Applications / Mortgage Analytics / Lenders / Louisiana / South Lafourche Bank & Trust Company
Larose, LA · State non-member bank · FDIC · $173 million assets · 42 loans in 2025
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42
loans originated, 2025
65
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
South Lafourche Bank & Trust Company is a small Louisiana bank that mostly refinances homes, and its 42 loans in 2025 were far fewer than it made a few years earlier.
Refinancing made up 64.3% of its loans and home purchases only 19.0%. Its loans are small: the typical one was $120,000, against $165,000 at similar lenders, meaning state non-member banks making between half and twice as many loans. That leaves its lending total at $8.0 million, below about three-quarters of them.
Its loans rose 24% to 42, faster than about three-quarters of similar lenders, whose typical growth was 2%. The longer record runs the other way. It made 195 loans in 2018 and 178 in 2022, then 34 in 2024. With refinancing most of its business, its volume may rise and fall with demand to refinance.
It has lent in Houma-Bayou Cane-Thibodaux since at least 1990 and holds 0.9% of that market, unchanged from a year earlier, at 21 of 170 lenders. United Wholesale Mortgage and DSLD Mortgage lead there. Its presence in New Orleans and Baton Rouge is slight.
Only 2.4% of its loans went to low- and moderate-income neighborhoods, against 19.0% at similar lenders, but on 42 loans that is a single loan, too few to read much into. One possibility is that its four counties hold few such neighborhoods. Its share of borrowers on such incomes, 29.7%, is near the middle of its 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. South Lafourche Bank & Trust Company took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 64.3% · Purchase 19.0% · Other 9.5% · Home improvement 7.1%
Conventional 100.0% · of 42 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 | 42 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houma-Bayou Cane-Thibodaux | 31 |
| New Orleans-Metairie | 10 |
| Baton Rouge | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300SHK8JZR89HEF81 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 135836 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 319755 | 1990–2017 |
Established 13 October 1967. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: South Lafourche Bank & Trust Company's data.
South Lafourche Bank & Trust Company's data
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