Applications / Mortgage Analytics / Lenders / Indiana / Crossroads Bank
Wabash, IN · State non-member bank · FDIC · $587 million assets · 205 loans in 2025
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205
loans originated, 2025
232
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Crossroads Bank, an Indiana home-purchase lender, has made between 205 and 216 loans a year since 2023, far below the 895 it made in 2020.
It made 205 loans in 2025, down 3% from 212. Similar lenders (state non-member banks making between half and twice as many loans) grew 10%, as did the whole market, and its change was lower than at about three in four of them. Its count was 403 in 2019, before the 2020 peak.
Home purchases made up 61.5% of its loans and refinances 30.2%, and every loan was conventional. Its typical loan, $155,000, was smaller than at nearly two-thirds of similar lenders, where it was $175,000. It turned down 3.7% of home-purchase applications, against 5.7% at similar lenders.
In Fort Wayne, IN it ranked 53 of 304 lenders, with 0.4% of the dollars, up from 0.3%. Three Rivers Federal Credit Union and Ruoff Mortgage Company lead there. Its share in Elkhart-Goshen, IN also rose, to 0.1%.
Low- and moderate-income (LMI) borrowers took 30.1% of its loans, against 27.9% at similar lenders, more than at about three in five of them. Its share in LMI neighborhoods, 14.6%, was below their 17.4%. Its markets, mostly in non-metro Indiana, may hold fewer such neighborhoods.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Crossroads Bank took 232 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 61.5% · Refinance 30.2% · Home improvement 4.9% · Other 3.4%
Conventional 100.0% · of 205 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 | 205 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Wayne | 37 |
| Elkhart-Goshen | 4 |
| Indianapolis-Carmel-Greenwood | 2 |
| Kokomo | 2 |
| South Bend-Mishawaka | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KTSX5SM2W0VV58 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 228279 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44175 | 1998–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1704175 | 2011–2014 |
| Respondent ID (the HMDA filer code before 2018) | 329839 | 2015–2017 |
Established 1 January 1920. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Crossroads Bank's data.
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