Applications / Mortgage Analytics / Lenders / Indiana / United Fidelity Bank
Evansville, IN · Savings institution · OCC · $6.3 billion assets · 15 loans in 2025
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15
loans originated, 2025
38
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
United Fidelity Bank, a $6.3 billion savings institution, now originates very few home loans, 15 in 2025 against 206 in 2022, and bought more loans than it made.
Originations fell from 206 in 2022 to 41 in 2023 and 14 in 2024, and stood at 15 in 2025. Its count is lower than about nine in ten similar lenders (savings institutions making between half and twice as many loans). For a bank of its size, this may reflect a choice to put its money into other kinds of lending or investment; the data cannot say which.
It reported 37 purchased loans, while a typical similar lender bought none. Five years before it bought 151. Buying loans from other lenders is one way for a bank to hold mortgages without running a full origination operation.
Its $54.5 million in lending, up from $1.4 million, came from just 15 loans, while its typical loan was $165,000. So a small number of very large loans may account for most of the total, and may also explain its share of 0.3% in Indianapolis, where it ranks 67 of 634.
With 15 loans, its shares of LMI (low- and moderate-income) borrowers, its rates and its denials are too small to read much into, and a single application can move them several points.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. United Fidelity Bank took 38 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 66.7% · Refinance 26.7% · Home improvement 6.7%
Conventional 100.0% · of 15 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 |
|---|---|---|
| Indiana | 13 | 86.7% |
| Illinois | 2 | 13.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Evansville | 10 |
| Indianapolis-Carmel-Greenwood | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RV3BMT6ES6TO70 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 391575 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43676 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703676 | 2011–2017 |
Established 1 January 1931. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: United Fidelity Bank's data.
United Fidelity Bank's data
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United Fidelity Bank 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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