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Indiana Members Credit Union in Indiana
HMDA record for properties in Indiana, calendar year 2024. National record · Indiana overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Indiana Members Credit Union's 2024 HMDA record for Indiana covers 3,518 applications, 2,284 of them originated, worth $294m.
Its denial rate in the state was 18.2%, below the Indiana rate of 21.5% across all lenders and compared with the lender's national rate of 18.3%.
The median rate spread on its Indiana originations was -3.0 percentage points (state median 0.5).
Applications in the state were up 34% on 2023.
Compared with the state and the lender's national record
| Measure | In Indiana | Indiana, all lenders | Indiana Members Credit Union, all states | United States |
|---|---|---|---|---|
| Denial rate | 18.2% | 21.5% | 18.3% | 24.3% |
| Median rate spread, pp | -3.0 | 0.5 | -3.0 | 0.3 |
| Originations with spread of 1.5 pp or more | 8.7% | 15.8% | 8.7% | 15.6% |
| Average originated loan | $129k | $216k | $130k | $329k |
| Home purchase share | 16.6% | 53.1% | 16.8% | 57.0% |
| FHA-insured share | 0.6% | 14.5% | 0.6% | 13.4% |
| VA-guaranteed share | 0.0% | 6.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIndiana, all lenders
Loan purpose and loan type in Indiana
By purpose
Home purchase 17% (380)Home improvement 30% (693)Refinancing 15% (344)Cash-out refinancing 16% (376)Other purpose 21% (491)
By type
Conventional 99% (2,271)FHA 1% (13)
Denial reasons as coded
Share of 534 denials in Indiana by first denial reason coded (outlined bar: all lenders in the state).
Counties in Indiana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Marion County | 1,220 | 714 | $69m | 22.0% |
| Hamilton County | 661 | 420 | $66m | 18.5% |
| Hendricks County | 338 | 256 | $25m | 12.8% |
| Johnson County | 315 | 198 | $19m | 19.5% |
| Vanderburgh County | 108 | 91 | $18m | 5.0% |
| Hancock County | 115 | 84 | $8.9m | 10.3% |
| Boone County | 100 | 68 | $11m | 16.3% |
| Warrick County | 69 | 59 | $28m | 9.1% |
| Morgan County | 97 | 56 | $5.6m | 22.5% |
| Madison County | 83 | 56 | $5.7m | 17.4% |
| Grant County | 42 | 36 | $3.6m | 5.1% |
| Monroe County | 44 | 28 | $5.7m | 17.6% |
| Clark County | 42 | 27 | $3.2m | 20.0% |
| Delaware County | 32 | 24 | $2.5m | 13.3% |
| Floyd County | 28 | 19 | $2.1m | — |
| Putnam County | 25 | 19 | $2.7m | — |
| Shelby County | 28 | 16 | $1.3m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Indiana Members Credit Union originate in Indiana in 2024?
2,284 loans totalling $294m, from 3,518 applications reported for properties in Indiana.
What is Indiana Members Credit Union's denial rate in Indiana?
18.2% of decided applications in Indiana were denied, against 21.5% for all lenders in the state and 18.3% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Indiana counties does Indiana Members Credit Union lend in most?
By originations: Marion County (714), Hamilton County (420), Hendricks County (256), Johnson County (198), Vanderburgh County (91).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Indiana. Built 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.