Applications / Mortgage Analytics / Lenders / Indiana / First Harrison Bank
Corydon, IN · State non-member bank · FDIC · $1.3 billion assets · 675 loans in 2025
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675
loans originated, 2025
828
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Harrison Bank is an Indiana lender of small loans with a large manufactured-home book and a mix of purchase, refinance and home-improvement lending, holding a steady place in the Louisville market.
Manufactured homes are 12.6% of its loans, against 1.5% at similar lenders (state non-member banks making between half and twice as many loans), higher than more than nine in ten of them. Its typical loan of $125,000 is smaller than more than eight in ten similar lenders'. Purchases are 35.9% of its loans, refinances 23.1%, home improvement 22.4% and other purposes 18.7%.
Higher-priced loans (a rate well above the average for similar loans) were 6.5% of its lending, against 1.6% at similar lenders. Its manufactured-home lending, together with its home-improvement and other-purpose loans, could account for most of that difference. Its typical rate of 6.37% is lower than similar lenders' 6.75%, and its purchase denial rate of 5.9% is close to their 5.3%.
Low- and moderate-income (LMI) borrowers took 37.2% of its loans, against 26.4% at similar lenders, higher than nearly nine in ten. Loans in majority-minority tracts were 1.2%, against 8.3%; the 29 counties it lends in, mostly in Indiana, are one possible reason.
It ranks 20 of 510 lenders in Louisville/Jefferson County, where it has lent since before 1990, with a share of 1.2%, up from 1.1%. In 2025 it entered Birmingham, Huntsville and Decatur in Alabama.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Harrison Bank took 828 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 35.9% · Refinance 23.1% · Home improvement 22.4% · Other 18.7%
Conventional 95.0% · FHA 4.0% · VA 0.9% · USDA (RHS or FSA) 0.1% · of 675 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 | 512 | 75.9% |
| Kentucky | 156 | 23.1% |
| Alabama | 4 | 0.6% |
| Tennessee | 2 | 0.3% |
| Florida | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 617 |
| Lexington-Fayette | 3 |
| Birmingham | 2 |
| Elizabethtown | 2 |
| Bowling Green | 1 |
| Decatur | 1 |
| Huntsville | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LGEXCX325O8C49 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 716374 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 46568 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1706568 | 2011–2017 |
Established 1 January 1891. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Harrison Bank's data.
First Harrison Bank's data
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