Three Rivers Federal Credit Union in Indiana vs the state
14.6%Denial rate-2.02 pts vs state
15.7%Decision denial rate-4.42 pts vs state
74.1%Origination rate+11.82 pts vs state
7.00%Median rate+0.25 pts vs state
0.46Rate spread (pts)+0.10 pts vs state
$95kMedian applicant income
2,448Loans originated
481Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 3,057 | 2,207 | 14.8% | 7.93% | #18 |
| 2024 | 3,398 | 2,483 | 15.5% | 7.50% | #18 |
| 2025 | 3,305 | 2,448 | 14.6% | 7.00% | #19 |
What Three Rivers Federal Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Three Rivers Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allen County | 1,973 | 1,496 | 254 | 12.9% |
| Wayne County | 195 | 144 | 34 | 17.4% |
| DeKalb County | 171 | 118 | 30 | 17.5% |
| Whitley County | 154 | 123 | 17 | 11.0% |
| Wells County | 142 | 104 | 17 | 12.0% |
| Noble County | 131 | 93 | 25 | 19.1% |
| Steuben County | 93 | 67 | 19 | 20.4% |
| Delaware County | 58 | 43 | 7 | 12.1% |
| Adams County | 58 | 39 | 9 | 15.5% |
| Huntington County | 54 | 41 | 5 | 9.3% |
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: 3,305 applications in 2025, of which 2,448 were originated and 481 denied.
14.6% of all applications, or 15.7% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Three Rivers Federal Credit Union originated in Indiana in 2025 was 7.00%, against a statewide median of 6.75%.
About this data. Figures are Three Rivers 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