Applications / Mortgage Analytics / Lenders / Louisiana / First National Bank USA
Boutte, LA · National bank · OCC · $225 million assets · 40 loans in 2025
First National Bank USA's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
40
loans originated, 2025
49
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First National Bank USA, a small bank near New Orleans, made 74% more loans in 2025, faster than almost all similar lenders.
It made 40 loans, up from 23, while similar lenders (national banks making between half and twice as many loans) made no more than a year before and the market grew by 10%. It made 64 loans in 2019 and 42 in 2023. It filed no report for 2020 to 2022; those are gaps in the record, not years without lending.
Majority-minority neighborhoods took 60.0% of its loans, against 8.2% at similar lenders, higher than more than nine in ten of them. The share was 39.1% in 2024. With 40 loans, a few can move it.
Refinances made up 55.0% of its loans and purchases 45.0%. Nearly all, 95.0%, were conventional. Its typical loan, $175,000, was close to peers' $180,000.
In New Orleans-Metairie, its largest market, it ranked 85 of 371 lenders, with 0.2% of the market, up from 0.1%. Gulf Coast Bank and Trust Company led there. It has lent in the area since 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. First National Bank USA took 49 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 55.0% · Purchase 45.0%
Conventional 95.0% · FHA 2.5% · USDA (RHS or FSA) 2.5% · of 40 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 | 37 | 92.5% |
| Mississippi | 2 | 5.0% |
| Florida | 1 | 2.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New Orleans-Metairie | 34 |
| Gulfport-Biloxi | 2 |
| Hammond | 2 |
| Baton Rouge | 1 |
| Pensacola-Ferry Pass-Brent | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F376WY63AY7896 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 714839 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 116473 | 1990–2017 |
Established 23 June 1975. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First National Bank USA's data.
First National Bank USA's data
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First National Bank USA 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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