Applications / Mortgage Analytics / Lenders / Georgia / The Bank of Lafayette
La Fayette, GA · State non-member bank · FDIC · $448 million assets · 125 loans in 2025
The Bank of Lafayette's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
125
loans originated, 2025
152
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Bank of Lafayette, of La Fayette, Georgia, makes half its loans in poorer neighborhoods, a far larger share than similar banks.
It made 52.0% of its loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts), against 17.6% at similar lenders. That is higher than nearly all of the 567 of them, state banks outside the Federal Reserve making between half and twice its number of loans. Its share of LMI borrowers, 31.6%, was also above its peers' 27.9%.
Its largest metro is Chattanooga, where it has lent since 1990. It ranked 42 of 525 lenders there, with a steady 0.5% share. Rocket Mortgage and Tennessee Valley Federal Credit Union led. It lends in six counties across two states.
Its loans rose 12%, to 125, against 9% at similar lenders and 10% in the whole market, near the middle of its peers. Since 2018 it has made between 112 and 163 loans a year.
Home purchases made up 55.2% of its loans, and home improvement a sizable 16.8%. Its typical loan was $155,000, a little below its peers' $175,000. Manufactured homes were 6.4% of its loans, against 3.1% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 of Lafayette took 152 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.2% · Refinance 22.4% · Home improvement 16.8% · Other 5.6%
Conventional 100.0% · of 125 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 |
|---|---|---|
| Georgia | 124 | 99.2% |
| Alabama | 1 | 0.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Chattanooga | 112 |
| Dalton | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900VXGQ0PJJBNKA66 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 944739 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 39245 | 1990–2017 |
Established 18 July 1899. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Bank of Lafayette's data.
The Bank of Lafayette's data
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The Bank of Lafayette 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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