Applications / Mortgage Analytics / Lenders / Louisiana / Bank of St. Francisville
Saint Francisville, LA · State non-member bank · FDIC · $377 million assets · 62 loans in 2025
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62
loans originated, 2025
85
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of St. Francisville is a very small lender making large loans, with a typical loan of $280,000 against $165,000 for similar lenders, and holds a modest place in Baton Rouge.
It made 62 loans, close to the 65 typical of similar lenders (state non-member banks making between half and twice as many loans), yet its $26.9 million total is higher than about seven in ten of them. Its typical loan of $280,000 is higher than about four in five. That may reflect larger homes or higher-value properties around Baton Rouge rather than starter homes.
25.8% of its loans were in majority-minority tracts, against 6.5% for similar lenders, while 4.7% went to LMI (low- and moderate-income) borrowers, against 26.9%, among the lowest tenth. With 62 loans these shares rest on few borrowers. Larger loans to higher-income buyers, and the particular parishes and counties it lends in, are possible explanations.
It ranks 32 of 369 in Baton Rouge with a 0.7% share, down 0.1 points, behind United Wholesale Mortgage, GMFS and Hancock Whitney Bank. Its other markets hold far fewer of its loans.
It filed no HMDA report for 2020 through 2022, which a bank making few loans may lawfully skip, so those years are gaps rather than years without lending. It reported 114 loans in 2023 then 61 in 2024 and 62 in 2025. Originations rose 2% in 2025, against 8% for similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Bank of St. Francisville took 85 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 67.7% · Refinance 24.2% · Home improvement 4.8% · Other 3.2%
Conventional 100.0% · of 62 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 | 55 | 88.7% |
| Mississippi | 5 | 8.1% |
| Georgia | 1 | 1.6% |
| Oklahoma | 1 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baton Rouge | 55 |
| Jackson | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KPBBGW1ZTEPR29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 364430 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 322739 | 2004–2017 |
Established 30 October 1978. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Bank of St. Francisville's data.
Bank of St. Francisville's data
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Bank of St. Francisville 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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