Applications / Mortgage Analytics / Lenders / Indiana / The National Bank of Indianapolis
Indianapolis, IN · National bank · OCC · $3.1 billion assets · 495 loans in 2025
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495
loans originated, 2025
564
applications, 2025
5
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
The National Bank of Indianapolis grew its loans by nearly half in 2025, faster than almost all similar banks, and lends larger sums than most of them.
It made 495 loans, 48% more than in 2024. Similar lenders, meaning national banks making between half and twice as many loans, grew 5% and the whole market 10%. Only about one peer in twenty grew faster. Its share of its home market, Indianapolis-Carmel-Greenwood, rose. It is still below the 658 loans of 2020.
Its typical loan of $285,000 is higher than at about five in six peers, where it is $195,000. Jumbo loans, those larger than the conforming limit, were 9.3% of its lending against 2.1% at peers, though down from 22.5% five years before. All its loans were conventional.
Low- and moderate-income (LMI) borrowers took 19.0% of its loans, against 26.9% at peers, though up from 7.5% in 2024. Only 8.6% went to LMI neighborhoods, against 15.5%. Its larger loans may point to borrowers with higher incomes, which would lower both shares.
Purchases were 40.2% of its loans and refinances 30.3%. Other-purpose loans made up 22.0%, more than a fifth. It denied 3.0% of home-purchase applications, against 6.2% at peers, lower than at about five in six.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. The National Bank of Indianapolis took 564 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 40.2% · Refinance 30.3% · Other 22.0% · Home improvement 7.5%
Conventional 100.0% · of 495 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 | 485 | 98.0% |
| Florida | 6 | 1.2% |
| Michigan | 2 | 0.4% |
| Illinois | 1 | 0.2% |
| Wyoming | 1 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 470 |
| Naples-Marco Island | 3 |
| Cape Coral-Fort Myers | 2 |
| Columbus | 2 |
| Michigan City-La Porte | 2 |
| Bloomington | 1 |
| Fort Lauderdale-Pompano Beach-Sunrise | 1 |
| Lafayette-West Lafayette | 1 |
| Niles | 1 |
| Traverse City | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300FTS7TVGFDGUH88 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 2132941 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 122652 | 1994–2016 |
Established 8 December 1993. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: The National Bank of Indianapolis's data.
The National Bank of Indianapolis's data
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The National Bank of Indianapolis 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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