Purchase Originations
376
Median Total Costs
$2,986
−55.3% vs national ($6,680)
↑ $112 vs prior year
Median Rate
6.125%
−5.6% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$995
Median Lender Credits
$150
Denial Rate
0.4%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 360 | 6.125% | $2,968 | $995 |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,576 | 6.562% | — | 4 | −$410 | |
| 2 | $2,632 | 6.000% | — | 2 | −$354 | |
| 3 | $2,668 | 6.250% | — | 4 | −$318 | |
| 4 | $2,752 | 6.375% | — | 10 | −$234 | |
| 5 | $2,770 | 6.000% | — | 3 | −$216 | |
| 6 | $2,791 | 5.875% | — | 6 | −$195 | |
| 7 | $2,807 | 5.875% | — | 5 | −$179 | |
| 8 | $2,857 | 6.250% | — | 104 | −$129 | |
| 9 | $2,870 | 6.250% | — | 29 | −$116 | |
| 10 | $2,974 | 6.000% | — | 25 | −$12 | |
| 11 | $2,978 | 5.875% | — | 3 | −$8 | |
| 12 | $2,986 | 6.125% | — | 25 | +$0 | |
| 13 | $3,017 | 5.875% | — | 12 | +$31 | |
| 14 | $3,031 | 5.875% | — | 13 | +$45 | |
| 15 | $3,033 | 6.750% | — | 11 | +$47 | |
| 16 | $3,186 | 6.000% | — | 67 | +$200 | |
| 17 | $3,192 | 5.875% | — | 20 | +$206 | |
| 18 | $3,248 | 5.750% | — | 8 | +$262 | |
| 19 | $3,278 | 5.625% | — | 5 | +$292 | |
| 20 | $3,605 | 5.438% | — | 2 | +$619 |
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 | Indiana Members Credit Union | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $255,000 | $335,000 | −$80,000 (−23.9%) |
| Median total closing costs | $2,986 | $7,127 | −$4,141 (−58.1%) |
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.