Applications / Mortgage Analytics / Lenders / Indiana / Kentland Bank
Kentland, IN · State non-member bank · FDIC · $407 million assets · 40 loans in 2025
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40
loans originated, 2025
40
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Kentland Bank, a small Indiana purchase lender, makes more than a third of its loans in low- and moderate-income neighborhoods, a higher share than more than four in five similar banks.
Of its 40 loans in 2025, 35.9% went to low- and moderate-income (LMI) neighborhoods, against 19.0% at similar banks (state non-member banks making between half and twice as many loans). Its share of LMI borrowers, 22.2%, is below their 27.4%. That pattern may reflect where it lends: the 17 counties it serves, several outside any metro area, may hold many neighborhoods classed as LMI.
Purchases made up 70.0% of its loans and refinances 27.5%, all conventional. Its typical loan was $150,000, a little below the $165,000 at its peers.
It made 40 loans, down 11% from 45, while its peers grew by 2% and the whole market by 10%. With so few loans, a handful of deals sets the direction. It filed no report for 2020 to 2023; those are gaps in the record, not years without lending.
It ranks 57 of 267 lenders in Lafayette-West Lafayette, where its share eased to 0.2% from 0.3%, in line with its smaller loan count. Purdue Federal Credit Union leads there with $154.7M.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Kentland Bank took 40 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 70.0% · Refinance 27.5% · Home improvement 2.5%
Conventional 100.0% · of 40 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 | 30 | 75.0% |
| Illinois | 8 | 20.0% |
| Michigan | 1 | 2.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette-West Lafayette | 13 |
| Lake County-Porter County-Jasper County | 9 |
| Indianapolis-Carmel-Greenwood | 4 |
| Champaign-Urbana | 1 |
| Evansville | 1 |
| Muncie | 1 |
| Niles | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493003XL7HDGFTGQI87 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 367543 | 2004–2019 |
| Respondent ID (the HMDA filer code before 2018) | 313843 | 2004–2017 |
Established 19 September 1932. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Kentland Bank's data.
Kentland Bank's data
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