Applications / Mortgage Analytics / Lenders / Louisiana / St. Landry Bank and Trust Company
Opelousas, LA · State non-member bank · FDIC · $299 million assets · 40 loans in 2025
St. Landry Bank and Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
40
loans originated, 2025
42
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
St. Landry Bank and Trust Company is a small Louisiana lender of modest loans, with more manufactured-home lending than most similar lenders, and its 40 loans in 2025 were its most since at least 2018.
The 40 loans compare with 27 five years earlier and a low of 14 in 2022. It filed no report for 2024, a gap in the record rather than a year without lending. Similar lenders (state non-member banks making between half and twice as many loans) made a typical 49.
Its typical loan was $105,000, about double the $55,000 of five years earlier, yet well under the $165,000 of similar lenders. Manufactured homes were 15.0% of its loans, against 2.7% for the typical peer; such loans are usually smaller, which may explain part of the gap.
20.0% of its loans were in majority-minority areas, higher than about seven in ten similar lenders, whose typical share is 6.0%. Loans in LMI (low- and moderate-income) areas were 15.8%, a little under the 19.0% peer level. With 40 loans, a few borrowers can move these shares a long way.
In Lafayette, where it has lent since 1991, its share rose to 0.1%, ranking 100 of 280 lenders, behind United Wholesale Mortgage and DSLD Mortgage. In non-metro Louisiana it ranks 84 of 316.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. St. Landry Bank and Trust Company took 42 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.5% · Purchase 45.0% · Home improvement 7.5%
Conventional 100.0% · of 40 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 | 40 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette | 14 |
| Baton Rouge | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300PI7Z6DG3QE2087 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 885430 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38534 | 1991–2017 |
Established 1 January 1931. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: St. Landry Bank and Trust Company's data.
St. Landry Bank and Trust Company's data
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St. Landry 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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