PARTNERS 1ST Federal Credit Union in Indiana vs the state
10.7%Denial rate-5.86 pts vs state
12.5%Decision denial rate-7.69 pts vs state
74.6%Origination rate+12.39 pts vs state
7.00%Median rate+0.25 pts vs state
0.28Rate spread (pts)-0.08 pts vs state
$98kMedian applicant income
209Loans originated
30Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 350 | 272 | 8.3% | 7.00% | #126 |
| 2024 | 315 | 199 | 13.7% | 8.00% | #140 |
| 2025 | 280 | 209 | 10.7% | 7.00% | #163 |
What PARTNERS 1ST Federal Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most PARTNERS 1ST Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allen County | 207 | 156 | 24 | 11.6% |
| Huntington County | 13 | 11 | 1 | 7.7% |
| DeKalb County | 12 | 8 | 0 | 0.0% |
| Whitley County | 9 | 7 | 1 | 11.1% |
| Noble County | 8 | 4 | 1 | 12.5% |
| Grant County | 4 | 3 | 1 | 25.0% |
| Elkhart County | 3 | 2 | 0 | 0.0% |
| Wells County | 3 | 3 | 0 | 0.0% |
| St. Joseph County | 3 | 2 | 0 | 0.0% |
| Kosciusko County | 2 | 2 | 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: 280 applications in 2025, of which 209 were originated and 30 denied.
10.7% of all applications, or 12.5% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans PARTNERS 1ST Federal Credit Union originated in Indiana in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are PARTNERS 1ST 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