Applications / Mortgage Analytics / Lenders / Louisiana / First Guaranty Bank
Hammond, LA · State non-member bank · FDIC · $4.1 billion assets · 172 loans in 2025
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172
loans originated, 2025
249
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Guaranty Bank made 45% fewer loans in 2025, its third straight yearly fall, while similar lenders and the whole market each grew 10%.
Originations fell from 311 to 172, a steeper drop than at almost all similar lenders (state non-member banks making between half and twice as many loans), whose count rose 10%. Its lending peaked at 500 loans in 2022. The decline could reflect a choice to lend less or weaker demand from its customers; the figures do not say which.
Hammond is its largest market, and it has lent there since 1999. Its share fell from 3.7% to 1.7%, leaving it 15 of 197 lenders; DSLD Mortgage leads. The smaller share matches the fall in its own volume.
Majority-minority areas took 20.3% of its loans, against 5.9% at similar lenders, more than at about three in four of them. Low- and moderate-income (LMI) areas took 25.0%, against 17.6%, more than at about seven in ten.
Every loan was conventional. Home purchases made up 60.5% of its lending and refinances 36.6%. Its typical loan was $155,000, below the $175,000 at similar lenders. It lent in 8 states and 17 metros.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Guaranty Bank took 249 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.5% · Refinance 36.6% · Home improvement 2.9%
Conventional 100.0% · of 172 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 | 127 | 73.8% |
| Kentucky | 18 | 10.5% |
| Texas | 12 | 7.0% |
| West Virginia | 10 | 5.8% |
| Mississippi | 2 | 1.2% |
| Georgia | 1 | 0.6% |
| Kansas | 1 | 0.6% |
| South Carolina | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Hammond | 42 |
| Baton Rouge | 11 |
| Slidell-Mandeville-Covington | 10 |
| Alexandria | 8 |
| Shreveport-Bossier City | 5 |
| Waco | 5 |
| Dallas-Plano-Irving | 3 |
| Lafayette | 3 |
| Fort Worth-Arlington-Grapevine | 2 |
| Gulfport-Biloxi | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300G8SAGXEDF5FK39 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 422433 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 314028 | 2000–2017 |
Established 12 March 1934. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: First Guaranty Bank's data.
First Guaranty Bank's data
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First Guaranty Bank 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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