Applications / Mortgage Analytics / Lenders / Louisiana / Winnsboro State Bank & Trust Company
Winnsboro, LA · State non-member bank · FDIC · 232 loans in 2025
Winnsboro State Bank & Trust Company's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
232
loans originated, 2025
247
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Winnsboro State Bank & Trust Company, a Louisiana bank that filed its first mortgage report in 2025, is above all a lender on manufactured homes.
Manufactured homes made up 37.1% of its 232 loans, against 2.5% at the typical similar lender, meaning a bank of the same type making between half and twice as many loans. Almost none of those lenders has a higher share. Refinancing, at 50.9% of its loans, edged out home purchase, at 43.5%.
Its typical loan was $75,000, against $175,000 at similar lenders, among the smallest in the group. Manufactured homes may account for much of the gap. So although it made more loans than the typical similar lender, 232 against 182, it lent less money, $38.8 million against $50.0 million.
It made 22.4% of its loans in low- and moderate-income (LMI) neighborhoods, against 17.5% at similar lenders. It made 15.5% in majority-minority neighborhoods, more than double the 6.3% of the typical similar lender.
In its first year in the data it took 1.5% of lending in Monroe, LA, ranking 20 of 181, and 0.5% in Shreveport-Bossier City. Its largest market is non-metro Louisiana, where it ranked 26 of 316, behind United Wholesale Mortgage and Rocket Mortgage. It lent in six states in all, as far afield as non-metro Texas and Kansas.
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, 2025–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Winnsboro State Bank & Trust Company took 247 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 50.9% · Purchase 43.5% · Home improvement 4.3% · Other 1.3%
Conventional 100.0% · of 232 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 | 225 | 97.0% |
| Kansas | 3 | 1.3% |
| Alabama | 1 | 0.4% |
| Missouri | 1 | 0.4% |
| Mississippi | 1 | 0.4% |
| Texas | 1 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Monroe | 69 |
| Shreveport-Bossier City | 5 |
| Baton Rouge | 3 |
| Daphne-Fairhope-Foley | 1 |
| Jackson | 1 |
| Lafayette | 1 |
| New Orleans-Metairie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900GVA8WBFNUQTV33 | 2025–2025 |
Established 2 September 1902. Reported under HMDA in 2025.
Mergers, name changes, data editions and corrections: Winnsboro State Bank & Trust Company's data.
Winnsboro State Bank & Trust Company's data
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Winnsboro State Bank & Trust Company 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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