Applications / Mortgage Analytics / Lenders / Indiana / Hendricks County Bank and Trust Company
Brownsburg, IN · State member bank · FRS · $235 million assets · 55 loans in 2025
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55
loans originated, 2025
75
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hendricks County Bank and Trust Company, a small Indiana bank, made 55 loans in 2025, about a third more than a year earlier, and nearly half were refinances.
Its loans rose 34%, to 55 from 41, while similar lenders (state member banks making between half and twice as many loans) grew 7% and the whole market 10%. That is faster than at about three in four peers. But 2024 was a low year; it made 80 loans in 2018. It filed no report for 2021 or 2022, gaps in the record rather than years without lending.
Refinances made up 49.1% of its loans and home purchases 47.3%. Every loan was conventional. Its typical loan, $195,000, was near the middle of similar lenders, whose typical loan was $175,000.
Borrowers with low or moderate incomes (LMI) took 28.6% of its loans, against 24.5% at the typical similar lender, a higher share than at nearly two in three of them. The share has held steady: 28.0% a year earlier.
It first reported in 1990 and has lent in the Indianapolis area since at least then, a market led by United Wholesale Mortgage and Rocket Mortgage. Its slice there is thin, as one would expect of a bank its size.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. 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. Hendricks County Bank and Trust Company took 75 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 49.1% · Purchase 47.3% · Other 3.6%
Conventional 100.0% · of 55 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 | 55 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 51 |
| Muncie | 1 |
| Terre Haute | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300D5ZV9HW2DYO911 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 633640 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 2633640 | 1990–2017 |
Established 1 January 1908. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Hendricks County Bank and Trust Company's data.
Hendricks County Bank and Trust Company's data
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Hendricks County Bank and Trust Company 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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