Third in Alexandria
Alexandria is its largest market. It ranks 3 of 152 lenders, behind Red River Bank and United Wholesale Mortgage, and its share of dollars lent rose to 6.3% from 4.3%. It has lent there since 2002.
Applications / Mortgage Analytics / Lenders / Louisiana / Southern Heritage Bank
Southern Heritage Bank
Jonesville, LA · State non-member bank · FDIC · $404 million assets · 297 loans in 2025
Southern Heritage Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
297
loans originated, 2025
353
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Southern Heritage Bank is a small-loan lender in Louisiana that holds third place in Alexandria and gained share there in 2025.
Small loans, many on manufactured homes
Its typical loan was $105,000, against $175,000 for similar lenders, state non-member banks making between half and twice as many loans; that is smaller than about nine in ten of them. Manufactured homes made up 18.5% of its loans, against 2.5% for peers. Such homes cost less, which may explain part of the gap in loan size.
Steady growth
It made 297 loans in 2025, up 10%, in line with the whole market and a little faster than similar lenders. Its yearly count has stayed between 270 and 328 since 2018. Refinancing made up 58.2% of its loans.
More lending in majority-minority areas
Of its loans, 22.2% went to majority-minority neighborhoods, against 6.2% for similar lenders, higher than about four in five of them.
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
297 loans in 2025, against a peak of 328 in 2018.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Southern Heritage Bank took 353 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
58.2% of its 2025 loans were refinance loans; all were conventional loans.
Refinance 58.2% · Purchase 35.7% · Home improvement 3.0% · Other 3.0%
Conventional 100.0% · of 297 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
1 state, 6 metros, 17 counties
| State | Loans | Share |
|---|---|---|
| Louisiana | 297 | 100.0% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Alexandria | 179 |
| Shreveport-Bossier City | 2 |
| Houma-Bayou Cane-Thibodaux | 1 |
| Lafayette | 1 |
| Monroe | 1 |
| Slidell-Mandeville-Covington | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300684I276INJKK63 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 935559 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 320698 | 2002–2017 |
Established 25 May 1972. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: Southern Heritage Bank's data.
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Southern Heritage 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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