Applications / Mortgage Analytics / Lenders / Louisiana / Concordia Bank & Trust Company
Vidalia, LA · State non-member bank · FDIC · $650 million assets · 131 loans in 2025
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131
loans originated, 2025
180
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Concordia Bank & Trust Company makes small loans, a typical one just $65,000, and nearly half of them in majority-minority neighborhoods.
Its typical loan, $65,000, was among the smallest of similar lenders, state non-member banks making between half and twice as many loans, whose typical loan was $175,000. Manufactured homes were 13.7% of its loans, against 3.0% at its peers. Refinances made up 54.2%.
Majority-minority neighborhoods took 46.6% of its loans, against 5.4% at similar lenders, higher than more than nine in ten of them. Low- and moderate-income (LMI) neighborhoods took 33.9%, against 17.6%. The parts of Louisiana and Mississippi it serves may explain both. LMI borrowers took 29.9%, near the middle of its peers.
It made 131 loans, up 13% from 116, while similar lenders grew 9%. Its dollar volume rose to $23.0 million from $12.2 million. It first reported in 2020, with 179 loans, and made between 165 and 182 a year until 2023.
In Baton Rouge, LA, its largest metro market, its share rose to 0.2% from 0.1%; it ranked 90 of 369 lenders. In non-metro Mississippi it ranked 95 of 438, behind Renasant Bank.
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, 2020–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Concordia Bank & Trust Company took 180 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 54.2% · Purchase 29.8% · Other 8.4% · Home improvement 7.6%
Conventional 100.0% · of 131 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 | 66 | 50.4% |
| Mississippi | 65 | 49.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baton Rouge | 7 |
| New Orleans-Metairie | 2 |
| Jackson | 1 |
| Slidell-Mandeville-Covington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900B631B05UVLUA59 | 2020–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 819556 | 2022–2023 |
Established 1 July 1903. Reported under HMDA 2020-2025.
Mergers, name changes, data editions and corrections: Concordia Bank & Trust Company's data.
Concordia Bank & Trust Company's data
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Concordia Bank & 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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