SOLIDARITY COMMUNITY 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 412 home-equity (HELOC) lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
55th22.8% deniedPricingmedian rate spread over APOR, weight 30%
34th0.31 ptsProcesswithdrawn + incomplete share, weight 15%
20th18.3%Closing coststotal loan costs ÷ loan amount, weight 10%
63rd2.66% of loanTrend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 307 | 218 | 14.0% | 16.5% | 7.00% | $20M |
| 2024 | 246 | 156 | 12.6% | 16.6% | 9.50% | $15M |
| 2025 | 317 | 193 | 18.6% | 22.8% | 7.50% | $19M |
What SOLIDARITY COMMUNITY 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: 190 home-equity lines, 0 reverse mortgages, 2 manufactured homes, 5 investment properties.
Why SOLIDARITY COMMUNITY Federal Credit Union denies applications
Primary reason reported for each of the 59 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at SOLIDARITY COMMUNITY 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 | 64 | 35 | 37.9% |
| $50k – $100k | 146 | 81 | 22.9% |
| $100k – $150k | 70 | 51 | 14.8% |
| $150k – $250k | 35 | 24 | 10.3% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 57 | 34 | 16.3% |
| 35–44 | 47 | 30 | 25.0% |
| 45–54 | 75 | 44 | 27.4% |
| 55–64 | 51 | 27 | 29.3% |
| 65–74 | 44 | 28 | 19.4% |
| Over 74 | 27 | 19 | 20.0% |
Where SOLIDARITY COMMUNITY Federal Credit Union lends
1 states and 14 counties in 2025. Click a state for the lender's full record there.
| State | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| Indiana | 317 | 193 | 18.6% | 7.50% | #156 |
Frequently asked questions
SOLIDARITY COMMUNITY Federal Credit Union denied 22.8% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 55th percentile of home-equity (HELOC) lenders.
The most common reason SOLIDARITY COMMUNITY Federal Credit Union gave in 2025 was "debt-to-income ratio", cited on 42.4% 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 SOLIDARITY COMMUNITY Federal Credit Union originated in 2025 was 7.50%, and its median rate spread over the average prime offer rate was 0.31 points. Rates on this page are what borrowers actually got, not advertised rates.
In 2025, 26% of its applications were for home purchases, 9% for refinancing (including cash-out), and 65% 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.