Applications / Mortgage Analytics / Lenders / Indiana / Three Rivers Federal Credit Union
Fort Wayne, IN · Credit union · NCUA · $2.7 billion assets · 2,592 loans in 2025
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2,592
loans originated, 2025
3,548
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Three Rivers Federal Credit Union ranks first of 304 lenders in Fort Wayne, where it has lent since before 1990 and held 12.5% of the market in 2025.
Similar lenders are credit unions making between half and twice as many loans. Three Rivers Federal Credit Union ranks 1 of 304 in Fort Wayne, with 12.5% of the market against 12.2% a year earlier, ahead of Ruoff Mortgage Company in second place with $239.9M.
Originations fell 2% to 2,592, a change lower than about five in six similar lenders', who grew 10%, as did the whole market. The amount it lent still rose, to $475.6 million from $443.2 million, as its typical loan rose to $125,000 from $105,000, so the drop is in the number of loans, not in dollars.
2.9% of its loans were in majority-minority areas against 11.0%, lower than about six in seven similar lenders, and 11.1% in LMI (low- and moderate-income) areas against 14.7%. Its lending centres on Fort Wayne and non-metro Indiana and Ohio, which could hold fewer such areas than similar lenders' markets. Its share to LMI borrowers, 30.3%, was higher than peers' 27.6%.
Higher-priced loans (a rate well above the average for similar loans) were 2.2%, against 14.4% five years before and 1.7% at similar lenders; its typical rate, 7.00%, matched peers'. Manufactured homes, 1.3% of its loans against 0.4%, could account for part of that small difference.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Three Rivers Federal Credit Union took 3,548 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 45.3% · Refinance 22.7% · Home improvement 21.3% · Other 10.6%
Conventional 99.9% · USDA (RHS or FSA) 0.1% · of 2,592 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 | 2,450 | 94.5% |
| Ohio | 113 | 4.4% |
| Michigan | 12 | 0.5% |
| Florida | 11 | 0.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Wayne | 1,723 |
| Indianapolis-Carmel-Greenwood | 64 |
| Muncie | 43 |
| Toledo | 5 |
| Cape Coral-Fort Myers | 4 |
| Dayton-Kettering-Beavercreek | 3 |
| Elkhart-Goshen | 3 |
| Lima | 3 |
| Cincinnati | 2 |
| Naples-Marco Island | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300ZBBGOL4MIK0L71 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 899576 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5159 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Three Rivers Federal Credit Union's data.
Three Rivers Federal Credit Union's data
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Three Rivers Federal Credit Union 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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