Regional Federal Credit Union in Indiana vs the state
11.5%Denial rate-5.09 pts vs state
12.3%Decision denial rate-7.86 pts vs state
82.0%Origination rate+19.72 pts vs state
6.25%Median rate-0.50 pts vs state
—Rate spread (pts)
$109kMedian applicant income
100Loans originated
14Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 173 | 113 | 17.3% | 5.49% | #190 |
| 2024 | 182 | 123 | 14.3% | 7.25% | #201 |
| 2025 | 122 | 100 | 11.5% | 6.25% | #250 |
What Regional Federal Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Regional Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 68 | 53 | 9 | 13.2% |
| Porter County | 38 | 33 | 3 | 7.9% |
| Jasper County | 4 | 3 | 1 | 25.0% |
| LaPorte County | 2 | 2 | 0 | 0.0% |
| Starke County | 1 | 1 | 0 | 0.0% |
| Vigo County | 1 | 1 | 0 | 0.0% |
| Newton County | 1 | 0 | 1 | 100.0% |
| Clay County | 1 | 1 | 0 | 0.0% |
| Hamilton 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: 122 applications in 2025, of which 100 were originated and 14 denied.
11.5% of all applications, or 12.3% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Regional Federal Credit Union originated in Indiana in 2025 was 6.25%, against a statewide median of 6.75%.
About this data. Figures are Regional 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