Applications / Mortgage Analytics / Lenders / Indiana / Financial Builders Federal Credit Union
Kokomo, IN · Credit union · NCUA · $149 million assets · 95 loans in 2025
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95
loans originated, 2025
95
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Financial Builders Federal Credit Union, a Kokomo credit union, mostly makes small loans for purposes other than buying or refinancing a home, and its lending fell by a third in 2025.
Loans for other purposes made up 70.5% of its book, refinances 28.4% and purchases just 1.1%. Its typical loan was $55,000, against $100,000 at similar lenders (credit unions making between half and twice as many loans), smaller than at nearly all of them. So its dollar volume, $6.7 million, was lower than at four in five peers despite a loan count near the middle.
Its loans fell 34%, from 145 to 95, while similar lenders grew 7%. Its share of the Kokomo market slipped from 1.7% to 1.1%, leaving it 20th of 209 lenders. Fewer applications from members, or a choice to lend less, could each explain it; the figures do not say which.
Some 37.9% of its borrowers were low- and moderate-income (LMI), higher than at nearly three-quarters of similar lenders. Its share of loans in LMI neighborhoods, 10.5%, was lower than at four in five, which may reflect where its members live rather than whom it serves.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Financial Builders Federal Credit Union took 95 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 70.5% · Refinance 28.4% · Purchase 1.1%
Conventional 100.0% · of 95 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 | 95 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Kokomo | 71 |
| Indianapolis-Carmel-Greenwood | 7 |
| Lafayette-West Lafayette | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300TA2979XCT9L593 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 702685 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 516213 | 1999–2017 |
Established 1 January 1964. Reported under HMDA 1999-2025.
Mergers, name changes, data editions and corrections: Financial Builders Federal Credit Union's data.
Financial Builders Federal Credit Union's data
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Financial Builders Federal 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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