Applications / Mortgage Analytics / Lenders / Indiana / Bank of Wolcott
Wolcott, IN · State non-member bank · FDIC · $275 million assets · 31 loans in 2025
Bank of Wolcott's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
31
loans originated, 2025
35
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Bank of Wolcott is a small rural Indiana lender of modest loans, and its loans rose by about a third in 2025.
It made 31 loans, up 35% from 23, while similar lenders, here state non-member banks making between half and twice as many loans, were flat and the whole market rose 10%. Growth was faster than at more than four in five peers. Its record since 2018 has stayed between 23 and 43 loans a year, with no report for 2020 to 2022, gaps a small bank may leave, not years without lending.
Its typical loan was $165,000, near the $175,000 of similar lenders. Its total of $5.1 million was lower than at nearly nine in ten of them. Every loan was conventional.
Purchases made up 51.6% of its lending and refinances 45.2%. Some 26.9% of its loans went to low- and moderate-income (LMI) borrowers, close to the 26.1% at similar lenders.
Beyond its home counties it ranked 74 of 267 lenders in Lafayette-West Lafayette, where it has lent since 2011, with a share steady at 0.1%. Purdue Federal Credit Union and First Merchants Bank led there.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Bank of Wolcott took 35 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 51.6% · Refinance 45.2% · Other 3.2%
Conventional 100.0% · of 31 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 | 96.8% |
| Illinois | 1 | 3.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Lafayette-West Lafayette | 9 |
| Lake County-Porter County-Jasper County | 4 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300HTZK86GTZ3J496 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 729842 | 2011–2023 |
| Respondent ID (the HMDA filer code before 2018) | 316201 | 2011–2017 |
Established 16 October 1944. Reported under HMDA 2011-2025.
Mergers, name changes, data editions and corrections: Bank of Wolcott's data.
Bank of Wolcott's data
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