Applications / Mortgage Analytics / Lenders / Louisiana / The Cottonport Bank
Cottonport, LA · State non-member bank · FDIC · $564 million assets · 182 loans in 2025
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182
loans originated, 2025
218
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Cottonport Bank is a rural Louisiana lender of small loans, and manufactured homes make up a larger share of its lending than at about three in four similar banks.
Its typical loan was $115,000, against $175,000 at similar lenders (state non-member banks making between half and twice as many loans), smaller than about five in six of them. Its mix may explain much of that: manufactured homes made up 9.3% of its loans and home improvement 12.1%. Purchases and refinances each took 42.9%.
It made 182 loans in 2025, down 4%, while similar lenders grew 10% and so did the whole market. Its growth was lower than about four in five peers'. Lending has moved in a band since 2022, from a low of 132 loans in 2023 to 189 in 2024.
Some 23.1% of its loans were in majority-minority neighborhoods, against 6.4% at similar lenders, higher than about four in five. Low- and moderate-income (LMI) borrowers took 19.5% of its loans, below the peers' 27.8% and down from 27.9% a year earlier; a swing that large in one year may be noise in a small book, or a shift in who applied.
Non-metro Louisiana is its largest market, where it ranks 32 of 316 lenders, and it has lent there since 2004, its first year of reporting. In Baton Rouge it ranks 67 of 369, and its share slipped from 0.4% to 0.3%, possibly because its own loan count fell.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Cottonport Bank took 218 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 42.9% · Refinance 42.9% · Home improvement 12.1% · Other 2.2%
Conventional 100.0% · of 182 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 | 179 | 98.4% |
| Mississippi | 3 | 1.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Baton Rouge | 61 |
| Lafayette | 13 |
| Alexandria | 5 |
| Gulfport-Biloxi | 2 |
| New Orleans-Metairie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900E9OABDJHASZ507 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 473930 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 38798 | 2004–2017 |
Established 2 July 1902. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: The Cottonport Bank's data.
The Cottonport Bank's data
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The Cottonport 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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