Lender in Indiana · HMDA 2025
Heritage Federal Credit Union mortgages in Indiana
Heritage Federal Credit Union's 2025 home-purchase and refinance lending in Indiana, compared with all lenders in the state.
Heritage Federal Credit Union originated 280 owner-occupied single-family loans in Indiana from 327 completed applications.
Its median conventional purchase loan costs were $2,650 versus $3,350 for all Indiana lenders, at a median 30-year fixed rate of 6.625% (Indiana: 6.625%).
Loans in IN
280
of 327 applications
Denial rate
4.2%
Purchase · IN 7.4%
Rate spread
+0.22 pts
Conv. · IN +0.24 pts
Loan amount
$195,000
Purchase · IN $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 192 | 173 | 4.2% | 6.625% | +0.22 pts | $2,650 | $195,000 |
| Refinance | 75 | 55 | 24.0% | — | +0.79 pts | $2,350 | $165,000 |
| Cash-out refinance | 60 | 52 | 8.3% | 6.875% | +0.28 pts | $2,540 | $155,000 |
*Conventional loans only; medians with at least 20 loans.
Indiana counties where Heritage Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Vanderburgh County | 3 | 134 | 5.1% |
| Warrick County | 3 | 95 | 8.6% |
| Posey County | 3 | 26 | 7.3% |
| Spencer County | 6 | 9 | 4.5% |
| Gibson County | 9 | 12 | 2.8% |
| Pike County | 20 | 1 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology