# The Evangeline Bank & Trust Company

> **Canonical URL:** https://saferate.com/lenders/the-evangeline-bank-trust

> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible

The Evangeline Bank & Trust Company is a bank, headquartered in Ville Platte, LA, with 48 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 92% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 254900R51FSMCPO6HB07
- **Headquarters:** Ville Platte, LA
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** LA
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Mediocre 😐
- Score: 8/100
- Rating: ●○○○○ (1/5)

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +1.373%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $265
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 48
- **Dollar Volume:** $11 million
- **Applications Received:** 84
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $234,583
- **Average Borrower Income:** $170,000

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 42/100 | 45 | +1.360% | $286 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 24 loans, Score: 21/100 (Acceptable)
- Refinance: 21 loans, Score: 37/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 22/100 | 26 | $8M | +1.431% | Acceptable 🙂 |
| Refinance | 35/100 | 22 | $4M | +1.209% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| LA | 48 | 0.14% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 22 | 41/100 |
| Alexandria, LA | LA | 15 | 56/100 |

## Frequently Asked Questions

### What loan types does The Evangeline Bank & Trust Company offer?

The Evangeline Bank & Trust Company offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does The Evangeline Bank & Trust Company offer mortgages?

The Evangeline Bank & Trust Company offers mortgages in 1 states: LA.

### How competitive are The Evangeline Bank & Trust Company's mortgage rates?

The Evangeline Bank & Trust Company has a pricing score of 8/100 (Mediocre), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 1.373% above market average.

### What type of lender is The Evangeline Bank & Trust Company?

The Evangeline Bank & Trust Company is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Ville Platte, LA.

### What is The Evangeline Bank & Trust Company's loan approval success rate?

The Evangeline Bank & Trust Company has a pull-through score of 30/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-05-29
**Canonical URL:** https://saferate.com/lenders/the-evangeline-bank-trust

### How to Cite

> "The Evangeline Bank & Trust Company Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/the-evangeline-bank-trust

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