1st Midamerica Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the D grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
15th22.6% deniedProcesswithdrawn + incomplete share, weight 15%
61st9.4%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 357 | 260 | 15.4% | 17.3% | 6.25% | $36M |
| 2024 | 847 | 583 | 14.5% | 16.1% | — | $56M |
| 2025 | 702 | 455 | 20.5% | 22.6% | — | $55M |
What 1st Midamerica Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 4 manufactured homes, 31 investment properties.
Who gets approved at 1st Midamerica Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 118 | 55 | 44.3% |
| $50k – $100k | 282 | 174 | 21.5% |
| $100k – $150k | 152 | 108 | 18.4% |
| $150k – $250k | 111 | 91 | 14.0% |
| Over $250k | 33 | 22 | 7.7% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under 25 | 38 | 28 | 6.7% |
| 25–34 | 116 | 85 | 15.4% |
| 35–44 | 123 | 76 | 25.7% |
| 45–54 | 146 | 91 | 26.2% |
| 55–64 | 134 | 79 | 27.1% |
| 65–74 | 94 | 64 | 20.2% |
| Over 74 | 43 | 24 | 30.0% |
Where 1st Midamerica Credit Union lends
4 states and 41 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
1st Midamerica Credit Union denied 22.6% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 15th percentile of small mortgage lenders.
In 2025, 35% of its applications were for home purchases, 16% for refinancing (including cash-out), and 49% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.