Applications / Mortgage Analytics / Lenders / Louisiana / OnPath Federal Credit Union
Metairie, LA · Credit union · NCUA · $1.2 billion assets · 404 loans in 2025
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404
loans originated, 2025
449
applications, 2025
10
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
OnPath Federal Credit Union's lending rose 126% in 2025, to 404 loans, and its typical loan is about twice the size of similar lenders'.
Originations rose from 179, against 6% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. The count had fallen to 55 in 2023. Its 2024 merger with Louisiana Federal Credit Union may account for some of the growth; that credit union's filings count in the competition figures, not in these loan counts.
Its typical loan was $230,000, against $105,000 at similar lenders, higher than at more than nine in ten. Jumbo loans (larger than the conforming limit) were 16.5% of its loans, against 0.7% in 2024 and 0.5% at peers. Purchases made up 52.2%.
In New Orleans-Metairie it ranked 9 of 371 lenders with 2.7%, up from 0.7%. In Slidell-Mandeville-Covington it ranked 20 of 277 with 1.4%, up from 0.3%. Both figures include Louisiana Federal Credit Union's filings, so part of the rise may come from the merger.
Low- and moderate-income (LMI) borrowers took 14.4% of its loans, against 27.3% at similar lenders, lower than at about nine in ten; its larger loans and jumbo lending are a possible reason. Majority-minority neighborhoods took 25.0%, against 11.7%, more than at about two-thirds of peers.
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, 2019–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. OnPath Federal Credit Union took 449 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.2% · Other 33.2% · Refinance 14.6%
Conventional 100.0% · of 404 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 | 374 | 92.6% |
| Florida | 10 | 2.5% |
| Mississippi | 6 | 1.5% |
| Alabama | 3 | 0.7% |
| Tennessee | 3 | 0.7% |
| Texas | 3 | 0.7% |
| Massachusetts | 2 | 0.5% |
| Maine | 1 | 0.2% |
| New Mexico | 1 | 0.2% |
| Virginia | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New Orleans-Metairie | 253 |
| Slidell-Mandeville-Covington | 65 |
| Baton Rouge | 27 |
| Hammond | 19 |
| Houma-Bayou Cane-Thibodaux | 5 |
| Gulfport-Biloxi | 4 |
| Crestview-Fort Walton Beach-Destin | 3 |
| Jacksonville | 3 |
| Daphne-Fairhope-Foley | 2 |
| Lafayette | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900ZKVJDEYHV22276 | 2019–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 822882 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 514692 | 1990–2016 |
Established 1 January 1961. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: OnPath Federal Credit Union's data.
OnPath Federal Credit Union's data
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OnPath Federal Credit Union 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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