Indiana University Credit Union in Indiana vs the state
15.3%Denial rate-1.26 pts vs state
17.1%Decision denial rate-3.08 pts vs state
73.3%Origination rate+11.02 pts vs state
6.88%Median rate+0.13 pts vs state
0.29Rate spread (pts)-0.08 pts vs state
$97kMedian applicant income
962Loans originated
201Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,219 | 879 | 16.3% | 6.88% | #58 |
| 2024 | 1,250 | 915 | 14.6% | 7.10% | #60 |
| 2025 | 1,313 | 962 | 15.3% | 6.88% | #62 |
What Indiana University Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Indiana University Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Monroe County | 809 | 603 | 114 | 14.1% |
| Marion County | 70 | 52 | 14 | 20.0% |
| Lawrence County | 66 | 46 | 12 | 18.2% |
| Greene County | 45 | 29 | 11 | 24.4% |
| Owen County | 43 | 25 | 8 | 18.6% |
| Johnson County | 41 | 25 | 13 | 31.7% |
| Morgan County | 26 | 17 | 6 | 23.1% |
| Brown County | 25 | 14 | 5 | 20.0% |
| Lake County | 23 | 21 | 1 | 4.3% |
| St. Joseph County | 19 | 18 | 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: 1,313 applications in 2025, of which 962 were originated and 201 denied.
15.3% of all applications, or 17.1% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Indiana University Credit Union originated in Indiana in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Indiana University 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