Applications / Mortgage Analytics / Lenders / Louisiana / Bank of Zachary
Zachary, LA · State non-member bank · FDIC · $411 million assets · 98 loans in 2025
Bank of Zachary's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
98
loans originated, 2025
124
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Zachary ranks 40 of 369 lenders in Baton Rouge, though its share there slipped as its loan count fell to 98 in 2025.
It has lent in Baton Rouge since at least 1990. Its share there fell by 0.2 points to 0.6%, in a market led by United Wholesale Mortgage, GMFS and Hancock Whitney Bank. The fall follows its own lower loan count. The figures do not show whether weaker demand or the bank's own choices lay behind it.
Its loan count fell by 16%, from 116 to 98, while similar lenders (lenders of the same type making between half and twice as many loans) grew by 9% and the whole market by 10%. It fell faster than most of them. It made 149 loans in 2018. Its typical loan, at $170,000, was close to the $175,000 at similar lenders.
Of its loans, 25.8% were in low- and moderate-income (LMI) census tracts, against 18.3% at similar lenders. Another measure points the same way: 22.4% were in tracts where most residents belong to minority groups, against 6.2%. Both shares are higher than at most similar lenders.
Purchases made up 45.9% of its loans and refinances 42.9%. Every loan was conventional. Manufactured homes were 9.2% of its loans, against 3.1% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Zachary took 124 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.9% · Refinance 42.9% · Other 8.2% · Home improvement 3.1%
Conventional 100.0% · of 98 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 | 95 | 96.9% |
| Mississippi | 3 | 3.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baton Rouge | 94 |
| Gulfport-Biloxi | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900J71IJLMJZJV608 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 860334 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 3306 | 1990–2017 |
Established 1 January 1904. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Bank of Zachary's data.
Bank of Zachary's data
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Bank of Zachary 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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