Applications / Mortgage Analytics / Lenders / Louisiana / Merchants & Farmers Bank & Trust Company
Leesville, LA · State non-member bank · FDIC · $533 million assets · 109 loans in 2025
Merchants & Farmers Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
109
loans originated, 2025
144
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Merchants & Farmers Bank & Trust Company is a small Louisiana bank for which manufactured homes make up nearly a third of loans, and it grew faster than most similar banks in 2025.
Manufactured homes made up 31.2% of its loans, against 3.2% at the typical similar lender (state non-member banks making between half and twice as many loans). Few peers have a higher share. That shapes the rest of its book: its typical loan was $115,000, against $175,000 at peers, smaller than more than four in five of them.
Its loans rose 21% to 109, faster than about seven in ten similar banks, which grew 9%. The rise follows a fall from 178 loans in 2022 to 90 in 2024. Home purchases were 54.1% of its lending and refinances 33.0%.
Its share of the Lake Charles market rose from 0.4% to 0.8%, putting it 35th of 208 lenders, behind United Wholesale Mortgage and Fidelity Bank at the top. In non-metro Louisiana it ranked 44 of 316. It has reported in all three markets since 2009.
Low- and moderate-income borrowers took 16.7% of its loans, against 27.7% at peers, lower than about four in five of them. The figure moves a lot on about a hundred loans: it was 28.1% the year before. It may also reflect the incomes of the rural parishes it serves. Loans in majority-minority neighborhoods, at 11.0%, were a larger share than at most peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Merchants & Farmers Bank & Trust Company took 144 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 54.1% · Refinance 33.0% · Other 8.3% · Home improvement 4.6%
Conventional 100.0% · of 109 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 | 109 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lake Charles | 32 |
| Alexandria | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NG6J01HLGSZW49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 136338 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39319 | 2009–2017 |
Established 1 January 1928. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Merchants & Farmers Bank & Trust Company's data.
Merchants & Farmers Bank & Trust Company's data
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Merchants & Farmers 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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