Applications / Mortgage Analytics / Lenders / Louisiana / Synergy Bank
Houma, LA · State non-member bank · FDIC · $1.2 billion assets · 352 loans in 2025
Synergy Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
352
loans originated, 2025
420
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Synergy Bank, of Houma, Louisiana, is a refinance lender that ranks third in its home market and grew faster than most similar banks in 2025.
Refinances made up 70.7% of its loans and purchases 25.0%. Its typical loan was $105,000, against $185,000 for similar lenders, state non-member banks making between half and twice as many loans; it was among the lowest tenth. Manufactured homes were 10.5% of its lending, against 2.3% for peers.
Its loans rose 19%, from 296 to 352, against 9% for its peers; it grew faster than three in four of the 279. In Houma it ranks 3 of 170 lenders with a share of 6.7%, behind United Wholesale Mortgage and DSLD Mortgage. In Baton Rouge its share rose from 0.5% to 0.7%.
Of its loans, 35.8% were in low- and moderate-income neighborhoods, against 16.5% for peers, higher than almost all of them. Majority-minority neighborhoods took 29.0%, against 6.7%, up from 13.5% in 2020.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Synergy Bank took 420 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 70.7% · Purchase 25.0% · Home improvement 2.8% · Other 1.4%
Conventional 100.0% · of 352 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 | 343 | 97.4% |
| Mississippi | 7 | 2.0% |
| Florida | 1 | 0.3% |
| Tennessee | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Houma-Bayou Cane-Thibodaux | 182 |
| Baton Rouge | 141 |
| New Orleans-Metairie | 8 |
| Gulfport-Biloxi | 3 |
| Hammond | 2 |
| Lafayette | 2 |
| Jackson | 1 |
| Orlando-Kissimmee-Sanford | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QAJ2SD5X8T7X10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2748502 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334978 | 2000–2017 |
Established 10 March 1999. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Synergy Bank's data.
Synergy Bank's data
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Synergy 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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