Applications / Mortgage Analytics / Lenders / Indiana / TECH Credit Union
Crown Point, IN · Credit union · NCUA · $583 million assets · 721 loans in 2025
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721
loans originated, 2025
965
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
TECH Credit Union is an Indiana credit union of small home-improvement, refinance and other loans, whose lending grew 18% in 2025, faster than most similar lenders.
Home improvement was 35.9% of its loans, refinances 23.6%, other purposes 21.2% and purchases 19.3%. Its typical loan, $75,000, was smaller than at more than nine in ten similar lenders (credit unions making between half and twice as many loans), where it was $105,000. All its loans were conventional, and none was jumbo (larger than the conforming limit).
Originations rose 18% to 721, while similar lenders grew 7% and the whole market 10%. That is about double its 372 loans of 2020; it filed no report for 2021.
It ranked 142 of 902 lenders in Chicago-Naperville-Elgin, where it has lent since 1992, and 21 of 241 in Michigan City-La Porte, where its share held at 1.0%. In 2025 it first lent in Charlotte, Fort Wayne and Evansville, with shares too small to read much into.
It turned down 2.6% of home-purchase applications, lower than about four in five similar lenders, where the rate was 6.3%. LMI (low- and moderate-income) areas took 11.3% of its loans, against 15.1% at peers; the make-up of its markets is one plausible reason. Its share in majority-minority areas, 11.8%, was near the middle of peers.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. TECH Credit Union took 965 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 35.9% · Refinance 23.6% · Other 21.2% · Purchase 19.3%
Conventional 100.0% · of 721 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 | 678 | 94.0% |
| Illinois | 40 | 5.5% |
| Georgia | 1 | 0.1% |
| North Carolina | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lake County-Porter County-Jasper County | 609 |
| Michigan City-La Porte | 48 |
| Chicago-Naperville-Schaumburg | 39 |
| South Bend-Mishawaka | 4 |
| Indianapolis-Carmel-Greenwood | 2 |
| Charlotte-Concord-Gastonia | 1 |
| Elgin | 1 |
| Evansville | 1 |
| Fort Wayne | 1 |
| Lafayette-West Lafayette | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QYV7W4MRNEFK89 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 237477 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568225 | 1998–2017 |
Established 1 January 1936. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: TECH Credit Union's data.
TECH Credit Union's data
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TECH 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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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.
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