Applications / Mortgage Analytics / Lenders / Indiana / LNB Community Bank
Lynnville, IN · State non-member bank · FDIC · $187 million assets · 170 loans in 2025
LNB Community Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
170
loans originated, 2025
212
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
LNB Community Bank, a small Indiana lender, made 20% fewer loans in 2025 while similar banks grew.
Its originations fell 20% while similar lenders (state non-member banks making between half and twice as many loans) grew 10%, as did the market. Its change was among the lowest tenth of peers. It made 347 loans in 2020 and fewer in every year since but one, 2024.
In Evansville, where it has lent since at least 1990, it ranked 12 of 248 lenders with 2.0% of the market, down 0.6 points. Liberty Federal Credit Union led. Its own falling volume is one possible reason; gains by larger lenders are another.
Every loan was conventional. Home purchases made up 55.9%. Manufactured homes took 5.3%, against 2.6% at peers. Its typical loan was $155,000, against $175,000.
Borrowers with low and moderate incomes (LMI) took 31.1% of its loans, against 27.9% at peers. LMI neighborhoods took only 5.3%, against 17.4%, among the lowest tenth of peers. Geography may explain it. Its 12 counties, mostly in Indiana, may hold few such tracts.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. LNB Community Bank took 212 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 55.9% · Refinance 24.1% · Other 12.9% · Home improvement 7.1%
Conventional 100.0% · of 170 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 | 167 | 98.2% |
| Kentucky | 3 | 1.8% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Evansville | 132 |
| Indianapolis-Carmel-Greenwood | 3 |
| Clarksville | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 213800XA5M2HOWATHG59 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 176642 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 18868 | 1990–2014 |
| Respondent ID (the HMDA filer code before 2018) | 34398 | 2015–2017 |
Established 1 September 1907. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: LNB Community Bank's data.
LNB Community Bank's data
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LNB Community 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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