Applications / Mortgage Analytics / Lenders / Indiana / Thrive Federal Credit Union
Muncie, IN · Credit union · NCUA · $107 million assets · 74 loans in 2025
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74
loans originated, 2025
76
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Thrive Federal Credit Union lends almost entirely to people who already own their homes in and around Muncie, and hardly at all to buyers.
Refinancing made up 62.2% of its loans in 2025, other purposes 20.3% and home improvement 16.2%. Purchases were just 1.4%. Every loan was conventional. That makes it a lender to people who already own homes, not a route into ownership.
The typical loan was $55,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans), smaller than all but a few of them. So although it made about as many loans as the typical peer, it lent less than half as much money: $4.7 million against $10.7 million.
It made 74 loans, up 9% from 68, a little faster than the 6% of similar lenders. In 2018 it made 44. It filed no report for 2020 to 2022, so those years are a gap in the record, not years without lending.
It has lent in Muncie since at least 1990 and in rural Indiana since 1996; its lending in Indianapolis is slight. 22.2% of its loans went to low- and moderate-income neighborhoods, against 17.5% at similar lenders, a higher share than about two in three of them.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Thrive Federal Credit Union took 76 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 62.2% · Other 20.3% · Home improvement 16.2% · Purchase 1.4%
Conventional 100.0% · of 74 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 | 74 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Muncie | 62 |
| Indianapolis-Carmel-Greenwood | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LWP1GP6WN1YQ84 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 443773 | 2005–2023 |
| Respondent ID (the HMDA filer code before 2018) | 53631 | 1990–2016 |
Established 1 January 1940. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Thrive Federal Credit Union's data.
Thrive Federal Credit Union's data
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Thrive 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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