Applications / Mortgage Analytics / Lenders / Indiana / First Savings Bank
Jeffersonville, IN · State member bank · FRS · $2.4 billion assets · 714 loans in 2025
First Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
714
loans originated, 2025
1,283
applications, 2025
42
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Savings Bank is an Indiana bank whose lending has shrunk from 14,447 loans in 2020 to 714 in 2025, now mostly refinances spread across 42 states.
It made 14,447 loans in 2020, 10,581 in 2021, 4,719 in 2022 and 2,974 in 2023, then 749 in 2024 and 714 in 2025. Five years before, 6.7% of its loans were insured by the Federal Housing Administration (FHA) and 10.1% guaranteed by the Department of Veterans Affairs (VA), and it bought 299 loans; now every loan is conventional and it bought 3. The fall may reflect a step back from government-backed lending and loan buying across a wider market.
Refinances are 62.9% of its loans and purchases 23.2%. It still lends in 42 states, 144 metros and 271 counties. Its typical loan of $270,000 is larger than more than eight in ten similar lenders' (state member banks making between half and twice as many loans).
Its loans fell 5%, while similar lenders' rose 7% and the whole market's 10%, lower than more than eight in ten of them. In Louisville/Jefferson County, where it has lent since before 1990, it ranks 56 of 510 with a share unchanged at 0.4%.
Loans in majority-minority tracts were 12.5%, against 6.5% at similar lenders, higher than about two in three, though down from 20.3% five years before. Low- and moderate-income borrowers took 22.0%, against 26.9%; its refinance-heavy book of larger loans is one possible reason.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Savings Bank took 1,283 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 62.9% · Purchase 23.2% · Home improvement 8.7% · Other 5.2%
Conventional 100.0% · of 714 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 | 316 | 44.3% |
| Florida | 34 | 4.8% |
| California | 31 | 4.3% |
| Georgia | 24 | 3.4% |
| North Carolina | 22 | 3.1% |
| Missouri | 20 | 2.8% |
| Tennessee | 20 | 2.8% |
| Illinois | 17 | 2.4% |
| Arizona | 16 | 2.2% |
| Michigan | 16 | 2.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 230 |
| Atlanta-Sandy Springs-Roswell | 16 |
| Phoenix-Mesa-Chandler | 13 |
| Kansas City | 11 |
| Las Vegas-Henderson-North Las Vegas | 11 |
| Nashville-Davidson--Murfreesboro--Franklin | 10 |
| Arlington-Alexandria-Reston | 9 |
| Chicago-Naperville-Schaumburg | 8 |
| Minneapolis-St. Paul-Bloomington | 8 |
| Orlando-Kissimmee-Sanford | 8 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | WKN6AF1FCL7BBYGTGI83 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 785473 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44433 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1704433 | 2011–2013 |
| Respondent ID (the HMDA filer code before 2018) | 2785473 | 2014–2017 |
Established 7 January 1938. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Savings Bank's data.
First Savings Bank's data
$215
First Savings 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.
Buy First Savings Bank's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]