Applications / Mortgage Analytics / Lenders / Louisiana / Heritage Bank of St. Tammany
Covington, LA · Savings institution · OCC · $179 million assets · 59 loans in 2025
Heritage Bank of St. Tammany's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
59
loans originated, 2025
73
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Heritage Bank of St. Tammany, a Louisiana savings bank, is shrinking: it made 59 loans in 2025, a fifth of its 2020 total, and lost share in its home market.
Its loans fell 38%, to 59 from 95, while similar lenders (savings institutions making between half and twice as many loans) grew 1% and the whole market 10%. Fewer than one in twenty peers shrank faster. The longer slide is larger still: it made 293 loans in 2020 and 207 in 2021. For a lender this size a few dozen loans make a big difference, and it may have chosen to lend less or lost borrowers to larger rivals.
Slidell-Mandeville-Covington is its largest market, and it has lent there since at least 1990. Its share of mortgage dollars fell to 1.1% from 1.3%, ranking it 28 of 277; GMFS leads. In Hammond its share fell to 0.4% from 0.9%. Both falls match its own drop in volume, so they may reflect fewer loans rather than a retreat from those towns.
Home purchases made up 55.9% of its loans, refinances 32.2% and other purposes 10.2%. Every loan was conventional. Its typical loan, $265,000, was near the middle of similar lenders, whose typical loan was $245,000.
Of its loans, 17.2% were in poorer neighborhoods (low- and moderate-income, or LMI, tracts), up from 8.5% a year earlier and close to the 17.6% at the typical peer. Its share in majority-minority neighborhoods, 8.5%, was also near the middle.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Heritage Bank of St. Tammany took 73 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.9% · Refinance 32.2% · Other 10.2% · Home improvement 1.7%
Conventional 100.0% · of 59 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 | 54 | 91.5% |
| Mississippi | 4 | 6.8% |
| Florida | 1 | 1.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Slidell-Mandeville-Covington | 41 |
| Hammond | 5 |
| New Orleans-Metairie | 4 |
| Baton Rouge | 2 |
| Gulfport-Biloxi | 2 |
| Crestview-Fort Walton Beach-Destin | 1 |
| Houma-Bayou Cane-Thibodaux | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300EI8WIPSALARU71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 194570 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43691 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703691 | 2011–2017 |
Established 1 January 1924. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Heritage Bank of St. Tammany's data.
Heritage Bank of St. Tammany's data
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Heritage Bank of St. Tammany 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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