Applications / Mortgage Analytics / Lenders / Louisiana / First American Bank and Trust
Vacherie, LA · State non-member bank · FDIC · $1.4 billion assets · 482 loans in 2025
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482
loans originated, 2025
646
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First American Bank and Trust lends more in majority-minority neighborhoods than most banks its size: 28.2% of its loans, against 6.9% at similar lenders.
Refinances made up 42.5% of its loans and purchases 30.1%; home improvement took 15.8%. Its typical loan, $105,000, was smaller than at more than nine in ten similar lenders (state non-member banks making between half and twice as many loans), where it was $185,000.
Its share in majority-minority neighborhoods was higher than at more than four in five similar lenders. Low- and moderate-income (LMI) neighborhoods took 15.2% of its loans, close to their 15.7%. LMI borrowers took 18.1%, against 27.7%. A mix tilted to refinances and home improvement for people who already own homes is one possible reason.
It made 482 loans, against 486 the year before, while similar lenders grew 9% and the whole market 10%. In Houma-Bayou Cane-Thibodaux, LA its share fell to 2.9% from 3.7%, though it still ranked 10 of 170. In New Orleans-Metairie, LA it fell to 1.1% from 1.4%. Flat volume in a growing market, and small loans that add little to dollar totals, are possible reasons.
In Hammond, LA its share rose to 1.0% from 0.4%, ranking 27 of 197. It has lent there, as in each of its main markets, since at least 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First American Bank and Trust took 646 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 42.5% · Purchase 30.1% · Home improvement 15.8% · Other 11.6%
Conventional 100.0% · of 482 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 | 482 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New Orleans-Metairie | 239 |
| Houma-Bayou Cane-Thibodaux | 99 |
| Baton Rouge | 91 |
| Slidell-Mandeville-Covington | 32 |
| Hammond | 16 |
| Lafayette | 2 |
| Shreveport-Bossier City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z78KW88BIQNR50 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 101037 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38149 | 1990–2017 |
Established 3 December 1910. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First American Bank and Trust's data.
First American Bank and Trust's data
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First American Bank and Trust 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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