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County directory · Louisiana

CDFI lenders in Ouachita Parish, LA

2 are headquartered here. 15 more have a bank or credit-union branch here. 2 more say they serve all of Louisiana. Sources: lender websites (29 Oct 2026–4 Nov 2026), the CDFI Fund list (21 Oct 2026) and FDIC/NCUA branch records.

Name this county
0
Based here
2
Branch here
15
Serve all of LA
2

None of the lender websites we read names Ouachita Parish; the lenders below are based here, have an office here or serve the whole state. Lenders based elsewhere may lend here too. Search your exact ZIP code in the finder to include lenders based nearby. Towns in this county: Calhoun, Fairbanks, Monroe, Sterlington, Swartz, West Monroe.

Lenders compared for Ouachita Parish

21 with local records
LenderLocal recordsLoan sizesHead office
1. Ouachita Valley Federal Credit Union
Credit union, West Monroe LA		headquarters here; 6 offices here; 7 SBA loans here, FY2020–FY2026; 35 home loans here, 2025ask5 mi
2. Centric Federal Credit Union
Credit union, West Monroe LA		headquarters here; 6 offices here; 3 SBA loans here, FY2020–FY2026; 21 home loans here, 2025ask5 mi
3. Guaranty Bank and Trust Company of Delhi
Bank or thrift, Delhi LA		3 offices here; 214 home loans here, 2025ask40 mi
4. Homeland Federal Savings Bank
Bank or thrift, Columbia LA		2 offices here; 98 home loans here, 2025ask29 mi
5. Citizens Progressive Bank
Bank or thrift, Columbia LA		2 offices here; 72 home loans here, 2025ask29 mi
6. Commercial Capital Bank
Bank or thrift, Delhi LA		1 office here; 59 home loans here, 2025ask40 mi
7. Gibsland Bank & Trust Company
Bank or thrift, Gibsland LA		4 offices here; 5 home loans here, 2025ask55 mi
8. Pelican Credit Union
Credit union, Baton Rouge LA		2 offices here; 3 home loans here, 2025ask158 mi
9. Cross Keys Bank
Bank or thrift, Saint Joseph LA		29 home loans here, 2025ask65 mi
10. Winnsboro State Bank & Trust Co.
Bank or thrift, Winnsboro LA		26 home loans here, 2025ask35 mi
11. Gibsland Bancshares, Inc.
Bank holding company, Gibsland LA		4 offices hereask55 mi
12. Caldwell Bank and Trust Company
Bank or thrift, Columbia LA		3 SBA loans here, FY2020–FY2026ask29 mi
13. Delhi Bancshares, Inc.
Bank holding company, Delhi LA		3 offices hereask40 mi
14. CLB The Community Bank
Bank or thrift, Jonesville LA		3 home loans here, 2025ask60 mi
15. Planters Bank & Trust Company
Bank or thrift, Indianola MS		3 offices hereask107 mi
16. Planters Holding Company
Bank holding company, Indianola MS		3 offices hereask107 mi
17. Bank of Oak Ridge
Bank or thrift, Oak Ridge LA		2 offices hereask23 mi
18. Oak Ridge Bancshares, Inc.
Bank holding company, Oak Ridge LA		2 offices hereask23 mi
19. Caldwell Holding Company
Bank holding company, Columbia LA		2 offices hereask29 mi
20. Homeland Bancshares, Inc.
Bank holding company, Columbia LA		2 offices hereask29 mi
21. Capital Bancorp, Inc.
Bank holding company, Delhi LA		1 office hereask40 mi

20 of these 21 lenders have received CDFI Fund awards, together $117.1M in fiscal years 1998–2024 (CDFI Fund award database; each lender page lists its awards). An award funds the lender, not a particular borrower.

Order: how many kinds of local record we hold (its website names the county or a town in it, headquarters, a branch, SBA loans or HMDA home loans for borrowers here), then the number of those records, then the head office's distance from the county centre. Loan sizes are the range the lender's website states. It is not a rating and nobody pays for a place. SBA loans: SBA 7(a)/504 data (FY2020–FY2026, 3 or more shown); home loans: HMDA 2025 originations (3 or more shown); branches: FDIC/NCUA; distances are straight lines from the average position of the county's ZIP codes.

Where these lenders have offices

19 lenders

7 head offices and 77 branches or offices of 19 lenders on this page, within 30 miles of the centre of Ouachita Parish. Lenders with no office nearby may still lend here; many work by phone and online.

Loan types confirmed on these lenders' websites

  • Auto / vehicle loans (2 lenders)
  • Commercial real estate loans (2 lenders)
  • SBA-backed loans (7(a)/504/Community Advantage) (2 lenders)
  • Small-business loans (2 lenders)
  • Equipment loans (1 lender)
  • Home mortgages (1 lender)
  • Personal / consumer loans (1 lender)

Banks and credit unions with a branch in this county

17 certified CDFIs have at least one office in Ouachita Parish (FDIC office data as of 30 Oct 2026 and NCUA branch data as of 30 Jun 2026). A branch shows presence, not a stated service area; credit unions also require membership.

CDFI mortgage lenders active here

Certified CDFIs reported 579 originated home loans for properties in Ouachita Parish in 2025 under the Home Mortgage Disclosure Act: 23% of the 2,570 home loans that all HMDA lenders reported here.

Plus 9 more certified CDFIs with fewer than 3 loans here each (not listed).

A lender headquartered far away can appear here: HMDA counts the county of the property, not of the lender. Banks and credit unions below the HMDA reporting thresholds and most loan funds do not report, so other CDFIs may also lend here.

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.

