Applications / Mortgage Analytics / Lenders / Indiana / Hoosier Hills Credit Union
Bedford, IN · Credit union · NCUA · $926 million assets · 673 loans in 2025
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673
loans originated, 2025
956
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Hoosier Hills Credit Union is a mainly rural Indiana lender whose loans rose 13% in 2025, about double the pace of similar lenders, with an unusually large share of manufactured homes and low- and moderate-income borrowers.
Loans rose 13% to 673, against 6% at similar lenders (credit unions making between half and twice as many loans) and 10% for the whole market. It first reported in 2022, with 748 loans, and fell to 597 in 2024 before this rise. Refinance led its lending at 37.7%, ahead of purchases (24.7%) and home improvement (23.5%).
Manufactured homes were 9.7% of its loans, against 0.3% at similar lenders, higher than nearly all. LMI (low- and moderate-income) borrowers took 39.8% of its loans, higher than more than nine in ten peers. Its typical loan of $95,000 is below peers' $105,000, in line with that mix.
Only 10.0% of its loans were in LMI neighbourhoods, among the lowest tenth of peers, and none in majority-minority neighbourhoods. Its largest market is non-metro Indiana, and its metro markets are smaller Indiana cities such as Bloomington and Evansville; the areas it serves may simply contain few such neighbourhoods.
It ranked 29 of 229 in Bloomington, IN with a 0.8% share, unchanged, behind Indiana University Credit Union and Ruoff Mortgage Company. Its share rose 0.2 points in Evansville, IN and 0.3 points in Columbus, IN, where it first lent in 2023.
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, 2022–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Hoosier Hills Credit Union took 956 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 37.7% · Purchase 24.7% · Home improvement 23.5% · Other 14.1%
Conventional 99.6% · USDA (RHS or FSA) 0.4% · of 673 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 | 672 | 99.9% |
| Ohio | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Bloomington | 31 |
| Cincinnati | 23 |
| Louisville/Jefferson County | 21 |
| Evansville | 15 |
| Indianapolis-Carmel-Greenwood | 5 |
| Terre Haute | 5 |
| Columbus | 3 |
| Muncie | 2 |
| Dayton-Kettering-Beavercreek | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900V3X9I3FAUULX72 | 2022–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 1001086 | 2022–2023 |
Established 1 January 1934. Reported under HMDA 2022-2025.
Mergers, name changes, data editions and corrections: Hoosier Hills Credit Union's data.
Hoosier Hills Credit Union's data
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Hoosier Hills 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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