Usalliance Federal Credit Union in Indiana vs the state
15.2%Denial rate-1.42 pts vs state
18.5%Decision denial rate-1.62 pts vs state
66.7%Origination rate+4.42 pts vs state
8.25%Median rate+1.50 pts vs state
1.59Rate spread (pts)+1.22 pts vs state
$170kMedian applicant income
22Loans originated
5Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 10 | 5 | 0.0% | 9.13% | #520 |
| 2024 | 12 | 10 | 8.3% | 9.19% | #510 |
| 2025 | 33 | 22 | 15.2% | 8.25% | #398 |
What Usalliance Federal Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Usalliance Federal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Tippecanoe County | 5 | 4 | 0 | 0.0% |
| Hamilton County | 5 | 4 | 0 | 0.0% |
| Marion County | 3 | 2 | 1 | 33.3% |
| Howard County | 2 | 2 | 0 | 0.0% |
| Allen County | 2 | 1 | 1 | 50.0% |
| Clark County | 2 | 1 | 0 | 0.0% |
| Johnson County | 2 | 2 | 0 | 0.0% |
| Porter County | 2 | 1 | 1 | 50.0% |
| Putnam County | 1 | 1 | 0 | 0.0% |
| Carroll 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: 33 applications in 2025, of which 22 were originated and 5 denied.
15.2% of all applications, or 18.5% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Usalliance Federal Credit Union originated in Indiana in 2025 was 8.25%, against a statewide median of 6.75%.
About this data. Figures are Usalliance 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