Applications / Mortgage Analytics / Lenders / Indiana / MidWest America Federal Credit Union
Fort Wayne, IN · Credit union · NCUA · $959 million assets · 703 loans in 2025
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703
loans originated, 2025
916
applications, 2025
6
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
MidWest America Federal Credit Union, a Fort Wayne lender, almost doubled its lending in 2025, to 703 loans, mostly small refinances, and gained share in its home market.
It made 703 loans in 2025 against 366 in 2024, a rise of 92%, against 6% for credit unions making between half and twice as many loans and 10% for the whole market. Refinances were 63.0% of its loans, so refinancing may account for much of the rise. Its count is still below its 2020 high of 794.
Its typical loan was $55,000, down from $75,000, the lowest among similar lenders, whose typical loan is $105,000. Home improvement made up 19.6% of its loans and home purchases 16.9%, and all were conventional. Its typical rate fell from 7.49% to 6.49%, lower than about three in four similar lenders.
In Fort Wayne, its largest market, it ranks 13 of 304 lenders, and its share rose 0.7 points, from 1.2% to 1.9%. Three Rivers Federal Credit Union, Ruoff Mortgage Company and Fifth Third Bank lead there.
37.6% of its loans went to low- and moderate-income (LMI) borrowers, against 27.3% for similar lenders, higher than nearly nine in ten of them. It turned down 14.3% of first-lien refinance applications, lower than the 20.1% of similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. MidWest America Federal Credit Union took 916 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 63.0% · Home improvement 19.6% · Purchase 16.9% · Other 0.4%
Conventional 100.0% · of 703 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 | 683 | 97.2% |
| Ohio | 13 | 1.8% |
| Nevada | 3 | 0.4% |
| Florida | 2 | 0.3% |
| Illinois | 1 | 0.1% |
| Michigan | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Wayne | 468 |
| Las Vegas-Henderson-North Las Vegas | 3 |
| Elkhart-Goshen | 1 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Muncie | 1 |
| North Port-Bradenton-Sarasota | 1 |
| South Bend-Mishawaka | 1 |
| Terre Haute | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930030UYPZM65LOF37 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 381978 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 51427 | 1990–2017 |
Established 1 January 1936. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: MidWest America Federal Credit Union's data.
MidWest America Federal Credit Union's data
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MidWest America 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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