Applications / Mortgage Analytics / Lenders / Louisiana / Delta Bank
Vidalia, LA · Depository institution · FDIC · 197 loans in 2025
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197
loans originated, 2025
243
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Delta Bank, which first reported in 2024, is a small Louisiana bank that mostly refinances existing mortgages; it made 197 loans in 2025, about as many as the year before.
Refinances made up 58.4% of its loans and purchases 29.9%. Every loan was conventional, with no government backing. Similar lenders here are the 12 lenders of the same type making between a quarter and four times as many loans. Delta Bank made more loans than about nine in ten of them.
Its typical loan was $95,000, against $140,000 at similar lenders, smaller than about eight in ten of them. Manufactured homes made up 12.7% of its loans, about three times the 4.1% at its peers. They may explain part of the gap.
With only two years of reports, there is little history to judge it by. Its count held level in 2025, while similar lenders made 3% fewer loans and the whole market grew 10%. It lends in 3 counties of one state.
Monroe, LA is the one metro where it lends. There it ranked 54 of 181 lenders, with 0.2% of the market, up from 0.1% in 2024. Eagle Bank and Trust Company led that market.
Similar lenders: same lender type, originations between a quarter and four times the lender's. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2024–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Delta Bank took 243 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 58.4% · Purchase 29.9% · Home improvement 8.6% · Other 3.0%
Conventional 100.0% · of 197 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 | 7 | 3.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Monroe | 7 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900MFSRXY5UZ4OS50 | 2024–2025 |
Established 10 January 1986. Reported under HMDA 2024-2025.
Mergers, name changes, data editions and corrections: Delta Bank's data.
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