Applications / Mortgage Analytics / Lenders / Indiana / German American Bank
Jasper, IN · State non-member bank · FDIC · $8.4 billion assets · 3,698 loans in 2025
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3,698
loans originated, 2025
5,007
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
German American Bank, a small-loan lender centred on non-metro Indiana, grew faster than most similar banks in 2025 and gained share in Columbus and Cincinnati, the year it merged with Heartland Bank.
Loans rose 25% to 3,698, higher than about four in five similar lenders (state non-member banks making between half and twice as many loans), whose typical growth was 10%, as was the whole market's. Dollars lent rose to $823.5 million from $473.0 million. Its share rose from 0.0% to 0.8% in Columbus and to 0.5% in Cincinnati; the 2025 merger with Heartland Bank, whose filings count as this lender's, could account for much of that.
Its typical loan was $125,000 against $215,000 at peers, among the lowest tenth. Home improvement made up 20.0% of its loans and other purposes 15.4%, which could explain some of the gap.
It ranks 5 of 555 in non-metro Indiana and 5 of 248 in Evansville, where its share rose 1.5 points to 4.5%. In Louisville its share eased 0.1 points to 1.1%.
Low- and moderate-income (LMI) borrowers took 29.7% of its loans, a little above the peers' 28.5%. But only 12.0% went to LMI tracts, against 16.0%, lower than nearly nine in ten peers, and 2.1% to majority-minority tracts, against 10.9%, among the lowest tenth. A possible reason is a footprint centred on non-metro Indiana and Evansville.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. German American Bank took 5,007 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 33.1% · Refinance 31.6% · Home improvement 20.0% · Other 15.4%
Conventional 95.6% · FHA 3.5% · USDA (RHS or FSA) 0.4% · VA 0.4% · of 3,698 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 | 2,053 | 55.5% |
| Kentucky | 1,097 | 29.7% |
| Ohio | 515 | 13.9% |
| Illinois | 13 | 0.4% |
| Tennessee | 9 | 0.2% |
| Florida | 3 | 0.1% |
| Michigan | 2 | 0.1% |
| Alabama | 1 | 0.0% |
| Colorado | 1 | 0.0% |
| Georgia | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 563 |
| Columbus | 403 |
| Cincinnati | 303 |
| Evansville | 256 |
| Columbus | 142 |
| Bowling Green | 112 |
| Owensboro | 101 |
| Bloomington | 95 |
| Indianapolis-Carmel-Greenwood | 58 |
| Elizabethtown | 27 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493002JDOI3GTNVUD76 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 37640 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 317393 | 2002–2017 |
Established 10 November 1910. Reported under HMDA 2002-2025.
Mergers, name changes, data editions and corrections: German American Bank's data.
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