Applications / Mortgage Analytics / Lenders / Louisiana / Liberty Bank and Trust Company
New Orleans, LA · State non-member bank · FDIC · $1.1 billion assets · 192 loans in 2025
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192
loans originated, 2025
312
applications, 2025
19
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Liberty Bank and Trust Company, a New Orleans bank, makes almost three-quarters of its loans in majority-minority neighborhoods, a share higher than nearly every similar bank.
Majority-minority neighborhoods took 72.4% of its loans, against 6.5% at similar lenders (state non-member banks making between half and twice as many loans). Low- and moderate-income (LMI) neighborhoods took 40.9% and LMI borrowers 47.5%, both far above peers. On all three measures it was higher than more than nine in ten similar lenders.
Loans insured by the Federal Housing Administration (FHA) made up 42.2% of its lending, up from 22.5% five years earlier. The typical similar lender made none. Purchases were 82.8% of its loans.
Its loans rose 10%, as did those of similar lenders and the whole market. The amount it lent grew faster, to $57.0 million from $43.8 million. It made 276 loans five years earlier and has made between 172 and 192 a year since 2022.
In New Orleans-Metairie, LA, it ranked 45 of 371 lenders, and its share slipped to 0.4% from 0.5%. Gulf Coast Bank and Trust Company leads there. Rivals' gains may explain part of the dip. It lends across 19 states.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Liberty Bank and Trust Company took 312 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 82.8% · Refinance 13.5% · Home improvement 2.1% · Other 1.6%
Conventional 52.6% · FHA 42.2% · VA 3.6% · USDA (RHS or FSA) 1.6% · of 192 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Louisiana | 97 | 50.5% |
| Mississippi | 34 | 17.7% |
| Illinois | 19 | 9.9% |
| Georgia | 7 | 3.6% |
| Michigan | 6 | 3.1% |
| Texas | 6 | 3.1% |
| Alabama | 4 | 2.1% |
| California | 3 | 1.6% |
| Tennessee | 3 | 1.6% |
| Indiana | 2 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New Orleans-Metairie | 67 |
| Jackson | 20 |
| Baton Rouge | 18 |
| Chicago-Naperville-Schaumburg | 18 |
| Slidell-Mandeville-Covington | 7 |
| Atlanta-Sandy Springs-Roswell | 6 |
| Detroit-Dearborn-Livonia | 6 |
| Houston-Pasadena-The Woodlands | 6 |
| Memphis | 3 |
| Hattiesburg | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OJTK0IPSNDA832 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 283438 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320856 | 1990–2017 |
Established 16 November 1972. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Liberty Bank and Trust Company's data.
Liberty Bank and Trust Company's data
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Liberty Bank and Trust Company and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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