Applications / Mortgage Analytics / Lenders / Louisiana / City Bank & Trust Company
Natchitoches, LA · State non-member bank · FDIC · $382 million assets · 107 loans in 2025
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107
loans originated, 2025
111
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
City Bank & Trust Company, a Louisiana bank that first reported in 2023, raised its loan count by 67% in 2025 and pushed into Texas and beyond.
It made 107 loans in 2025, up from 64. Similar lenders (state non-member banks making between half and twice as many loans) grew by 9%, and the whole market by 10%; its growth was among the highest tenth. Its dollar lending rose to $24.9 million from $14.7 million.
In 2025 it lent for the first time in Longview, Tyler, Houston-Pasadena-The Woodlands, non-metro Texas, non-metro Mississippi and Grand Rapids. It now reaches 5 states and 25 counties. Its shares in the new metros are 0.1% or less: footholds, not positions.
Shreveport-Bossier City has been its largest market since 2023. It ranks 35 of 255 lenders there, and its share of the $1.43B market rose to 0.8% from 0.6%. United Wholesale Mortgage, DSLD Mortgage and Rocket Mortgage lead.
22.4% of its loans went to majority-minority areas, against 6.1% at similar lenders, more than three in four of them. Its share in low- and moderate-income (LMI) areas, 15.1%, was a little lower than their 18.3%, which could reflect where its customers live. Its typical loan, $175,000, and typical rate, 7.00%, matched theirs.
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, 2023–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. City Bank & Trust Company took 111 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.7% · Refinance 28.0% · Home improvement 6.5% · Other 3.7%
Conventional 100.0% · of 107 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 | 90 | 84.1% |
| Texas | 14 | 13.1% |
| Arkansas | 1 | 0.9% |
| Michigan | 1 | 0.9% |
| Mississippi | 1 | 0.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Shreveport-Bossier City | 44 |
| Longview | 6 |
| Tyler | 2 |
| Dallas-Plano-Irving | 1 |
| Grand Rapids-Wyoming-Kentwood | 1 |
| Houston-Pasadena-The Woodlands | 1 |
| Lake Charles | 1 |
| Little Rock-North Little Rock-Conway | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 9845006EEFF0EDFA9E57 | 2023–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 841753 | 2023–2023 |
Established 1 January 1933. Reported under HMDA 2023-2025.
Mergers, name changes, data editions and corrections: City Bank & Trust Company's data.
City Bank & Trust Company's data
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