Applications / Mortgage Analytics / Lenders / Indiana / First Federal Savings Bank
Huntington, IN · State non-member bank · FDIC · $559 million assets · 185 loans in 2025
First Federal Savings Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
185
loans originated, 2025
214
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Savings Bank, of Huntington, Indiana, lends to low- and moderate-income borrowers more often than most similar banks, though it made fewer loans in 2025.
It made 185 loans, down 13% from 212, while similar lenders (state non-member banks making between half and twice as many loans) grew 10%. Its dollar total held at $38.2 million, against $38.0 million, because its typical loan rose from $110,000 to $155,000.
Low- and moderate-income (LMI) borrowers took 36.7% of its loans, against 27.7% at a typical similar lender, more than at about four in five. That is down from 44.1% a year earlier. Its share in LMI neighborhoods is lower, 14.6% against 17.7%; the two can differ where lower-income households live outside LMI neighborhoods.
In Fort Wayne, IN it ranks 45 of 304 lenders, with 0.5% of the market, up from 0.4%. Three Rivers Federal Credit Union and Ruoff Mortgage Company lead there. It has lent in the market since its first HMDA report in 1994.
It made 578 loans in 2020, when its typical rate was 3.00%, against 6.88% in 2025. Since 2022 it has made between 185 and 311 a year, and it made 243 in 2018. Cheap money in 2020, rather than its usual pace, may explain the peak.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Savings Bank took 214 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.1% · Refinance 29.7% · Other 8.1% · Home improvement 7.0%
Conventional 100.0% · of 185 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 | 181 | 97.8% |
| Florida | 2 | 1.1% |
| Michigan | 2 | 1.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Wayne | 50 |
| Elkhart-Goshen | 1 |
| Grand Rapids-Wyoming-Kentwood | 1 |
| Kokomo | 1 |
| Naples-Marco Island | 1 |
| Terre Haute | 1 |
| Wildwood-The Villages | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300RMPGD5KKS1RR35 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 107570 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 43892 | 1994–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1703892 | 2011–2011 |
| Respondent ID (the HMDA filer code before 2018) | 329690 | 2012–2017 |
Established 1 January 1932. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: First Federal Savings Bank's data.
First Federal Savings Bank's data
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First Federal Savings Bank 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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