Applications / Mortgage Analytics / Lenders / Louisiana / JD Bank
Jennings, LA · State non-member bank · FDIC · $1.3 billion assets · 170 loans in 2025
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170
loans originated, 2025
254
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
JD Bank lends small sums, often on manufactured homes, which made up 23.5% of its loans in 2025, far more than at similar banks.
Its typical loan was $75,000, against $175,000 at similar lenders, state non-member banks making between half and twice as many loans; nearly all of them lent more. Manufactured homes were 23.5% of its loans, against 2.6%. Refinances made up more than half.
It made 170 loans, down 17%, while similar lenders and the whole market each grew 10%. Its dollar total more than halved, to $26.1 million from $54.7 million. The bank made 531 loans in 2018; the figures do not show why the count has fallen.
In Lake Charles, where it ranks 21 of 208 lenders, its share edged up to 1.6% from 1.5%. Its share fell to 0.1% in Baton Rouge and to 0.2% in Lafayette. Its smaller total lending is one possible reason.
Low- and moderate-income (LMI) neighborhoods took 29.2% of its loans, against 17.3% at peers, and majority-minority neighborhoods 26.5%, against 5.4%, more than at four in five similar lenders. Only 20.9% of its loans went to LMI borrowers, against 27.9%. Its heavy refinancing, which serves people who already own their homes, and the incomes in its markets are possible reasons.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. JD Bank took 254 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 52.9% · Purchase 34.7% · Home improvement 8.8% · Other 3.5%
Conventional 100.0% · of 170 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 | 164 | 96.5% |
| Florida | 2 | 1.2% |
| Texas | 2 | 1.2% |
| Alabama | 1 | 0.6% |
| Mississippi | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lake Charles | 80 |
| Lafayette | 28 |
| Baton Rouge | 8 |
| Alexandria | 1 |
| Beaumont-Port Arthur | 1 |
| Gulfport-Biloxi | 1 |
| Mobile | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
| Shreveport-Bossier City | 1 |
| West Palm Beach-Boca Raton-Delray Beach | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RO0FORROX83086 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 980531 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316546 | 1990–2017 |
Established 12 March 1947. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: JD Bank's data.
JD Bank's data
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JD 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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