Applications / Mortgage Analytics / Lenders / Louisiana / Washington State Bank
Washington, LA · State non-member bank · FDIC · $296 million assets · 57 loans in 2025
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57
loans originated, 2025
65
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Washington State Bank, a small Louisiana lender, makes modest loans, many of them on manufactured homes, and lends far more than its peers in poorer and majority-minority neighborhoods.
Manufactured homes made up 22.8% of its 57 loans in 2025, against 2.6% at similar lenders (state non-member banks making between half and twice as many loans). That is higher than more than nine in ten of them. It may explain why its loans are small: the typical one was $85,000, against $170,000 for its peers, among the smallest tenth.
It made 31.6% of its loans in low- and moderate-income (LMI) neighborhoods, against 18.6% for similar lenders, and 24.6% in majority-minority neighborhoods, against 6.5%. Both shares are higher than about four in five of its peers, and both were lower in 2020.
The bank made 57 loans, up 14% on the year, against 7% growth at similar lenders. Its lending swelled to 204 loans in 2021 and 174 in 2022, then fell to 47 in 2023. It now makes fewer loans than the 79 of 2018. All its loans are conventional.
In Lafayette, its largest market, it ranks 62 of 280 lenders, and its share rose from 0.2% to 0.3%. It has lent there since 1994, the year it first reported. United Wholesale Mortgage leads that market. Its shares elsewhere are too small to read much into.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Washington State Bank took 65 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.4% · Refinance 31.6% · Home improvement 5.3% · 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 | 56 | 98.2% |
| Indiana | 1 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette | 21 |
| Alexandria | 1 |
| Baton Rouge | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Lake Charles | 1 |
| Monroe | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KNRT5UGNCSXM31 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 311939 | 2015–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39326 | 1994–2017 |
Established 10 April 1893. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Washington State Bank's data.
Washington State Bank's data
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Washington State Bank 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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