United Federal Credit Union in Indiana vs the state
23.9%Denial rate+7.35 pts vs state
27.8%Decision denial rate+7.62 pts vs state
60.8%Origination rate-1.44 pts vs state
6.88%Median rate+0.13 pts vs state
0.39Rate spread (pts)+0.03 pts vs state
$85kMedian applicant income
211Loans originated
83Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 347 | 197 | 28.8% | 7.75% | #127 |
| 2024 | 324 | 200 | 25.3% | 8.05% | #137 |
| 2025 | 347 | 211 | 23.9% | 6.88% | #147 |
What United Federal Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most United Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| St. Joseph County | 227 | 141 | 53 | 23.3% |
| Elkhart County | 56 | 32 | 14 | 25.0% |
| Lake County | 21 | 10 | 9 | 42.9% |
| LaPorte County | 10 | 8 | 1 | 10.0% |
| Marshall County | 9 | 6 | 3 | 33.3% |
| Marion County | 4 | 3 | 0 | 0.0% |
| Hamilton County | 3 | 1 | 0 | 0.0% |
| Porter County | 3 | 2 | 1 | 33.3% |
| Kosciusko County | 2 | 2 | 0 | 0.0% |
| Cass County | 2 | 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: 347 applications in 2025, of which 211 were originated and 83 denied.
23.9% of all applications, or 27.8% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans United Federal Credit Union originated in Indiana in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are United 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