Small business and SBA lending in Ouachita Parish

Official statistics

Median household income in Ouachita Parish is $54,688, 10% below the Louisiana figure of $60,756 (ACS 2020–2024).

Businesses here took 14.8 SBA-backed loans per 1,000 employer businesses over FY2020–FY2026: fewer than the median Louisiana county (19.2), rank 38 of 64.

MeasureOuachita ParishLouisiana
Businesses with paid employees (CBP 2023)4,181
(3.9% of the state)		108,561
…of which under 20 employees84%85%
Businesses without employees (Nonemployer Statistics 2023)14,818418,516
Median household income (ACS 2020–2024)$54,688
(10% below the state)		$60,756
SBA 7(a) and 504 approvals, all lenders, FY2020–FY202662
(55 7(a), 7 504)		2,762
…per 1,000 businesses with employees14.8
(rank 38 of 64 Louisiana counties)		19.2
(median county)
Median SBA 7(a) loan, all lenders$257,400$250,000
…with a certified CDFI as lender, CDC or third-party lender18
(29%)		483
(17%)
Variable-rate 7(a): median rate over prime at approval, FY2024–262.75 pts
(28 loans; 21% at the SBA maximum)		2.75 pts
(16% at the maximum)

Approvals by fiscal year: FY2020 7 · FY2021 5 · FY2022 10 · FY2023 7 · FY2024 10 · FY2025 17 · FY2026 6.

For comparison, not an offer. SBA figures count approvals by every SBA lender for borrowers whose ZIP code lies in the county, not only CDFIs; approval is not disbursement. Rate over prime = the SBA's recorded initial rate minus the prime rate on the approval day; SBA caps it at 3 to 6.5 points depending on loan size (current prime rate and caps: methodology).

Sources: Census Bureau County Business Patterns 2023, Nonemployer Statistics 2023 and American Community Survey 2020–2024 (table B19013); SBA 7(a) & 504 FOIA data as of 30 Sep 2026; prime rate: FRED DPRIME; SBA maximums: SBA 7(a) terms. Downloaded 15 Nov 2026. How we compute these.

SBA loans made here by CDFIs

SBA data as of 30 Sep 2026

Certified CDFIs were the lender, the CDC or the third-party lender on 18 SBA approvals (18 7(a) loans) for borrowers in Ouachita Parish in fiscal years 2020–2026, from 7 CDFIs. The 7(a) loans total $8.3M approved.

CDFIs with 3 or more: Ouachita Valley Federal Credit Union (7), Caldwell Bank and Trust Company (3), Centric Federal Credit Union (3). 4 more CDFIs made 1 or 2 each.

Counted by the county of the borrower's ZIP code. Approval is not disbursement. These are only the SBA loans of certified CDFIs; most SBA lenders here are not CDFIs, and CDFIs also lend outside SBA programs.

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.

CDFI lending recorded here (FY2022)

CDFI Fund data, released Dec 2024

1,624 loans and investments totaling $426.9M (median $100,000) were reported to the CDFI Fund for borrowers and projects in Ouachita Parish in fiscal year 2022, by 38 reporting CDFIs.

Purpose (CDFI Fund category)CountTotalMedian
Real estate: single-family housing rehabilitation438$88M$109,312
Non-real estate business341$144.1M$135,305
Home purchase285$55.4M$141,300
Non-real estate microenterprise275$6.2M$20,280
Real estate: commercial construction, permanent or acquisition135$89.7M$291,200
Home improvement50$8.7M$50,000
Other purposes100$34.7M

Of 166 individual borrowers whose income was reported, 61% had family income at or below 80% of the area median.

CDFI banks and credit unions also reported 8,938 consumer loans in Ouachita Parish totaling $143M (Consumer Loan Report, tract totals, so no median); they counted 62% of them as serving low-income borrowers.

Loans and investments reported in other years: FY2018 188 · FY2019 638 · FY2020 998 · FY2021 1,738.

Only CDFIs that hold an active CDFI Fund award (CDFI Program, Native American CDFI Assistance or the CDFI Rapid Response Program) report these transactions, so this is not all lending by the certified CDFIs on this page. The Fund masks which CDFI made each loan, so we cannot say which lender listed here made them.

Source: CDFI Fund, CDFI/NACA/CDFI RRP Program Award Recipient Data Release, Transaction Level Report and Consumer Loan Report public files for fiscal year 2022 (released Dec 2024; downloaded 3 Nov 2026). Amounts are original loan or investment amounts as reported. Place = the 2010 census tract of each record. How we count.

Headquartered in Ouachita Parish

The official list gives a headquarters address here. Check each lender's page for where it lends.

Say they serve all of Louisiana

Free help before you apply

These offices give free or low-cost advice: a Small Business Development Center or SCORE mentor can help with the business plan, cash-flow projections and paperwork most business lenders ask for, and a HUD-approved housing counselor can help with a homebuyer course, a budget or a missed mortgage payment. Some counseling agencies also lend; using their advice does not commit you to their loans. Call ahead to check hours and what they cover.

Business advice

Housing counseling

Sources: SBA local assistance listings, read 6 Nov 2026; HUD's list of approved housing counseling agencies (open-data version last updated 9 Apr 2025). For the current list and the services each agency offers, use the CFPB's housing counselor search (it uses HUD's list) or call HUD at 800-569-4287. Offices are placed by ZIP code, so distances are approximate.

Other Louisiana counties

Source: CDFI Atlas, cdfiatlas.com/states/la/counties/ouachita-parish/. © 2026 CDFI Atlas. Quoting with a link is welcome; republishing the pages or the compiled data is not (terms of use).