Applications / Mortgage Analytics / Lenders / Indiana / Chiphone Credit Union
Elkhart, IN · Credit union · NCUA · $109 million assets · 5 loans in 2025
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5
loans originated, 2025
7
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Chiphone Credit Union, an Elkhart, Indiana credit union that has reported since 1993, made only five mortgages in 2025, far fewer than the 35 it made in 2020.
It made 5 loans in 2025, against 8 in 2024. Similar lenders (credit unions making between half and twice as many loans) typically made 7. With so few loans, its shares of loans to particular borrowers or neighborhoods move sharply from year to year and say little about the credit union.
Its volume was 35 loans in 2020 and 30 in 2021, then dropped to 8 in 2022 and has stayed in single figures since. The figures do not say why. In 2010 it merged with Base Federal Credit Union, whose filings count as its own in the competition figures.
It lends in two Indiana counties and two metros, Elkhart-Goshen and South Bend-Mishawaka, and has lent in both since 1993. In Elkhart-Goshen it ranked 100 of 201 lenders with 0.1% of the dollars, the same as in 2024. Interra Credit Union leads that market. Every loan it made was conventional, as at similar credit unions.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Chiphone Credit Union took 7 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 80.0% · Refinance 20.0%
Conventional 100.0% · of 5 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 | 5 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Elkhart-Goshen | 3 |
| South Bend-Mishawaka | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900JJ3E56IV4SHM86 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 739971 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 55422 | 1993–2017 |
Established 1 January 1947. Reported under HMDA 1993-2025.
Mergers, name changes, data editions and corrections: Chiphone Credit Union's data.
Chiphone Credit Union's data
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Chiphone 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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