Applications / Mortgage Analytics / Lenders / Indiana / Encompass Federal Credit Union
Tipton, IN · Credit union · NCUA · $264 million assets · 89 loans in 2025
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89
loans originated, 2025
102
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Encompass Federal Credit Union, a Tipton, Indiana credit union, makes mostly small refinance loans; it held steady at 89 loans in 2025.
Its 89 loans were 1% more than in 2024, near the middle of similar lenders (credit unions making between half and twice as many loans), whose typical change was a rise of 7%. It made 164 loans in 2022, its first report after a gap from 2018 to 2021, then 73 in 2023. It has held near 88 since.
Refinances made up 80.9% of its loans and home purchases 19.1%, all conventional. Its typical loan was $75,000, against $95,000 at similar lenders, smaller than about three in four of them. So its $10.5 million in lending was below peers' $12.3 million, though it made as many loans.
It made 29.2% of its loans to low- and moderate-income (LMI) borrowers and 18.0% in LMI areas, both near similar lenders' shares. It made none in majority-minority areas, where peers made 9.1%; the Indiana counties it serves may explain that.
It has lent in Kokomo, IN since 1994. It ranked 94 of 209 lenders there, with a steady 0.1% share; Community First Bank of Indiana and Ruoff Mortgage Company lead.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Encompass Federal Credit Union took 102 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 80.9% · Purchase 19.1%
Conventional 100.0% · of 89 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 | 89 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 41 |
| Kokomo | 6 |
| Lafayette-West Lafayette | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300NDK40VRDTY4O46 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 254689 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 58548 | 1990–2015 |
Established 1 January 1953. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Encompass Federal Credit Union's data.
Encompass Federal Credit Union's data
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Encompass 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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