Applications / Mortgage Analytics / Lenders / Louisiana / Rayne Building and Loan Association
Rayne, LA · Savings institution · FDIC · $52.4 million assets · 57 loans in 2025
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57
loans originated, 2025
74
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rayne Building and Loan Association is a small Louisiana savings institution that lends in poorer neighborhoods far more than its peers do.
Some 35.7% of its loans went to low- and moderate-income neighborhoods in 2025, against 17.0% at similar lenders, meaning savings institutions making between half and twice as many loans. That is more than at nine in ten of them, and up from 30.2% a year earlier.
Its typical loan was $165,000, against $247,500 for peers. So although its loan count was near the middle of the group, its total of $10.8 million was lower than at more than four in five peers, whose figure was $23.2 million. Home purchases made up 64.9% of its loans and home improvement 14.0%.
It made 57 loans, up 33%, while similar lenders did not grow. Lafayette, where it has lent since 1994, is its biggest market. It ranks 48 of 280 lenders there, but its share slipped from 0.7% to 0.5%. One possible reason is that its loans got smaller: its typical loan fell from $195,000, and its dollar total barely moved.
It filed no HMDA report for 2020 or 2021. In the years it did report since 2018 it made between 43 and 65 loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Rayne Building and Loan Association took 74 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 64.9% · Refinance 19.3% · Home improvement 14.0% · Other 1.8%
Conventional 100.0% · of 57 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 | 57 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette | 46 |
| Lake Charles | 6 |
| Baton Rouge | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300J24Z0NH1T4DR15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 518176 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 45352 | 1994–2003 |
| Respondent ID (the HMDA filer code before 2018) | 330447 | 2014–2017 |
Established 1 January 1900. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Rayne Building and Loan Association's data.
Rayne Building and Loan Association's data
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Rayne Building and Loan Association 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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