Applications / Mortgage Analytics / Lenders / Indiana / American Community Bank of Indiana
Saint John, IN · State non-member bank · FDIC · $381 million assets · 102 loans in 2025
American Community Bank of Indiana's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
102
loans originated, 2025
105
applications, 2025
7
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
American Community Bank of Indiana lends mainly to home buyers, and makes less than a quarter as many loans as it did five years ago.
It made 102 loans in 2025, against 455 in 2020 and 439 in 2021. The data do not say why the count fell. In 2025 it rose by 7%, near the middle of similar lenders (state non-member banks making between half and twice as many loans), whose count rose 9%.
Home purchases made up 72.5% of its loans. Its typical loan was $295,000, against $175,000 at peers, higher than more than four in five of them. None of its loans were jumbo, against 11.7% five years before.
Loans in poorer neighborhoods (low- and moderate-income, or LMI, tracts) were 7.8% of its lending, against 18.3% at peers, lower than more than four in five of them. Loans in majority-minority areas were 15.7%, against 5.9%. Where it lends may explain both: mainly the Chicago area, with a few loans in seven states, where a handful of loans moves these shares.
In Chicago-Naperville-Elgin it ranked 247 of 902 lenders, and it has lent there since 1990. JPMorgan Chase Bank led.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. American Community Bank of Indiana took 105 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 72.5% · Refinance 18.6% · Other 8.8%
Conventional 100.0% · of 102 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 | 85 | 83.3% |
| Illinois | 8 | 7.8% |
| Florida | 4 | 3.9% |
| Michigan | 2 | 2.0% |
| Arizona | 1 | 1.0% |
| Kentucky | 1 | 1.0% |
| Wisconsin | 1 | 1.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lake County-Porter County-Jasper County | 82 |
| Chicago-Naperville-Schaumburg | 6 |
| Indianapolis-Carmel-Greenwood | 2 |
| Orlando-Kissimmee-Sanford | 2 |
| Bloomington | 1 |
| Cape Coral-Fort Myers | 1 |
| Kankakee | 1 |
| Lake County | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900PS2KU65ZEUOA41 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1010574 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 44247 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 1704247 | 2011–2013 |
| Respondent ID (the HMDA filer code before 2018) | 329878 | 2014–2017 |
Established 1 January 1910. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: American Community Bank of Indiana's data.
American Community Bank of Indiana's data
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American Community Bank of Indiana 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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