Applications / Mortgage Analytics / Lenders / Louisiana / Lakeside Bank
Lake Charles, LA · State non-member bank · FDIC · $386 million assets · 26 loans in 2025
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26
loans originated, 2025
43
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Lakeside Bank is a small Lake Charles lender whose 26 loans in 2025 were under a third of its 2018 count, though it holds a steady place in its home market.
The bank made 26 loans in 2025, down 7% from 28 and well below the 93 of 2018. The typical similar lender, a bank of the same type making between half and twice as many loans, made 37. Such lenders also fell 5% while the whole market rose 10%. The data give no reason for the long fall; a small bank may simply be choosing to hold fewer mortgages.
Its typical loan was $105,000, against $172,500 at similar lenders and lower than nearly nine in ten of them. Some 30.8% of its loans were on manufactured homes, against 2.2% for its peers, which goes some way to explain the small loan size, though on 26 loans these shares rest on a handful of homes. Refinances made up 42.3% of its lending and home improvement 15.4%.
Lake Charles is its main market, where it has lent since 2012. Its share held at 0.6%, ranking 42 of 208 lenders in a $663.9M market led by United Wholesale Mortgage and Fidelity Bank. It also lends in non-metro Louisiana, ranking 259 of 316.
Some 21.4% of its loans went to low- and moderate-income borrowers, against 25.0% at similar lenders. On 26 loans the gap is too small to read much into; its share has also moved around, from 15.4% in 2020 to 23.5% in 2024.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Lakeside Bank took 43 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 42.3% · Purchase 34.6% · Home improvement 15.4% · Other 7.7%
Conventional 100.0% · of 26 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 | 26 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lake Charles | 23 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300B95782G2DYRD47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 4165907 | 2012–2023 |
| Respondent ID (the HMDA filer code before 2018) | 358961 | 2012–2017 |
Established 26 July 2010. Reported under HMDA 2012-2025.
Mergers, name changes, data editions and corrections: Lakeside Bank's data.
Lakeside Bank's data
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Lakeside 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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