Applications / Mortgage Analytics / Lenders / Louisiana / American Bank & Trust Company
Opelousas, LA · State non-member bank · FDIC · $272 million assets · 112 loans in 2025
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112
loans originated, 2025
123
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Bank & Trust Company, a Louisiana bank, grew faster in 2025 than most of its peers, making 112 loans, 30% more than in 2024.
Its loan count rose by 30%. At similar lenders, state non-member banks making between half and twice as many loans, it rose by 9%; the bank's growth was higher than about three in four of them. Its lending splits almost evenly between home purchases (48.2%) and refinances (47.3%). It filed no report for 2021 and 2022, gaps in the record rather than years without lending.
In Lafayette, LA it ranked 33 of 280 lenders, with 0.8% of the market, up from 0.7%. It has lent there since 1990. United Wholesale Mortgage led.
Loans in majority-minority areas made up 20.5% of its lending, against 6.1% at peers, higher than about three in four of them. Borrowers with low and moderate incomes (LMI) took 19.2%, below peers' 27.9% but up from 8.7% in 2024. That may reflect the incomes of borrowers in the areas it serves, which these figures do not break down.
Its typical loan was $145,000, against $175,000 at peers, and all its loans were conventional. Manufactured homes made up 6.2% of its loans, against 3.3% 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. American Bank & Trust Company took 123 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 48.2% · Refinance 47.3% · Home improvement 4.5%
Conventional 100.0% · of 112 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 | 111 | 99.1% |
| Arkansas | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette | 56 |
| Baton Rouge | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300E8WNDXIPI7FA49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 83834 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317906 | 1990–2017 |
Established 22 September 1958. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: American Bank & Trust Company's data.
American Bank & Trust Company's data
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American Bank & 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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