County · IN
Multifamily lenders in Howard County, IN
12 lenders made 27 multifamily loans in Howard County, IN in 2024 and 2025, $79.9M in all. Community First Bank of Indiana made the most, with 9. The typical loan was about $780K. The county is part of the Kokomo, IN metro area.
- Evidence
- Multifamily loans placed in the county, HMDA
- Data as of
- HMDA 2025
- Page last changed
- November 11, 2026
- Lenders on record
- 12
- HMDA,
- Multifamily loans, 2024-25
- 27
- HMDA,
- Manufactured-home parks excluded
- Dollars
- $79.9M
- HMDA,
- Typical loan
- $780K
- HMDA,
Cite this
Source: The Lender Report, Multifamily lenders in Howard County, IN, https://lender.report/lenders-in/indiana/howard-county/, data as of December 31, 2025.
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| Lender | Kind | Based in | Loans | Dollars | 2025 loans | 2024 loans | Typical loan |
|---|---|---|---|---|---|---|---|
| Community First Bank of Indiana multifamily record | Bank | Kokomo, IN | 9 | $16.4M | 5 | 4 | $540K |
| First Farmers Bank & Trust Co. multifamily record | Bank | Converse, IN | 4 | $2.42M | 3 | 1 | $680K |
| First Financial Bank, National Association multifamily record | Bank | Terre Haute, IN | 2 | $23.7M | 1 | 1 | $15M |
| Merchants Bank of Indiana multifamily record | Bank | Carmel, IN | 2 | $12.4M | 0 | 2 | $10M |
| M&T Realty Capital Corporation multifamily record | Non-bank | Buffalo, NY | 2 | $7.50M | 1 | 1 | $6.3M |
| The Fountain Trust Company multifamily record | Bank | Covington, IN | 2 | $1.26M | 1 | 1 | $780K |
| Origin Bank multifamily record | Bank | Choudrant, LA | 1 | $4.70M | 1 | 0 | $4.7M |
| Centier Bank multifamily record | Bank | Whiting, IN | 1 | $3.70M | 0 | 1 | $3.7M |
| WaterStone Bank, SSB multifamily record | Savings | Wauwatosa, WI | 1 | $3.20M | 0 | 1 | $3.2M |
| Elements Financial Credit Union multifamily record | Credit union | Indianapolis, IN | 1 | $3.00M | 1 | 0 | $3M |
| Indiana University Credit Union multifamily record | Credit union | Bloomington, IN | 1 | $740K | 1 | 0 | $740K |
| LendingOne LLC multifamily record | Non-bank | Boca Raton, FL | 1 | $620K | 1 | 0 | $620K |
| Loan size | Loans | Lenders |
|---|---|---|
| Under $1M | 14 | 5 |
| $1M to $2.5M | 4 | 3 |
| $2.5M to $5M | 4 | 4 |
| $5M to $10M | 2 | 2 |
| $10M or more | 3 | 3 |
- Lenders made 27 multifamily loans totaling $79.9M in Howard County, IN in 2024 and 2025. HMDA,
- 15 of the loans were made in 2025 and 12 in 2024. HMDA,
- The typical loan in Howard County, IN was about $780K, with the middle half between $540K and $3.7M. HMDA,
- 14 of the loans were under $1M, and 5 were $5M or more. HMDA,
- Lenders reported a median rate of 7.07% on 22 loans in Howard County, IN, with the middle half between 6.95% and 7.50%. HMDA,
- The median term was 15 years. HMDA,
- The median loan to value was 65%. HMDA,
- 33% of the loans were refinancings and 56% were purchases. HMDA,
- Banks and savings institutions made 22 of the loans, credit unions 2, and non-banks 3. HMDA,
- The five most active lenders made 70.4% of the loans. HMDA,
- The three most active lenders were Community First Bank of Indiana with 9, First Farmers Bank & Trust Co. with 4, and First Financial Bank, National Association with 2. HMDA,
- 8 of the 12 lenders are based in Indiana. The rest are based elsewhere, most often in Florida, Louisiana and New York. HMDA,
- The most common property size was 5 to 24 units, with 16 loans. HMDA,
- Howard County, IN is part of the Kokomo, IN metro area, which has its own page. OMB metro list,
How this list is defined
- Measure
- Multifamily loans made in Howard County, IN
- Period
- 2024 and 2025
- Formula
- Count, by lender, of HMDA records for multifamily dwellings of 5 or more units placed in the county, manufactured-home parks excluded, for each year in which the public file holds 5 or more such loans in the county.
- Order
- Largest first by loans recorded in the place, then dollars, then name. Payment is not part of the order.
- As of
- 2025
- Source
- HMDA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new loans today.
- What they charge or require beyond the rate and term that HMDA reports.
- Loans on office, retail, industrial or hotel property. HMDA covers dwelling-secured loans only.
A metro area or county is named for a year only when the public file holds 5 or more multifamily loans there that year, so a small place is never exposed by a count.
SBA loans are on record by state only, so this page has no SBA figures for the county. The state pages carry them.
HMDA covers dwelling-secured loans. Amounts are the midpoints of $10,000 bands, and each loan has a year, never a date.
Lenders that merged or stopped filing are left out.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.