Regional 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%
38th12.7% deniedProcesswithdrawn + incomplete share, weight 15%
61st9.2%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 178 | 114 | 16.9% | 20.7% | 5.49% | $9.6M |
| 2024 | 186 | 123 | 14.0% | 17.1% | 7.25% | $9.7M |
| 2025 | 130 | 103 | 11.5% | 12.7% | 6.49% | $16M |
What Regional 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: 65 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 6 investment properties.
Why Regional Federal Credit Union denies applications
Primary reason reported for each of the 15 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Regional 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 | 20 | 11 | 26.7% |
| $50k – $100k | 41 | 32 | 15.8% |
| $100k – $150k | 31 | 25 | 10.7% |
| $150k – $250k | 27 | 25 | 7.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 35–44 | 32 | 26 | 13.3% |
| 45–54 | 25 | 20 | 13.0% |
| 55–64 | 28 | 24 | 4.0% |
Where Regional Federal Credit Union lends
2 states and 9 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Indiana | 122 | 100 | 11.5% | 6.25% | #250 |
Frequently asked questions
Regional Federal Credit Union denied 12.7% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 38th percentile of small mortgage lenders.
The most common reason Regional Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 40.0% 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 Regional Federal Credit Union originated in 2025 was 6.49%, and its median rate spread over the average prime offer rate was 0.00 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 18% of its applications were for home purchases, 4% for refinancing (including cash-out), and 78% 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.