Lender in Indiana · HMDA 2025
Elements Financial Federal Credit Union mortgages in Indiana
Elements Financial Federal Credit Union's 2025 home-purchase and refinance lending in Indiana, compared with all lenders in the state.
Elements Financial Federal Credit Union originated 566 owner-occupied single-family loans in Indiana from 588 completed applications.
Its median conventional purchase loan costs were $3,070 versus $3,350 for all Indiana lenders, at a median 30-year fixed rate of 6.50% (Indiana: 6.625%).
Loans in IN
566
of 588 applications
Denial rate
2.1%
Purchase · IN 7.4%
Rate spread
−0.03 pts
Conv. · IN +0.24 pts
Loan amount
$325,000
Purchase · IN $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 530 | 516 | 2.1% | 6.500% | −0.03 pts | $3,070 | $325,000 |
| Refinance | 28 | 24 | 14.3% | — | −0.08 pts | $2,870 | $275,000 |
| Cash-out refinance | 30 | 26 | 13.3% | — | +0.09 pts | $3,000 | $205,000 |
*Conventional loans only; medians with at least 20 loans.
Indiana counties where Elements Financial Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Hamilton County | 14 | 150 | 1.9% |
| Marion County | 17 | 224 | 1.7% |
| Boone County | 17 | 26 | 1.4% |
| Hendricks County | 18 | 66 | 1.6% |
| Vermillion County | 18 | 3 | 1.3% |
| Putnam County | 23 | 5 | 0.9% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology