Applications / Mortgage Analytics / Lenders / Indiana / FORT Financial Federal Credit Union
Fort Wayne, IN · Credit union · NCUA · $371 million assets · 306 loans in 2025
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306
loans originated, 2025
564
applications, 2025
8
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
FORT Financial Federal Credit Union, a Fort Wayne lender since at least 1990, makes small loans for many purposes and lends more to low- and moderate-income borrowers than most similar credit unions.
Refinances made up 31.4% of its loans, other purposes 26.5%, purchases 24.2% and home improvement 18.0%. All were conventional. Its typical loan, $85,000, was smaller than the $105,000 at similar lenders (credit unions making between half and twice as many loans), which fits a book heavy in home-improvement and other-purpose loans.
Low- and moderate-income (LMI) borrowers took 37.4% of its loans, against 27.2% at similar lenders, more than at about four in five of them. Its share in LMI neighborhoods, 14.4%, was close to peers' 15.8%.
In Fort Wayne it ranks 26 of 304 lenders, with 1.0% of the market, up 0.1 points. Its newest markets, Port St. Lucie and Columbus, carry tiny shares.
Its loans fell 4% in 2025, while similar lenders grew 7% and the whole market 10%. At 306, they were still above the 291 of 2023 but below the high of 396 in 2021. Fewer applications in its markets may explain the dip.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. FORT Financial Federal Credit Union took 564 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 31.4% · Other 26.5% · Purchase 24.2% · Home improvement 18.0%
Conventional 100.0% · of 306 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 | 248 | 81.0% |
| Mississippi | 39 | 12.7% |
| North Carolina | 9 | 2.9% |
| Ohio | 5 | 1.6% |
| Tennessee | 2 | 0.7% |
| Florida | 1 | 0.3% |
| Kentucky | 1 | 0.3% |
| Michigan | 1 | 0.3% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Fort Wayne | 162 |
| Charlotte-Concord-Gastonia | 7 |
| Elkhart-Goshen | 2 |
| Columbus | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
| Louisville/Jefferson County | 1 |
| Muncie | 1 |
| Port St. Lucie | 1 |
| South Bend-Mishawaka | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 54930027H7CJF9GCDZ36 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 601171 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55431 | 1990–2017 |
Established 1 January 1946. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: FORT Financial Federal Credit Union's data.
FORT Financial Federal Credit Union's data
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FORT Financial Federal 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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