Applications / Mortgage Analytics / Lenders / Louisiana / The Bank
Jennings, LA · State non-member bank · FDIC · $429 million assets · 174 loans in 2025
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174
loans originated, 2025
183
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank, of Jennings, Louisiana, makes far more manufactured-home loans than similar banks and is gaining ground in Lake Charles.
Manufactured homes made up 19.5% of its loans, against 2.8% at similar lenders, more than about nine in ten of them. Similar lenders are state banks outside the Federal Reserve making between half and twice its number of loans. That specialty may help explain its smaller loans: the typical one was $125,000, against $175,000 for its peers.
Refinances made up 60.9% of its 174 loans and home purchases 32.2%. Its loans rose 5%, more slowly than the 10% at similar lenders. It made 287 loans at its recent peak in 2021.
Its share of the Lake Charles market rose from 1.5% to 2.2%, and it ranked 15 of 208 lenders. United Wholesale Mortgage and Fidelity Bank led. In Lafayette its share rose from 0.6% to 0.7%, ranking 38 of 280.
A third of its borrowers, 33.3%, had low or moderate incomes, against 27.8% at similar lenders. It also lent more in poorer neighborhoods (low- and moderate-income, or LMI, tracts): 24.0% against 17.7%. Both shares rose from 2024, when they were 23.9% and 15.2%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The Bank took 183 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 60.9% · Purchase 32.2% · Other 5.2% · Home improvement 1.7%
Conventional 100.0% · of 174 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 | 152 | 87.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lake Charles | 84 |
| Lafayette | 68 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300M4E3MK3F5GQW40 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2505460 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 334409 | 1999–2017 |
Established 26 February 1997. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: The Bank's data.
The Bank's data
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The 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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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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