PARTNERS 1ST Federal Credit Union at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the C grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
31st15.1% deniedPricingmedian rate spread over APOR, weight 30%
46th0.30 ptsProcesswithdrawn + incomplete share, weight 15%
37th14.5%Closing coststotal loan costs ÷ loan amount, weight 10%
24th2.73% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 479 | 350 | 11.7% | 13.8% | 6.94% | $44M |
| 2024 | 392 | 246 | 14.5% | 18.3% | 8.00% | $26M |
| 2025 | 365 | 262 | 12.9% | 15.1% | 7.00% | $41M |
What PARTNERS 1ST Federal Credit Union lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 90 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 2 investment properties.
Why PARTNERS 1ST Federal Credit Union denies applications
Primary reason reported for each of the 47 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at PARTNERS 1ST Federal Credit Union
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 53 | 33 | 29.8% |
| $50k – $100k | 129 | 94 | 13.0% |
| $100k – $150k | 93 | 73 | 9.9% |
| $150k – $250k | 54 | 41 | 8.5% |
| Over $250k | 24 | 20 | 0.0% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 64 | 44 | 11.8% |
| 35–44 | 86 | 68 | 11.7% |
| 45–54 | 73 | 53 | 16.9% |
| 55–64 | 69 | 46 | 16.1% |
| 65–74 | 46 | 32 | 20.0% |
Where PARTNERS 1ST Federal Credit Union lends
5 states and 52 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Indiana | 280 | 209 | 10.7% | 7.00% | #163 |
| Virginia | 51 | 31 | 27.5% | 7.50% | #373 |
| Ohio | 21 | 16 | 4.8% | 6.38% | #523 |
| Maryland | 7 | 3 | 14.3% | 7.57% | #506 |
| West Virginia | 6 | 3 | 16.7% | 8.50% | #299 |
Frequently asked questions
PARTNERS 1ST Federal Credit Union denied 15.1% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 31st percentile of small mortgage lenders.
The most common reason PARTNERS 1ST Federal Credit Union gave in 2025 was "credit history", cited on 38.3% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
The median interest rate on loans PARTNERS 1ST Federal Credit Union originated in 2025 was 7.00%, and its median rate spread over the average prime offer rate was 0.30 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 27% of its applications were for home purchases, 53% for refinancing (including cash-out), and 19% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.