MidWest America Federal Credit Union in Indiana vs the state
8.4%Denial rate-8.16 pts vs state
9.3%Decision denial rate-10.86 pts vs state
76.6%Origination rate+14.32 pts vs state
6.49%Median rate-0.26 pts vs state
0.62Rate spread (pts)+0.26 pts vs state
$79kMedian applicant income
683Loans originated
75Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 530 | 362 | 12.8% | 6.75% | #94 |
| 2024 | 504 | 356 | 11.9% | 7.49% | #107 |
| 2025 | 892 | 683 | 8.4% | 6.49% | #76 |
What MidWest America Federal Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most MidWest America Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allen County | 524 | 398 | 49 | 9.4% |
| Adams County | 77 | 62 | 5 | 6.5% |
| Huntington County | 61 | 49 | 5 | 8.2% |
| Whitley County | 53 | 45 | 3 | 5.7% |
| Noble County | 40 | 26 | 3 | 7.5% |
| Wells County | 34 | 25 | 2 | 5.9% |
| Steuben County | 27 | 24 | 0 | 0.0% |
| DeKalb County | 24 | 20 | 1 | 4.2% |
| LaGrange County | 19 | 14 | 2 | 10.5% |
| Kosciusko County | 10 | 7 | 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: 892 applications in 2025, of which 683 were originated and 75 denied.
8.4% of all applications, or 9.3% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans MidWest America Federal Credit Union originated in Indiana in 2025 was 6.49%, against a statewide median of 6.75%.
About this data. Figures are MidWest America 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