Applications / Mortgage Analytics / Lenders / Indiana / First Trust Credit Union
Michigan City, IN · Credit union · NCUA · $185 million assets · 15 loans in 2025
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15
loans originated, 2025
28
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
First Trust Credit Union is a small Indiana credit union that made 15 home loans in 2025, a third of them for home improvement, and holds a small share of its home market around Michigan City.
Its 15 loans in 2025 were down from 24 the year before, while the whole market grew 10%. Similar lenders, credit unions making between half and twice as many loans, made 22 in the typical case and fell 12%. Its yearly count has swung between 11 and 42 since 2018, so one year's fall says little. At this size a handful of loans moves the total.
Purchases made up 40.0% of its loans, home improvement 33.3% and refinancing 26.7%. Every loan was conventional; it made no government-backed loans. Its typical loan, $125,000, was a little larger than the $105,000 at similar lenders, close to the middle of the group.
Michigan City-La Porte, IN is its main market. It took 0.4% of home lending there in 2025, up from 0.3%, and ranked 54 of 241 lenders. Horizon Bank led the market. With so few loans, its shares of lending to poorer borrowers and neighborhoods rest on too few cases to compare with similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 Trust Credit Union took 28 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.0% · Home improvement 33.3% · Refinance 26.7%
Conventional 100.0% · of 15 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 | 14 | 93.3% |
| Michigan | 1 | 6.7% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Michigan City-La Porte | 12 |
| Lake County-Porter County-Jasper County | 1 |
| Niles | 1 |
| South Bend-Mishawaka | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300CKKPTDS03YHG30 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 782481 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513413 | 1994–2009 |
| Respondent ID (the HMDA filer code before 2018) | 568596 | 2010–2017 |
Established 1 January 1959. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: First Trust Credit Union's data.
First Trust Credit Union's data
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First Trust 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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