Applications / Mortgage Analytics / Lenders / Indiana / Financial Center First Credit Union
Indianapolis, IN · Credit union · NCUA · $952 million assets · 247 loans in 2025
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247
loans originated, 2025
407
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Financial Center First Credit Union makes small loans for many purposes, and more of them go to borrowers of modest means than at most similar lenders.
Refinancing made up 34.8% of its loans, other purposes 30.4% and home improvement 21.1%. Its typical loan was $65,000, against $105,000 at similar lenders (credit unions making between half and twice as many loans), among the lowest tenth. Its spread of purposes may explain the small sums.
It made 247 loans, 23% fewer than in 2024, while similar lenders grew 6%. In 2020 it made 680. The figures do not show which kinds of loan fell.
Low- and moderate-income (LMI) borrowers took 40.6% of its loans, against 27.7% at peers, more than at about six in seven. Majority-minority areas took 15.0%, near the middle.
All its lending was in Indiana. It merged with Ball State Federal Credit Union in 2020, whose filings count as its own in the market figures. Its share rose in Muncie. In Kokomo it ranked 66 of 209 lenders and its share slipped 0.2 points, possibly because it made fewer loans.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Financial Center First Credit Union took 407 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 34.8% · Other 30.4% · Home improvement 21.1% · Purchase 13.8%
Conventional 100.0% · of 247 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 | 247 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 181 |
| Muncie | 42 |
| Kokomo | 10 |
| Columbus | 2 |
| Bloomington | 1 |
| Lafayette-West Lafayette | 1 |
| Lake County-Porter County-Jasper County | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GYDLDVRYKJ3N02 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 321282 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58594 | 1994–2016 |
| Respondent ID (the HMDA filer code before 2018) | 568658 | 2017–2017 |
Established 1 January 1953. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Financial Center First Credit Union's data.
Financial Center First Credit Union's data
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Financial Center First 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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