Credit Human Federal Credit Union in Indiana vs the state
67.6%Denial rate+51.02 pts vs state
67.6%Decision denial rate+47.45 pts vs state
11.1%Origination rate-51.14 pts vs state
9.00%Median rate+2.25 pts vs state
2.93Rate spread (pts)+2.56 pts vs state
$60kMedian applicant income
12Loans originated
73Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 160 | 4 | 88.8% | 7.35% | #204 |
| 2024 | 95 | 4 | 88.4% | 9.50% | #256 |
| 2025 | 108 | 12 | 67.6% | 9.00% | #263 |
What Credit Human Federal Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Credit Human Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Harrison County | 19 | 0 | 14 | 73.7% |
| Washington County | 9 | 0 | 7 | 77.8% |
| Hendricks County | 5 | 1 | 3 | 60.0% |
| Madison County | 5 | 3 | 0 | 0.0% |
| Clark County | 4 | 0 | 4 | 100.0% |
| Huntington County | 4 | 1 | 1 | 25.0% |
| Scott County | 4 | 0 | 4 | 100.0% |
| Vanderburgh County | 4 | 0 | 1 | 25.0% |
| Orange County | 4 | 0 | 4 | 100.0% |
| Morgan County | 4 | 1 | 1 | 25.0% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 108 applications in 2025, of which 12 were originated and 73 denied.
67.6% of all applications, or 67.6% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Credit Human Federal Credit Union originated in Indiana in 2025 was 9.00%, against a statewide median of 6.75%.
About this data. Figures are Credit Human Federal Credit Union's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology