Encompass Federal Credit Union
Encompass Federal Credit Union received 102 applications in 2025 and made 89 mortgages, in 13 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $75,000. Of 100 decisions, 7 were denials — 7.0%.
| Legal Entity Identifier | 549300NDK40VRDTY4O46 |
|---|---|
| Applications received | 102 |
| Mortgages made | 89 |
| Denied | 7 |
| Approved, not taken up | 4 |
| Withdrawn or incomplete | 2 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 17 | Not published | $145,000 | 0.0% |
| Refinancing | 23 | Not published | $85,000 | 3.9% |
| Cash-out refinancing | 49 | Not published | $55,000 | 10.7% |
Where Encompass Federal Credit Union lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Clinton County, IN | 31 | Not published | 5.9% |
| Tipton County, IN | 25 | Not published | 3.6% |
| Hamilton County, IN | 11 | Not published | 0.0% |
| Howard County, IN | 6 | Under 10 loans | 14.3% |
| Madison County, IN | 4 | Under 10 loans | 33.3% |
| Miami County, IN | 3 | Under 10 loans | 0.0% |
| Carroll County, IN | 2 | Under 10 loans | 0.0% |
| Grant County, IN | 2 | Under 10 loans | 0.0% |
| Tippecanoe County, IN | 2 | Under 10 loans | 0.0% |
| Boone County, IN | 1 | Under 10 loans | 50.0% |
| Cass County, IN | 1 | Under 10 loans | 0.0% |
| Wabash County, IN | 1 | Under 10 loans | 0.0% |
| Rush County, IN | 0 | Under 10 loans | Not published |
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When Encompass Federal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.