# HOOSIER HILLS CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/hoosier-hills-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


HOOSIER HILLS CREDIT UNION is a credit union, headquartered in Bedford, IN, with 191 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 45% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 53% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 254900V3X9I3FAUULX72
- **Headquarters:** Bedford, IN
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** IN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 55/100
- Rating: ●●●○○ (3/5)

### Pull Through: Sound ☺️
- Score: 47/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.537%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $718
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 191
- **Dollar Volume:** $29 million
- **Applications Received:** 295
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $153,272
- **Average Borrower Income:** $79,534
- **Average Property Value:** $221,911

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 187 | +0.537% | $718 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 112 loans, Score: 36/100 (Acceptable)
- Refinance: 75 loans, Score: 54/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 116 | $19M | +0.478% | Acceptable 🙂 |
| Refinance | 50/100 | 75 | $10M | +0.633% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 191 | 0.21% | 74/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 175 | 68/100 |
| Bloomington, IN | IN | 10 | 45/100 |

## Where This Lender Ranks

HOOSIER HILLS CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in Bloomington, IN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/bloomington-in/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#16** in Indiana Credit Unions
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions)
- 🏆 **#16** in Indiana for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions/conventional-loans)

## Frequently Asked Questions

### What loan types does HOOSIER HILLS CREDIT UNION offer?

HOOSIER HILLS CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does HOOSIER HILLS CREDIT UNION offer mortgages?

HOOSIER HILLS CREDIT UNION offers mortgages in 1 states: IN.

### How competitive are HOOSIER HILLS CREDIT UNION's mortgage rates?

HOOSIER HILLS CREDIT UNION has a pricing score of 55/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.537% above market average.

### What type of lender is HOOSIER HILLS CREDIT UNION?

HOOSIER HILLS CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Bedford, IN.

### What is HOOSIER HILLS CREDIT UNION's loan approval success rate?

HOOSIER HILLS CREDIT UNION has a pull-through score of 47/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/hoosier-hills-credit-union

### How to Cite

> "HOOSIER HILLS CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/hoosier-hills-credit-union

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