Applications / Mortgage Analytics / Lenders / Louisiana / Home Bank
Lafayette, LA · National bank · OCC · $3.5 billion assets · 282 loans in 2025
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282
loans originated, 2025
401
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Home Bank, a Louisiana national bank, ranks 11 of 280 lenders in Lafayette and lends in poorer and majority-minority areas far more often than similar banks.
In Lafayette, where it has lent since at least 1990, it held 1.8% of lending, against 1.9% in 2024. In New Orleans-Metairie its share fell from 1.3% to 0.7%, ranking 27 of 371. Its dollar total fell from $99.1 million to $84.3 million, which could account for much of the slip. Because shares are measured in dollars, a few large loans by rivals can also move them.
It made 282 loans, down 3%, while similar lenders (national banks making between half and twice as many loans) grew 5%. Its count peaked at 897 in 2020.
Low- and moderate-income (LMI) areas took 24.8% of its loans, against 16.2% at peers, higher than at more than four in five similar lenders. Majority-minority areas took 30.5%, against 7.3%. LMI borrowers took 20.9%, against 25.8%.
Purchases made up 61.0% of its loans and refinances 36.2%, almost all conventional. Its typical loan was $225,000, against $200,000 at peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Home Bank took 401 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.0% · Refinance 36.2% · Home improvement 1.4% · Other 1.4%
Conventional 99.3% · USDA (RHS or FSA) 0.7% · of 282 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 | 250 | 88.7% |
| Texas | 17 | 6.0% |
| Mississippi | 11 | 3.9% |
| Alabama | 1 | 0.4% |
| Arkansas | 1 | 0.4% |
| Florida | 1 | 0.4% |
| Georgia | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette | 108 |
| New Orleans-Metairie | 72 |
| Baton Rouge | 30 |
| Houston-Pasadena-The Woodlands | 14 |
| Slidell-Mandeville-Covington | 13 |
| Lake Charles | 8 |
| Dallas-Plano-Irving | 2 |
| Hammond | 2 |
| Alexandria | 1 |
| Houma-Bayou Cane-Thibodaux | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300II7Y8V2KY9TM28 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 929978 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 4890 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1700890 | 2011–2015 |
| Respondent ID (the HMDA filer code before 2018) | 125106 | 2016–2017 |
Established 1 January 1908. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Home Bank's data.
Home Bank's data
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Home 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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