INDIANA MEMBERS CREDIT UNION
INDIANA MEMBERS CREDIT UNION received 3,496 applications in 2025 and made 2,406 mortgages, in 83 counties across 10 states. The median rate its borrowers got was 6.250% on a median loan of $95,000. Of 3,051 decisions, 429 were denials — 14.1%, most often for debt-to-income ratio. 1 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 549300S99IK3EU11AS13 |
|---|---|
| Applications received | 3,496 |
| Mortgages made | 2,406 |
| Denied | 429 |
| Approved, not taken up | 216 |
| Withdrawn or incomplete | 445 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.098 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 433 | 6.125% | $255,000 | 0.6% |
| Refinancing | 306 | 7.500% | $115,000 | 7.3% |
| Cash-out refinancing | 926 | 7.250% | $75,000 | 15.6% |
| Other purposes | 741 | 3.900% | $55,000 | 21.5% |
Where INDIANA MEMBERS CREDIT UNION lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marion County, IN | 761 | 6.500% | 16.3% |
| Hamilton County, IN | 437 | 5.875% | 14.2% |
| Hendricks County, IN | 248 | 6.500% | 14.5% |
| Johnson County, IN | 213 | 6.750% | 14.2% |
| Vanderburgh County, IN | 86 | 6.125% | 9.8% |
| Hancock County, IN | 83 | 5.875% | 9.5% |
| Boone County, IN | 79 | 5.875% | 14.1% |
| Morgan County, IN | 73 | 6.500% | 8.3% |
| Madison County, IN | 48 | 6.063% | 8.6% |
| Warrick County, IN | 48 | 6.125% | 10.7% |
| Clark County, IN | 43 | 5.875% | 13.2% |
| Grant County, IN | 31 | 6.625% | 16.7% |
| Delaware County, IN | 26 | 6.750% | 3.3% |
| Floyd County, IN | 25 | 5.875% | 10.3% |
| Monroe County, IN | 24 | 4.888% | 3.5% |
| Shelby County, IN | 24 | 6.625% | 10.7% |
| Brown County, IN | 17 | 6.125% | 13.6% |
| Posey County, IN | 15 | 5.625% | 0.0% |
| Putnam County, IN | 14 | 6.438% | 6.7% |
| Henry County, IN | 10 | 5.813% | 25.0% |
| Bartholomew County, IN | 8 | Under 10 loans | 10.0% |
| Harrison County, IN | 6 | Under 10 loans | 0.0% |
| Lawrence County, IN | 6 | Under 10 loans | 0.0% |
| Tipton County, IN | 6 | Under 10 loans | 0.0% |
| Jefferson County, KY | 6 | Under 10 loans | 0.0% |
| Tippecanoe County, IN | 5 | Under 10 loans | 16.7% |
| Allen County, IN | 4 | Under 10 loans | 0.0% |
| Howard County, IN | 4 | Under 10 loans | 16.7% |
| Montgomery County, IN | 3 | Under 10 loans | 0.0% |
| Owen County, IN | 3 | Under 10 loans | 25.0% |
| Rush County, IN | 3 | Under 10 loans | 0.0% |
| Spencer County, IN | 3 | Under 10 loans | 0.0% |
| Vigo County, IN | 3 | Under 10 loans | 0.0% |
| Henderson County, KY | 3 | Under 10 loans | 0.0% |
| Blackford County, IN | 2 | Under 10 loans | 0.0% |
| Crawford County, IN | 2 | Under 10 loans | 0.0% |
| Gibson County, IN | 2 | Under 10 loans | 33.3% |
| Knox County, IN | 2 | Under 10 loans | 0.0% |
| Randolph County, IN | 2 | Under 10 loans | 33.3% |
| Wayne County, IN | 2 | Under 10 loans | 0.0% |
| White County, IN | 2 | Under 10 loans | 0.0% |
| Livingston County, KY | 2 | Under 10 loans | 0.0% |
| Lee County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Fannin County, GA | 1 | Under 10 loans | 0.0% |
| Cass County, IN | 1 | Under 10 loans | 0.0% |
| Clinton County, IN | 1 | Under 10 loans | 0.0% |
| Daviess County, IN | 1 | Under 10 loans | 0.0% |
| Decatur County, IN | 1 | Under 10 loans | 0.0% |
| Greene County, IN | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.