Applications / Mortgage Analytics / Lenders / Indiana / PrimeTrust Financial Federal Credit Union
Muncie, IN · Credit union · NCUA · $257 million assets · 65 loans in 2025
PrimeTrust Financial Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
65
loans originated, 2025
88
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
PrimeTrust Financial Federal Credit Union is a Muncie lender of small home-improvement loans, and its typical loan is smaller than at almost any similar credit union.
Home improvement made up 52.3% of its 65 loans in 2025 and other purposes 24.6%; purchases were only 7.7%. Its typical loan was $45,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at almost all of them. It has lent in Muncie since at least 1990.
Its loans rose 55% last year, from 42 to 65, while peers grew 7%. That returns it to the level of 2020 and 2021, when it made 64 and 66 loans.
Low- and moderate-income (LMI) borrowers took 38.5% of its loans, more than at about seven in ten peers, whose typical share is 30.9%. None of its loans was higher-priced (a rate well above the average for similar loans), against 3.1% at peers. Its typical rate, 7.38%, was above the peers' 6.75%, higher than at about four in five; its home-improvement lending may account for that.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. PrimeTrust Financial Federal Credit Union took 88 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 52.3% · Other 24.6% · Refinance 15.4% · Purchase 7.7%
Conventional 100.0% · of 65 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 | 65 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Muncie | 51 |
| Indianapolis-Carmel-Greenwood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900HUD7SD8U5L3C11 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 969871 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 5489 | 1990–2017 |
Established 1 January 1935. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: PrimeTrust Financial Federal Credit Union's data.
PrimeTrust Financial Federal Credit Union's data
$215
PrimeTrust Financial 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.
Buy PrimeTrust Financial Federal Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]