Applications / Mortgage Analytics / Lenders / Indiana / First Federal Savings Bank
Evansville, IN · State non-member bank · FDIC · $605 million assets · 160 loans in 2025
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160
loans originated, 2025
209
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Federal Savings Bank, an Evansville, Indiana bank, has made fewer loans every year since 2020, and in 2025 its share of its home market fell by more than half.
Its loans fell 37% in 2025, to 160, a steeper drop than at almost all similar lenders, meaning state non-member banks making between half and twice as many loans. Those peers' loans rose 10%, as did the whole market's. The bank made 862 loans in 2020 and fewer in each year since. Whether that reflects a choice to lend less or business lost to rivals, the figures do not say.
In Evansville, where it has lent since 1990, its share fell from 4.2% to 1.8%, and it ranked 16th of 248 lenders. Liberty Federal Credit Union leads the market. Part of the drop in dollars comes from smaller loans: its typical loan fell from $185,000 to $155,000, and jumbo loans, larger than the conforming limit, from 7.6% to 1.8% of its lending.
Borrowers with low or moderate incomes (LMI) took 37.4% of its loans, up from 25.0% a year earlier and more than at about four in five similar lenders. Its share in LMI neighborhoods, 18.1%, was near the middle of its peers.
Every loan was conventional, without a government guarantee. Purchases were 53.1% of its lending and refinances 27.5%, with home improvement loans making up a tenth.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. First Federal Savings Bank took 209 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 53.1% · Refinance 27.5% · Home improvement 10.0% · Other 9.4%
Conventional 100.0% · of 160 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 | 154 | 96.2% |
| Kentucky | 4 | 2.5% |
| Arizona | 1 | 0.6% |
| Massachusetts | 1 | 0.6% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Evansville | 117 |
| Owensboro | 2 |
| Barnstable Town | 1 |
| Phoenix-Mesa-Chandler | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300MTH7LUU0OHYB47 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 613679 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 42838 | 1990–2010 |
| Respondent ID (the HMDA filer code before 2018) | 329056 | 2011–2017 |
Established 1 July 1934. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: First Federal Savings Bank's data.
First Federal Savings Bank's data
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First Federal Savings Bank 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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