Growing again
Originations rose 19% to 243, against 5% at similar lenders (national banks making between half and twice as many loans) and 10% for the whole market. In 2020 it made 789 loans; since 2022 its count has stayed between 205 and 282.
Applications / Mortgage Analytics / Lenders / Indiana / FCN Bank
FCN Bank
Brookville, IN · National bank · OCC · $793 million assets · 243 loans in 2025
FCN Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
243
loans originated, 2025
280
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FCN Bank, an Indiana national bank, grew faster than most similar lenders in 2025 and lends more to lower-income borrowers than about six in seven of them.
Smaller loans, more manufactured homes
Its typical loan was $155,000, against $205,000 at peers. Manufactured homes made up 8.6% of its loans, against 1.4%. Purchases were 42.4% and refinances 37.0%.
More lower-income lending
Low- and moderate-income (LMI) borrowers took 36.8% of its loans, against 25.2% at peers. LMI neighborhoods took 20.6%, against 15.8%, more than at about seven in ten. Its smaller loans and manufactured homes fit that pattern.
A small share of Cincinnati
In Cincinnati, IN-KY-OH, its largest market, it ranked 83 of 621 lenders with 0.2% of the market. United Wholesale Mortgage led. Its 2020 merger with Dearborn Savings Bank counts in these figures.
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
243 loans in 2025, against a peak of 789 in 2020.
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FCN Bank took 280 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
42.4% of its 2025 loans were purchase loans; all were conventional loans.
Purchase 42.4% · Refinance 37.0% · Other 11.9% · Home improvement 8.6%
Conventional 100.0% · of 243 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
3 states, 4 metros, 21 counties
| State | Loans | Share |
|---|---|---|
| Indiana | 206 | 84.8% |
| Ohio | 33 | 13.6% |
| Kentucky | 4 | 1.6% |
Largest metro areas, 2025
Loans originated
| Metro area | Loans |
|---|---|
| Cincinnati | 155 |
| Indianapolis-Carmel-Greenwood | 3 |
| Louisville/Jefferson County | 2 |
| Kokomo | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XYOAX0LV89BL94 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 321947 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15629 | 2004–2017 |
Established 1 January 1900. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: FCN Bank's data.
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