Lender in Indiana · HMDA 2025
Three Rivers Federal Credit Union mortgages in Indiana
Three Rivers Federal Credit Union's 2025 home-purchase and refinance lending in Indiana, compared with all lenders in the state.
Three Rivers Federal Credit Union originated 1,265 owner-occupied single-family loans in Indiana from 1,497 completed applications, making it the state's #16 lender by volume.
Its median conventional purchase loan costs were $2,820 versus $3,350 for all Indiana lenders, at a median 30-year fixed rate of 6.625% (Indiana: 6.625%).
Loans in IN
1,265
of 1,497 applications
Denial rate
6.2%
Purchase · IN 7.4%
Rate spread
+0.24 pts
Conv. · IN +0.24 pts
Loan amount
$235,000
Purchase · IN $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,150 | 1,009 | 6.2% | 6.625% | +0.24 pts | $2,820 | $235,000 |
| Refinance | 143 | 114 | 18.2% | 6.500% | +0.24 pts | $2,740 | $215,000 |
| Cash-out refinance | 204 | 142 | 27.9% | 6.750% | +0.54 pts | $2,770 | $125,000 |
*Conventional loans only; medians with at least 20 loans.
Indiana counties where Three Rivers Federal Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Allen County | 2 | 787 | 11.9% |
| DeKalb County | 2 | 78 | 9.6% |
| Whitley County | 2 | 58 | 10.2% |
| Noble County | 2 | 48 | 7.6% |
| Steuben County | 3 | 37 | 8.6% |
| Wells County | 3 | 35 | 8.1% |
| Huntington County | 3 | 31 | 5.7% |
| Wayne County | 4 | 64 | 7.8% |
| Adams County | 5 | 23 | 5.3% |
| Union County | 6 | 4 | 4.5% |
| LaGrange County | 12 | 7 | 1.9% |
| Jay County | 13 | 4 | 2.1% |
| Kosciusko County | 15 | 18 | 1.7% |
| Delaware County | 16 | 22 | 1.5% |
| Randolph County | 18 | 4 | 1.3% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology