Lenders › First American Bank and Trust › Louisiana
First American Bank and Trust in Louisiana
HMDA record for properties in Louisiana, calendar year 2024. National record · Louisiana overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
In Louisiana, First American Bank and Trust reported 685 applications and 486 originations for 2024, $89m in all.
Its denial rate in the state was 17.1%, below the Louisiana rate of 30.2% across all lenders and compared with the lender's national rate of 17.1%.
The median rate spread on its Louisiana originations was 1.3 percentage points (state median 0.4).
Applications in the state were up 21% on 2023.
Compared with the state and the lender's national record
| Measure | In Louisiana | Louisiana, all lenders | First American Bank and Trust, all states | United States |
|---|---|---|---|---|
| Denial rate | 17.1% | 30.2% | 17.1% | 24.3% |
| Median rate spread, pp | 1.3 | 0.4 | 1.3 | 0.3 |
| Originations with spread of 1.5 pp or more | 6.6% | 17.0% | 6.6% | 15.6% |
| Average originated loan | $184k | $234k | $184k | $329k |
| Home purchase share | 36.6% | 63.7% | 36.6% | 57.0% |
| FHA-insured share | 0.0% | 20.7% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 9.3% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateLouisiana, all lenders
Loan purpose and loan type in Louisiana
By purpose
Home purchase 37% (178)Home improvement 12% (58)Refinancing 40% (193)Other purpose 12% (57)
By type
Conventional 100% (486)
Denial reasons as coded
Share of 106 denials in Louisiana by first denial reason coded (outlined bar: all lenders in the state).
Counties in Louisiana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| St. James Parish | 108 | 90 | $11m | 4.0% |
| Lafourche Parish | 113 | 85 | $16m | 13.7% |
| St. Charles Parish | 81 | 52 | $8.1m | 23.3% |
| Ascension Parish | 64 | 52 | $11m | 13.1% |
| Jefferson Parish | 62 | 42 | $8.0m | 11.5% |
| Orleans Parish | 47 | 34 | $10.0m | 14.3% |
| St. John the Baptist Parish | 34 | 23 | $4.1m | 10.0% |
| East Baton Rouge Parish | 26 | 22 | $5.5m | 15.4% |
| St. Tammany Parish | 37 | 21 | $4.5m | 35.3% |
| Assumption Parish | 28 | 14 | $1.8m | 46.2% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did First American Bank and Trust originate in Louisiana in 2024?
486 loans totalling $89m, from 685 applications reported for properties in Louisiana.
What is First American Bank and Trust's denial rate in Louisiana?
17.1% of decided applications in Louisiana were denied, against 30.2% for all lenders in the state and 17.1% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Louisiana counties does First American Bank and Trust lend in most?
By originations: St. James Parish (90), Lafourche Parish (85), St. Charles Parish (52), Ascension Parish (52), Jefferson Parish (42).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Louisiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.