Applications / Mortgage Analytics / Lenders / Indiana / The Home National Bank of Thorntown
Thorntown, IN · National bank · OCC · $183 million assets · 54 loans in 2025
The Home National Bank of Thorntown's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
54
loans originated, 2025
57
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The Home National Bank of Thorntown, an Indiana lender of larger-than-usual loans, made 54 loans in 2025, close to its level before an unusually busy 2023.
Its loans fell 14%, from 63 to 54, while similar lenders (national banks making between half and twice as many loans) grew 2% and the whole market 10%. The fall follows a peak of 108 loans in 2023. In the years it reported before that, it made between 45 and 57, so 2025 looks like a return to its usual size.
Its typical loan was $260,000, against $185,000 at similar lenders, higher than about seven in ten of them. Every loan was conventional, and home purchases made up 63.0% of its lending.
Only 1.8% of its loans went to low- and moderate-income (LMI) tracts, against 16.7% at similar lenders. On 54 loans that is a single loan. Its share of LMI borrowers, 19.6%, is nearer the 23.4% of similar lenders. A purchase lender making larger loans may simply find fewer buyers in poorer tracts.
It first lent in Columbus, Indiana in 2025, where it ranks 101 of 174 lenders, and its share in Muncie rose. It has lent in the Indianapolis area since at least 1990.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. The Home National Bank of Thorntown took 57 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 63.0% · Refinance 33.3% · Other 3.7%
Conventional 100.0% · of 54 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 | 54 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 42 |
| Columbus | 1 |
| Muncie | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300Z0OW7UDR5F5Z46 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 696645 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 15842 | 1990–2017 |
Established 31 May 1901. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: The Home National Bank of Thorntown's data.
The Home National Bank of Thorntown's data
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The Home National Bank of Thorntown 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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