Applications / Mortgage Analytics / Lenders / Louisiana / Vermilion Bank & Trust Company
Kaplan, LA · State non-member bank · FDIC · $170 million assets · 57 loans in 2025
Vermilion Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
57
loans originated, 2025
58
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Vermilion Bank & Trust Company makes some of the smallest home loans of any similar lender, mostly refinances, around Lafayette, Louisiana.
Its typical loan was $35,000 in 2025, against $170,000 at similar lenders (state non-member banks making between half and twice as many loans), the lowest among them. Its 57 loans came to $3.7 million, less than almost every peer. Refinances made up 82.5% of its loans.
Manufactured homes were 12.3% of its loans, against 2.6% at peers. Such homes cost less, which may explain part of its small loan size. And 45.6% of its loans went to poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 18.6% at peers, a higher share than more than nine in ten. Five years earlier that share was 25.8%.
Lafayette is its main metro market, which it entered in 2014. It ranked 74 of 280 lenders, with 0.2% of the dollars, down 0.1 points. With so few loans, one or two can account for a change of that size, and with loans this small its dollar share understates how many borrowers it serves. United Wholesale Mortgage led the market.
Its loans rose 12% from 51, a little faster than the 7% of similar lenders. The bank filed no HMDA report for 2021 or 2022, so those years are a gap in the record rather than years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Vermilion Bank & Trust Company took 58 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 82.5% · Purchase 12.3% · Home improvement 3.5% · 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 | 56 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NO5XZV44V0UV76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 754536 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317841 | 2014–2017 |
Established 8 March 1958. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Vermilion Bank & Trust Company's data.
Vermilion Bank & Trust Company's data
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Vermilion 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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