Financial Center First Credit Union in Indiana vs the state
31.1%Denial rate+14.57 pts vs state
32.3%Decision denial rate+12.14 pts vs state
62.5%Origination rate+0.28 pts vs state
6.75%Median rate0.00 pts vs state
0.79Rate spread (pts)+0.42 pts vs state
$86kMedian applicant income
247Loans originated
123Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 453 | 282 | 37.1% | 7.65% | #106 |
| 2024 | 502 | 319 | 36.1% | 7.15% | #108 |
| 2025 | 395 | 247 | 31.1% | 6.75% | #137 |
What Financial Center First Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Financial Center First Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 160 | 95 | 55 | 34.4% |
| Delaware County | 60 | 42 | 16 | 26.7% |
| Hamilton County | 37 | 23 | 12 | 32.4% |
| Johnson County | 35 | 20 | 11 | 31.4% |
| Howard County | 18 | 10 | 7 | 38.9% |
| Hendricks County | 16 | 11 | 4 | 25.0% |
| Madison County | 13 | 7 | 3 | 23.1% |
| Hancock County | 12 | 8 | 4 | 33.3% |
| Morgan County | 10 | 6 | 3 | 30.0% |
| Shelby County | 6 | 5 | 1 | 16.7% |
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: 395 applications in 2025, of which 247 were originated and 123 denied.
31.1% of all applications, or 32.3% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Financial Center First Credit Union originated in Indiana in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Financial Center First 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