Applications / Mortgage Analytics / Lenders / Indiana / Regional Federal Credit Union
Winfield, IN · Credit union · NCUA · $183 million assets · 103 loans in 2025
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103
loans originated, 2025
130
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Regional Federal Credit Union is a home-improvement lender: seven in ten of its loans in 2025 paid for work on a home.
Home-improvement loans made up 71.8% of its lending. Purchases were 23.3% and refinancings only 4.9%. All its loans were conventional. Its typical rate, 6.49%, was lower than at more than seven in ten similar lenders, meaning credit unions making between half and twice as many loans.
Its loan count rose most years from 53 in 2018 to 123 in 2024. In 2025 it fell 16% to 103, while similar lenders grew by 8% and the whole market by 10%. Yet its dollar lending rose from $9.7 million to $16.1 million, as its typical loan grew from $65,000 to $95,000.
Some 21.3% of its loans went to majority-minority neighborhoods, against 9.4% for peers, and 21.3% to low- and moderate-income neighborhoods, against 17.3%. Both are far above their 2020 levels, though the minority-area share was 33.0% a year earlier.
Its biggest market is the Chicago area, where it has lent since 1992 and ranks 308 of 902 lenders. It also lends in Michigan City, where its share rose to 0.1%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Regional Federal Credit Union took 130 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 71.8% · Purchase 23.3% · Refinance 4.9%
Conventional 100.0% · of 103 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 | 95 | 92.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lake County-Porter County-Jasper County | 89 |
| Michigan City-La Porte | 2 |
| Terre Haute | 2 |
| Indianapolis-Carmel-Greenwood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900YE6JQ826RUVB14 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1001880 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 515072 | 1992–2017 |
Established 1 January 1962. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Regional Federal Credit Union's data.
Regional Federal Credit Union's data
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Regional 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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