National Police Federal Credit Union effective in Indiana vs the state
12.5%Denial rate-4.07 pts vs state
14.3%Decision denial rate-5.85 pts vs state
75.0%Origination rate+12.75 pts vs state
—Median rate
—Rate spread (pts)
$112kMedian applicant income
6Loans originated
1Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 5 | 2 | 20.0% | — | #611 |
| 2025 | 8 | 6 | 12.5% | — | #581 |
What National Police Federal Credit Union effective lends in Indiana
By loan purpose
By loan type
Where in Indiana
Counties with the most National Police Federal Credit Union effective applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 4 | 4 | 0 | 0.0% |
| Kosciusko County | 2 | 0 | 1 | 50.0% |
| Vanderburgh County | 1 | 1 | 0 | 0.0% |
| Ripley 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: 8 applications in 2025, of which 6 were originated and 1 denied.
12.5% of all applications, or 14.3% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are National Police Federal Credit Union effective'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