Grant Bancshares, Inc.

What their website says about applying

• All loan applications must be presented in person. See our Branch Locations page for your nearest BOM Branch. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• Collateral required Secured by Savings Account source
• Income limit applies and the borrowers must be under the income limits source
• First-time homebuyer program Down payments as low as 3% down for first time homebuyers and 5% for all others source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The pages describe BOM Bank, which may not match the lender id; all loan applications must be presented in person and no service area is stated. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. Do you lend where I live, or where my business is?
   Their website does not say which area they serve.
2. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
3. What is the APR, including fees, on your auto loans and credit-builder loans?
   Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare.
4. What interest rate and fees should I expect on your SBA-backed loans and small-business loans?
   Their website does not state a rate for this.
5. Is there a minimum credit score, and do you consider borrowers with little or no credit history?
   Their website does not say what credit history they accept.
6. How long can I take to repay?
   No repayment terms are stated on their website.
7. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

Subsidiary bank on file with the FDIC: BOM Bank (FDIC cert 1373, total assets $1.6 billion). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.

An office shows where the lender has a branch, not where it lends or whom it lends to.

A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, BOM Bank (RSSD 684455, FDIC cert 1373), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.

Loan mix (balances on 30 Jun 2026)

Within consumer loans: auto loans $1.1 million.

Small business loans (original amount $1 million or less, balances on 30 Jun 2026)

Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.

The HMDA reporter panel lists Grant Bancshares, Inc. as the parent or top holder of this filer, which is also a certified CDFI with its own page:

• BOM Bank: 188 originated home loans

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).

SBA loan data names this holding company's bank, not the holding company. Its subsidiary BOM Bank is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

Other certified CDFIs in Natchitoches and Louisiana

• BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
• Engage Federal Credit UnionCredit union · Natchitoches, LAAgriculture / farm loans, Auto / vehicle loans, Small-dollar / emergency loans, Personal / consumer loans…Verified
• Exchange Bancshares, Inc.Bank holding company · Natchitoches, LAOfficial list only
• Exchange Bank and Trust Co.Bank or thrift · Natchitoches, LAOfficial list only

All 99 CDFIs in Louisiana