Applications / Mortgage Analytics / Lenders / Louisiana / Rayne State Bank & Trust Company
Rayne, LA · State non-member bank · FDIC · $541 million assets · 78 loans in 2025
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78
loans originated, 2025
83
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Rayne State Bank & Trust Company does most of its lending as refinancing, and its loan count has shrunk by about two-fifths since 2018.
Refinancings made up 69.2% of its loans in 2025 and purchases only 26.9%. All its loans were conventional. Jumbo loans, those larger than the conforming limit, were 10.3% of its lending, against 1.7% at similar lenders, meaning state non-member banks making between half and twice as many loans.
It made 78 loans, down 12%, while similar lenders grew by 9% and the whole market by 10%. It made 136 loans in 2018 and fewer in every year since. With refinancing more than two-thirds of its lending, swings in refinancing demand may account for much of the decline.
Lafayette, where it has lent since 1994, is its biggest market. It ranks 32 of 280 lenders there, but its share fell from 1.2% to 0.9%. The fall matches a drop in its total lending, from $25.4 million to $20.0 million. That may reflect fewer borrowers seeking to refinance, or a choice to lend less.
Some 28.2% of its loans went to low- and moderate-income neighborhoods, against 18.6% for peers, and 12.8% to majority-minority neighborhoods, against 6.6%. Both are higher than at most similar banks.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Rayne State Bank & Trust Company took 83 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 69.2% · Purchase 26.9% · Other 2.6% · Home improvement 1.3%
Conventional 100.0% · of 78 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 | 76 | 97.4% |
| Alabama | 2 | 2.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette | 63 |
| Baton Rouge | 2 |
| Daphne-Fairhope-Foley | 2 |
| New Orleans-Metairie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300DISOL963J03Q15 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 900034 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316075 | 1994–2017 |
Established 1 July 1943. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Rayne State Bank & Trust Company's data.
Rayne State Bank & Trust Company's data
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Rayne State 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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