Mostly refinances
Refinances were 63.6% of its loans and purchases 29.1%, all conventional. Its typical loan, $145,000, was lower than the $165,000 at similar lenders (state non-member banks making between half and twice as many loans).
Applications / Mortgage Analytics / Lenders / Louisiana / Bank of Sunset and Trust Company
Bank of Sunset and Trust Company
Sunset, LA · State non-member bank · FDIC · $189 million assets · 55 loans in 2025
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55
loans originated, 2025
55
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Sunset and Trust Company, a small Louisiana refinance lender, held steady at 55 loans in 2025 and lends more in majority-minority neighborhoods than most peers.
More lending in majority-minority areas
Majority-minority areas took 29.1% of its loans, against 6.4% at peers, higher than about four in five of them. Low- and moderate-income (LMI) neighborhoods took 18.2%, near the middle, and LMI borrowers 23.1%, against 27.4%.
Flat after a drop
It made 55 loans in both 2024 and 2025, down from 90 in 2023, while similar lenders grew 7% and the whole market 10%. It filed no HMDA report for 2020 to 2022; those years are a gap in the record.
Slipping in Lafayette
In Lafayette it ranked 46 of 280 lenders with 0.5%, down 0.2 points from 0.7%; United Wholesale Mortgage and DSLD Mortgage led. Its volume held flat while the market grew, which may explain the slip. It made its first loans in Slidell-Mandeville-Covington in 2025.
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
55 loans in 2025, against a peak of 90 in 2023.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Bank of Sunset and Trust Company took 55 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
63.6% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 63.6% · Purchase 29.1% · Home improvement 3.6% · Other 3.6%
Conventional 100.0% · of 55 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
2 states, 4 metros, 10 counties
| State | Loans | Share |
|---|---|---|
| Louisiana | 54 | 98.2% |
| Florida | 1 | 1.8% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Lafayette | 37 |
| Baton Rouge | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Slidell-Mandeville-Covington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MJ3JU3Z2PH5H92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 910239 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 311788 | 1994–2017 |
Established 1 January 1906. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Bank of Sunset and Trust Company's data.
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