Applications / Mortgage Analytics / Lenders / Louisiana / Farmers-Merchants Bank & Trust Company
Breaux Bridge, LA · State non-member bank · FDIC · $467 million assets · 81 loans in 2025
Farmers-Merchants Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
81
loans originated, 2025
106
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Farmers-Merchants Bank & Trust Company, a Lafayette-area lender, makes the smallest loans among similar banks, many of them refinances and manufactured homes, and much of its lending reaches poorer and majority-minority neighborhoods.
Refinances took 67.9% of its 81 loans. Manufactured homes took 23.5%, against 2.6% at similar lenders (state non-member banks making between half and twice as many loans). Its typical loan was $55,000, the lowest among them; theirs was $170,000. Manufactured homes and refinances may account for much of that.
Low- and moderate-income areas (LMI areas) took 45.7% of its loans, against 18.6% at similar lenders, more than at about nine in ten of them. Majority-minority areas took 27.2%, against 6.6%. Borrowers with low and moderate incomes took 37.8%, higher than at about four in five similar lenders.
It made 81 loans, down 27% from 111, while similar lenders grew 9%. Its count has fallen in most years since 2018, when it made 228. With refinances so large a part of its business, weaker demand for refinancing may account for some of the fall.
In Lafayette, where it has lent since at least 1990, it ranked 43 of 280 and its share fell from 0.8% to 0.6%. Its lending in dollars barely moved, $13.9 million against $13.7 million, so more of it may have gone elsewhere, such as Baton Rouge, where its share rose. United Wholesale Mortgage led in Lafayette.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Farmers-Merchants Bank & Trust Company took 106 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 67.9% · Purchase 24.7% · Home improvement 3.7% · Other 3.7%
Conventional 100.0% · of 81 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 | 81 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette | 65 |
| Baton Rouge | 3 |
| Houma-Bayou Cane-Thibodaux | 1 |
| Lake Charles | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300IB375I8TZ2FA87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 653134 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39327 | 1990–2017 |
Established 1 January 1932. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Farmers-Merchants Bank & Trust Company's data.
Farmers-Merchants Bank & Trust Company's data
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