Applications / Mortgage Analytics / Lenders / Louisiana / Sabine State Bank and Trust Company
Many, LA · State non-member bank · FDIC · $1.3 billion assets · 220 loans in 2025
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220
loans originated, 2025
349
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sabine State Bank and Trust Company leans on government-backed loans and manufactured homes far more than similar banks do, and it ranks 5 of 316 lenders in non-metro Louisiana.
Only 71.4% of its loans were conventional, a lower share than at nearly all similar lenders (state non-member banks making between half and twice as many loans). FHA loans (insured by the Federal Housing Administration) made up 14.1% and RHS loans (guaranteed by the Department of Agriculture's Rural Housing Service) 13.2%; the typical peer made none. Manufactured homes took 21.4% of its loans, against 2.6% at its peers.
It ranks 5 of 316 lenders in non-metro Louisiana, a market it entered in 1999, behind United Wholesale Mortgage, Rocket Mortgage and Mortgage Research Center. In Alexandria, LA its share rose from 0.6% to 0.7%.
It made 747 loans in 2020 and 220 in 2025. In 2025 its loans fell 4% while similar lenders grew 9%. Fewer refinances, now 23.6% of its loans, could explain part of the fall since 2020, as could a choice to lend less. It still makes more loans than about two-thirds of its peers.
Majority-minority neighborhoods took 14.5% of its loans, against 6.4% at similar lenders, more than at about seven in ten of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Sabine State Bank and Trust Company took 349 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.9% · Refinance 23.6% · Other 3.6% · Home improvement 1.8%
Conventional 71.4% · FHA 14.1% · USDA (RHS or FSA) 13.2% · VA 1.4% · of 220 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 | 187 | 85.0% |
| Texas | 33 | 15.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Alexandria | 24 |
| Lake Charles | 17 |
| Shreveport-Bossier City | 6 |
| Baton Rouge | 2 |
| Monroe | 2 |
| Beaumont-Port Arthur | 1 |
| College Station-Bryan | 1 |
| Dallas-Plano-Irving | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GNK8YXIZQ6LW40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 125855 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38141 | 1999–2017 |
Established 1 January 1902. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Sabine State Bank and Trust Company's data.
Sabine State Bank and Trust Company's data
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Sabine State Bank and Trust Company 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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