Applications / Mortgage Analytics / Lenders / Indiana / Indiana University Credit Union
Bloomington, IN · Credit union · NCUA · $2.0 billion assets · 964 loans in 2025
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964
loans originated, 2025
1,316
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Indiana University Credit Union is the largest mortgage lender in Bloomington, IN, ranking 1 of 229, and a credit union whose lending is mostly refinancing, at 61.9% of its loans.
It ranked 1 of 229 lenders in Bloomington, IN, where it has reported since 1991, ahead of Ruoff Mortgage Company and Merchants Bank of Indiana. Its share fell from 15.2% to 13.7%; its originations rose 5% while the whole market grew 10%, one possible reason. In Fort Wayne its share rose from 0.1% to 0.3%.
Refinance loans were 61.9% of its lending, purchase 27.0% and home improvement 11.0%. Every loan was conventional, as at most similar lenders (credit unions making between half and twice as many loans). Its typical loan was $115,000, against $105,000.
LMI (low- and moderate-income) areas took 22.5% of its loans, higher than about nine in ten similar lenders (15.0%), and up from 14.7% five years before. LMI borrowers took 32.3%, against 27.9%. Majority-minority areas took 5.0%, against 10.5%; the Indiana markets it serves are one possible reason.
It made 964 loans, against 917 the year before and 982 five years before; it made between 882 and 1,006 a year from 2020 to 2025. Growth of 5% compares with 8% at similar lenders.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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 University Credit Union took 1,316 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 61.9% · Purchase 27.0% · Home improvement 11.0% · Other 0.1%
Conventional 100.0% · of 964 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 | 962 | 99.8% |
| Illinois | 1 | 0.1% |
| Kentucky | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bloomington | 628 |
| Indianapolis-Carmel-Greenwood | 150 |
| Lake County-Porter County-Jasper County | 24 |
| South Bend-Mishawaka | 18 |
| Terre Haute | 15 |
| Columbus | 9 |
| Fort Wayne | 6 |
| Evansville | 4 |
| Louisville/Jefferson County | 4 |
| Elkhart-Goshen | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300F175WFRUKLMG10 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 31394 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 510827 | 1990–2008 |
| Respondent ID (the HMDA filer code before 2018) | 568577 | 2009–2017 |
Established 1 January 1956. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Indiana University Credit Union's data.
Indiana University Credit Union's data
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Indiana University 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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