Indiana Members Credit Union
We analyzed every closed loan from Indiana Members Credit Union — 470 loans across 735 applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.
Ratings· each scored 1–5 against peer lenders
Pricing
Exceptional
5/5
vs. all lenders
Pull-through
Sound
3/5
closing strength
Product
Strong
4/5
FHA · Conventional · Jumbo
Place
Strong
4/5
Regional · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Awards
Conventional
Superstar
Purchase
Superstar
Refinance
Superstar
Summary
What They Do Well
- Offers rates 27.40 basis points below market average
- Lower than average lender fees
- Particularly strong in Conventional and Jumbo loans
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Report Card
Indiana Members Credit Union performance at a glance
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Exceptional
Rates 27.4 bps below market avg
5/5
Pull Through
Closing strength
Sound
Top 60% of lenders
3/5
By Loan Product· Specialization by type
Conventional
444 loans · 0.28% below market
Strong
Top 40% of lenders
4/5
FHA
13 loans · 0.53% above market
Sound
Top 60% of lenders
3/5
Jumbo
13 loans · 0.95% below market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
343 loans · 0.32% below market
Strong
Top 40% of lenders
4/5
Refinance
127 loans · 0.15% below market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders
4/5
Loan Product Performance
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | 444 | 94.5% | -0.283%Below | $1,079Fees | ||||
FHA Loans | — | 13 | 2.8% | +0.530%Above | $1,020Fees | |||
Jumbo Loans | — | — | 13 | 2.8% | -0.950%Below | $1,758Fees |
Conventional
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume444
Mix94.5%
Spread
-0.283%Below
Fees
$1,079Fees
FHA Loans
OverallSound
ProductSound
Pricing—
Pull ThroughAcceptable
Volume13
Mix2.8%
Spread
+0.530%Above
Fees
$1,020Fees
Jumbo Loans
OverallStrong
ProductStrong
Pricing—
Pull Through—
Volume13
Mix2.8%
Spread
-0.950%Below
Fees
$1,758Fees
Loan Purpose Performance
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | 343 | 73.0% | -0.318%Below | $1,168Fees | ||||
Refinance | 127 | 27.0% | -0.146%Below | $874Fees |
Purchase
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume343
Mix73.0%
Spread
-0.318%Below
Fees
$1,168Fees
Refinance
OverallStrong
ProductStrong
PricingExceptional
Pull ThroughSound
Volume127
Mix27.0%
Spread
-0.146%Below
Fees
$874Fees
At a Glance
Lender Overview
Lending Activity
Loans Originated
470
Applications
735
Volume
$121 million
Pricing & Closing
Avg Rate Spread
-0.274%
vs. market APOR
Avg Net Fees
$1,093
Origination − Credits
Pullthrough Rate
63.9%
Applications → Closed
Typical Borrower
Avg Loan Amount
$258,553
Avg Borrower Income
$132,536
Avg Property Value
$371,106
Geographic Coverage
Geographic Performance
Metro Areas
2
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Strong
4/5
States with Loan Originations
2Full-year 2024 · HMDALoans originated
All statesNone
Midwest1
IN
South1
KY
Top Metro Areas by Place Specialization Score
How We Rank Lenders
Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.
Our Point System (Max 50 Points)
10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion(80%+ = 40-50 points)
Superstar(60-79% = 30-39 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.