Applications / Mortgage Analytics / Lenders / Indiana / Citizens State Bank of New Castle, Indiana
New Castle, IN · State non-member bank · FDIC · $891 million assets · 141 loans in 2025
Citizens State Bank of New Castle, Indiana's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
141
loans originated, 2025
209
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Citizens State Bank of New Castle, Indiana lends more to people of modest means than most similar banks, and its lending grew by 41% in 2025.
The bank made 141 loans in 2025, up from 100. That rise was faster than at more than four in five similar lenders (state non-member banks making between half and twice as many loans). The money it lent grew faster still, from $13.2 million to $34.2 million. It also gained a little share in Muncie, IN and in Indianapolis-Carmel-Greenwood, IN.
Its typical loan was $105,000, smaller than at nearly nine in ten similar lenders, where it was $175,000. Its mix helps explain why. Home purchases were only 38.3% of its lending; refinancing, home improvement and other purposes made up the rest. Every loan was conventional, with no government backing.
Low- and moderate-income (LMI) borrowers took 41.1% of its loans, against 28.0% at similar lenders, more than at four in five of them. Its share in LMI neighborhoods was higher than its peers' too. Majority-minority neighborhoods took just 0.7%. That may reflect the make-up of the 20 counties where it lends, most of them in Indiana.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Citizens State Bank of New Castle, Indiana took 209 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 38.3% · Refinance 34.8% · Other 14.2% · Home improvement 12.8%
Conventional 100.0% · of 141 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 | 137 | 97.2% |
| Ohio | 3 | 2.1% |
| Florida | 1 | 0.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 40 |
| Muncie | 5 |
| Cincinnati | 1 |
| Evansville | 1 |
| Punta Gorda | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300QX5KH5JXXMYU41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1000641 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313107 | 2009–2017 |
Established 3 July 1873. Reported under HMDA 2009-2025.
Mergers, name changes, data editions and corrections: Citizens State Bank of New Castle, Indiana's data.
Citizens State Bank of New Castle, Indiana's data
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Citizens State Bank of New Castle, Indiana 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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