Applications / Mortgage Analytics / Lenders / Louisiana / M C Bank & Trust Company
Morgan City, LA · State member bank · FRS · $478 million assets · 58 loans in 2025
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58
loans originated, 2025
103
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
M C Bank & Trust Company is a Louisiana lender of small loans, more than a fifth of them on manufactured homes.
Manufactured homes took 22.4% of its 58 loans in 2025, against 1.7% at similar lenders, the state member banks making between half and twice as many loans. That may help explain its typical loan of $70,000, smaller than at nearly all its peers, whose typical loan was $175,000. Refinances made up 60.3% of its loans.
Low- and moderate-income borrowers took 36.1% of its loans, against 24.6% at similar lenders, a higher share than about four in five of them. Its small loans and manufactured-home lending may help explain that.
Its loans rose 12% to 58, in line with similar lenders, up 8%. That follows a fall to 52 in 2024 from 106 in 2023. With so few loans, the recovery is small.
It has lent in Lafayette and Houma since 1996 and in New Orleans since 1997, the year it merged with Guaranty Bank & Trust Company of Morgan City.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. M C Bank & Trust Company took 103 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 60.3% · Purchase 31.0% · Home improvement 5.2% · Other 3.4%
Conventional 100.0% · of 58 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 | 55 | 94.8% |
| Florida | 1 | 1.7% |
| Mississippi | 1 | 1.7% |
| Utah | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette | 10 |
| Houma-Bayou Cane-Thibodaux | 9 |
| Baton Rouge | 4 |
| New Orleans-Metairie | 3 |
| Panama City-Panama City Beach | 1 |
| Slidell-Mandeville-Covington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930045EHC4UJU3BP73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1003839 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317388 | 1997–2017 |
Established 20 January 1955. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: M C Bank & Trust Company's data.
M C Bank & Trust Company's data
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M C Bank & Trust Company 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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