions and HMDA-reported mortgage lending for Louisiana. They are NOT a verdict on any lender, NOT evidence of illegal discrimination (the denial disparity is a raw, unadjusted ratio), and NOT advice on your own loan. If you believe you faced lending discrimination, file with the CFPB (consumerfinance.gov/complaint) or find a HUD-approved counselor; for the underlying records, use the FFIEC HMDA data browser and FDIC BankFind.

Source: Finance Atlas framing (over the FDIC/HMDA facts above) — https://finance-atlas.ryanjhunter.workers.dev/
Falsifier: occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not an FFIEC/FDIC verdict) — the LOWEST-warrant claim here. The figures above are FDIC/HMDA records plus two disclosed derived ratios; the four-status labels each, and this is the only interpretation.

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Every claim above carries a four-status warrant (RECORDED / MODELED / DERIVED / INTERPRETATION) and a named source you can re-fetch — this is a research object, not a flat fact. Structured: `https://finance-atlas.ryanjhunter.workers.dev/finance/states/la.jsonld`

## Data

### Louisiana — every banking & mortgage-lending figure (typed)

Each official figure for this state with its four-status warrant and named source. RECORDED = a published FDIC/HMDA total or rate; DERIVED = an in-house ratio over published rates (the disparity is NOT risk-adjusted and NOT a finding of discrimination).

| figure | value | warrant | source |
| --- | --- | --- | --- |
| FDIC-insured institutions (total, historical) | 547 | RECORDED | FDIC BankFind |
| FDIC-insured institutions (active) | 105 | RECORDED | FDIC BankFind |
| Mortgages originated | 62347 | RECORDED | FFIEC HMDA (2024) |
| Mortgage origination volume (USD) | 14591405000 | RECORDED | FFIEC HMDA (2024) |
| Mortgage denial rate (overall) | 31.92% | RECORDED | FFIEC HMDA (2024) |
| Mortgage denial rate (White applicants) | 25.33% | RECORDED | FFIEC HMDA (2024) |
| Mortgage denial rate (Black applicants) | 48.16% | RECORDED | FFIEC HMDA (2024) |
| Black/White denial disparity (raw, not risk-adjusted) | 1.90× | DERIVED | Finance Atlas — Black denial rate ÷ White denial rate (HMDA) |
| Average originated mortgage size (USD, computed mean) | 234035 | DERIVED | Finance Atlas — origination volume ÷ originated count (HMDA) |

### Louisiana — FDIC institutions by bank class (RECORDED)

RECORDED counts of FDIC-insured institutions historically associated with the state, by FDIC-defined bank class (NM = state nonmember, N = national, SM = state member, SB = savings bank, SL = savings & loan, …).

| bank_class | institutions |
| --- | --- |
| NM | 281 |
| SL | 128 |
| N | 76 |
| SB | 46 |
| SM | 10 |
| SI | 6 |