Top of the table at home
It ranked 1 of 209 lenders in Kokomo, where it has lent since 2004. Ruoff Mortgage Company and First Farmers Bank & Trust Company came next.
Applications / Mortgage Analytics / Lenders / Indiana / Community First Bank of Indiana
Community First Bank of Indiana
Kokomo, IN · State non-member bank · FDIC · $933 million assets · 148 loans in 2025
Community First Bank of Indiana's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
148
loans originated, 2025
189
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community First Bank of Indiana is the biggest mortgage lender in Kokomo, IN, and in 2025 its share there rose to 6.1% from 3.8%.
Fewer loans, more money
It made 148 loans, down 3% from 152, while similar lenders (state non-member banks making between half and twice as many loans) grew 10%. Yet its lending rose to $56.0 million from $36.0 million, higher than more than three-quarters of similar lenders, as its typical loan grew to $155,000 from $125,000.
More loans in poorer neighborhoods
Low- and moderate-income (LMI) neighborhoods received 23.8% of its loans, against 17.3% at similar lenders, higher than about seven in ten. Its share of loans to LMI borrowers, 28.9%, was near the middle. Every loan was conventional.
Below the 2020 peak
It made 320 loans in 2020 and fewer every year since, even as its Kokomo share grew. Fewer refinances may be part of the reason; they are now 25.7% of its loans, and purchases 63.5%.
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
148 loans in 2025, against a peak of 320 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Community First Bank of Indiana took 189 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
63.5% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 63.5% · Refinance 25.7% · Home improvement 8.1% · Other 2.7%
Conventional 100.0% · of 148 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
2 states, 7 metros, 21 counties
| State | Loans | Share |
|---|---|---|
| Indiana | 147 | 99.3% |
| California | 1 | 0.7% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Kokomo | 85 |
| Indianapolis-Carmel-Greenwood | 38 |
| Lafayette-West Lafayette | 3 |
| Muncie | 2 |
| Lake County-Porter County-Jasper County | 1 |
| Louisville/Jefferson County | 1 |
| Sacramento-Roseville-Folsom | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z6RK4QCIMZJD44 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3165357 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 357511 | 2004–2017 |
Established 3 February 2003. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Community First Bank of Indiana's data.
The data and the software behind these pages
Community First Bank of Indiana's data
$215
Community First Bank of 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.
Buy Community First Bank of Indiana'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]