Empeople Credit Union in Indiana vs the state
15.8%Denial rate-0.78 pts vs state
18.8%Decision denial rate-1.39 pts vs state
68.4%Origination rate+6.17 pts vs state
6.49%Median rate-0.26 pts vs state
-0.12Rate spread (pts)-0.48 pts vs state
$129kMedian applicant income
13Loans originated
3Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 25 | 12 | 24.0% | 6.43% | #403 |
| 2024 | 18 | 13 | 11.1% | 6.50% | #467 |
| 2025 | 19 | 13 | 15.8% | 6.49% | #460 |
What Empeople Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Empeople Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 2 | 2 | 0 | 0.0% |
| Adams County | 2 | 1 | 1 | 50.0% |
| Morgan County | 2 | 2 | 0 | 0.0% |
| Lake County | 2 | 1 | 1 | 50.0% |
| Hancock County | 2 | 1 | 0 | 0.0% |
| Pike County | 1 | 1 | 0 | 0.0% |
| Knox County | 1 | 0 | 1 | 100.0% |
| Whitley County | 1 | 1 | 0 | 0.0% |
| Johnson County | 1 | 0 | 0 | 0.0% |
| Carroll County | 1 | 1 | 0 | 0.0% |
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: 19 applications in 2025, of which 13 were originated and 3 denied.
15.8% of all applications, or 18.8% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Empeople Credit Union originated in Indiana in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are Empeople 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