Purchase Originations
134
Median Total Costs
$2,657
−60.2% vs national ($6,680)
↑ $277 vs prior year
Median Rate
6.500%
+0.1% vs national (6.490%)
↓ 0.375% vs prior year
Median Origination
$1,195
Median Lender Credits
$60
Denial Rate
16.7%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 131 | 6.500% | $2,648 | $1,195 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Indiana | 134 | 6.500% | $2,657 | #110 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,242 | 5.750% | — | 1 | −$415 | |
| 2 | $2,330 | 7.625% | — | 1 | −$327 | |
| 3 | $2,340 | 6.000% | — | 2 | −$317 | |
| 4 | $2,512 | 6.375% | — | 27 | −$145 | |
| 5 | $2,519 | 7.250% | — | 3 | −$138 | |
| 6 | $2,562 | 5.625% | — | 1 | −$95 | |
| 7 | $2,584 | 6.750% | — | 14 | −$73 | |
| 8 | $2,606 | 6.625% | — | 1 | −$51 | |
| 9 | $2,653 | 5.375% | — | 1 | −$4 | |
| 10 | $2,683 | 6.688% | — | 36 | +$26 | |
| 11 | $2,735 | 6.125% | — | 5 | +$78 | |
| 12 | $2,739 | 6.500% | — | 1 | +$82 | |
| 13 | $2,767 | 7.000% | — | 4 | +$110 | |
| 14 | $2,780 | 6.500% | — | 16 | +$123 | |
| 15 | $2,856 | 8.375% | — | 3 | +$199 | |
| 16 | $2,883 | 6.312% | — | 2 | +$226 | |
| 17 | $2,947 | 6.750% | — | 1 | +$290 | |
| 18 | $2,986 | 6.312% | — | 10 | +$329 | |
| 19 | $3,002 | 7.125% | — | 2 | +$345 | |
| 20 | $3,608 | 6.875% | — | 1 | +$951 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | Hoosier Hills Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $175,000 | $335,000 | −$160,000 (−47.8%) |
| Median total closing costs | $2,657 | $7,127 | −$4,470 (−62.7%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.