Applications / Mortgage Analytics / Lenders / Louisiana / Bank of Erath
Erath, LA · State non-member bank · FDIC · $109 million assets · 34 loans in 2025
Bank of Erath's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
34
loans originated, 2025
46
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Erath, a $109 million bank in Erath, Louisiana, makes small loans, mostly refinances, many of them in poorer neighborhoods and on manufactured homes.
Refinances made up 82.4% of its 34 loans in 2025; purchases only 8.8%. Its typical loan was $55,000, about a third of the $167,500 at similar lenders (state non-member banks making between half and twice as many loans) and among the smallest of any of them. It was $55,000 in 2024 too.
One loan in five, 20.6%, was for a manufactured home, against 2.4% at a typical similar lender. That is a higher share than more than nine in ten of them.
Of its loans, 38.2% went to poorer neighborhoods (low- and moderate-income, or LMI, tracts), about twice the 19.0% at similar lenders. LMI borrowers took 43.5%, against 26.3%.
It made 80 loans in 2019 and 34 in 2025, 19% fewer than in 2024, while similar lenders made 2% more. A lender this reliant on refinancing may see its volume rise and fall with how many borrowers want to refinance. Its share in Lafayette, its main market, slipped from 0.2% to 0.1%, which may simply reflect that lower 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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Bank of Erath took 46 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 82.4% · Purchase 8.8% · Other 5.9% · Home improvement 2.9%
Conventional 100.0% · of 34 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 | 34 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette | 32 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 25490029ZGGK0O5HP605 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 399731 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38532 | 2014–2017 |
Established 1 January 1910. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Bank of Erath's data.
Bank of Erath's data
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