Applications / Mortgage Analytics / Lenders / Indiana / Indiana Members Credit Union
Indianapolis, IN · Credit union · NCUA · $3.5 billion assets · 2,406 loans in 2025
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2,406
loans originated, 2025
3,612
applications, 2025
4
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Indiana Members Credit Union is mainly a refinance lender, with 51.2% of its loans refinancing, and makes smaller loans than more than four in five similar credit unions.
Similar lenders are credit unions making between half and twice as many loans. Refinancing made up 51.2% of its loans, home improvement 19.5%, purchases 18.0% and other purposes 11.3%. Its typical loan was $95,000 against $120,000, though up from $75,000, a size that fits a mix weighted toward refinance and home-improvement loans.
LMI (low- and moderate-income) borrowers took 32.8% of its loans against 27.2%, higher than about four in five similar lenders, and up from 27.1% a year earlier. Its smaller typical loan may suit borrowers on lower incomes.
Its typical rate of 6.25% was lower than more than four in five similar lenders' 7.00%. It turned down 0.9% of first-lien home-purchase applications on owner-occupied homes, among the lowest of similar lenders (6.4%), and 12.2% of first-lien refinance applications, lower than about seven in ten of them (18.8%).
Originations rose 5% to 2,406, against 10% for similar lenders and for the whole market, slower than about seven in ten of them. The amount it lent rose more, to $364.8 million from $296.8 million, as its typical loan grew to $95,000 from $75,000.
Questions the data can answer next
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Indiana Members Credit Union took 3,612 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 51.2% · Home improvement 19.5% · Purchase 18.0% · Other 11.3%
Conventional 99.4% · FHA 0.6% · of 2,406 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 | 2,387 | 99.2% |
| Kentucky | 16 | 0.7% |
| Florida | 2 | 0.1% |
| Georgia | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Indianapolis-Carmel-Greenwood | 1,989 |
| Evansville | 149 |
| Louisville/Jefferson County | 83 |
| Bloomington | 27 |
| Muncie | 26 |
| Columbus | 8 |
| Fort Wayne | 5 |
| Lafayette-West Lafayette | 5 |
| Kokomo | 4 |
| Terre Haute | 3 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300S99IK3EU11AS13 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 215484 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568259 | 1997–2017 |
Established 1 January 1956. Reported under HMDA 1997-2025.
Mergers, name changes, data editions and corrections: Indiana Members Credit Union's data.
Indiana Members Credit Union's data
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Indiana Members 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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