TECH Credit Union in Indiana vs the state
17.8%Denial rate+1.24 pts vs state
18.9%Decision denial rate-1.29 pts vs state
76.4%Origination rate+14.19 pts vs state
7.24%Median rate+0.49 pts vs state
1.04Rate spread (pts)+0.67 pts vs state
$110kMedian applicant income
678Loans originated
158Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 743 | 486 | 29.2% | 6.88% | #81 |
| 2024 | 775 | 571 | 20.8% | 7.24% | #80 |
| 2025 | 887 | 678 | 17.8% | 7.24% | #77 |
What TECH Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most TECH Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 403 | 377 | 8 | 2.0% |
| Porter County | 190 | 182 | 2 | 1.1% |
| LaPorte County | 51 | 48 | 1 | 2.0% |
| Jasper County | 30 | 27 | 0 | 0.0% |
| Newton County | 24 | 23 | 1 | 4.2% |
| Starke County | 11 | 11 | 0 | 0.0% |
| St. Joseph County | 4 | 4 | 0 | 0.0% |
| Elkhart County | 2 | 0 | 2 | 100.0% |
| Carroll County | 1 | 1 | 0 | 0.0% |
| Pulaski 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: 887 applications in 2025, of which 678 were originated and 158 denied.
17.8% of all applications, or 18.9% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans TECH Credit Union originated in Indiana in 2025 was 7.24%, against a statewide median of 6.75%.
About this data. Figures are TECH 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