Credit Union 1 in Indiana vs the state
26.1%Denial rate+9.52 pts vs state
42.9%Decision denial rate+22.72 pts vs state
31.5%Origination rate-30.73 pts vs state
6.75%Median rate0.00 pts vs state
1.02Rate spread (pts)+0.65 pts vs state
$83kMedian applicant income
29Loans originated
24Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 33 | 13 | 33.3% | 9.75% | #371 |
| 2024 | 76 | 29 | 32.9% | 9.00% | #291 |
| 2025 | 92 | 29 | 26.1% | 6.75% | #285 |
What Credit Union 1 lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Credit Union 1 applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 36 | 14 | 10 | 27.8% |
| Porter County | 16 | 3 | 6 | 37.5% |
| Marion County | 12 | 0 | 3 | 25.0% |
| St. Joseph County | 10 | 3 | 1 | 10.0% |
| Johnson County | 3 | 0 | 0 | 0.0% |
| White County | 3 | 2 | 1 | 33.3% |
| Hendricks County | 3 | 2 | 0 | 0.0% |
| Allen County | 1 | 1 | 0 | 0.0% |
| Vanderburgh County | 1 | 0 | 1 | 100.0% |
| Greene County | 1 | 0 | 1 | 100.0% |
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: 92 applications in 2025, of which 29 were originated and 24 denied.
26.1% of all applications, or 42.9% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Credit Union 1 originated in Indiana in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Credit Union 1'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