MidWest America Federal Credit Union
MidWest America Federal Credit Union received 916 applications in 2025 and made 703 mortgages, in 34 counties across 6 states. The median rate its borrowers got was 6.490% on a median loan of $55,000. Of 829 decisions, 76 were denials — 9.2%, most often for debt-to-income ratio. 10 of its applications carried no county and are counted here but on no county page.
| Legal Entity Identifier | 54930030UYPZM65LOF37 |
|---|---|
| Applications received | 916 |
| Mortgages made | 703 |
| Denied | 76 |
| Approved, not taken up | 50 |
| Withdrawn or incomplete | 87 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.637 points |
| 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 | 119 | 6.625% | $175,000 | 4.5% |
| Refinancing | 407 | 6.490% | $55,000 | 9.6% |
| Cash-out refinancing | 36 | 6.875% | $185,000 | 7.7% |
| Other purposes | 141 | 6.490% | $45,000 | 11.8% |
Where MidWest America Federal Credit Union lends most
The 34 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Allen County, IN | 398 | 6.490% | 10.2% |
| Adams County, IN | 62 | 6.490% | 7.1% |
| Huntington County, IN | 49 | 6.490% | 8.9% |
| Whitley County, IN | 45 | 6.490% | 6.0% |
| Noble County, IN | 26 | 6.490% | 9.4% |
| Wells County, IN | 25 | 6.490% | 7.4% |
| Steuben County, IN | 24 | 6.490% | 0.0% |
| DeKalb County, IN | 20 | 6.688% | 4.4% |
| LaGrange County, IN | 14 | 6.490% | 12.5% |
| Kosciusko County, IN | 7 | Under 10 loans | 0.0% |
| Van Wert County, OH | 5 | Under 10 loans | 0.0% |
| Clark County, NV | 3 | Under 10 loans | 0.0% |
| Jay County, IN | 2 | Under 10 loans | 0.0% |
| Wabash County, IN | 2 | Under 10 loans | 0.0% |
| Defiance County, OH | 2 | Under 10 loans | 0.0% |
| Mercer County, OH | 2 | Under 10 loans | 0.0% |
| Paulding County, OH | 2 | Under 10 loans | 0.0% |
| Williams County, OH | 2 | Under 10 loans | 0.0% |
| Broward County, FL | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Vermilion County, IL | 1 | Under 10 loans | 0.0% |
| Blackford County, IN | 1 | Under 10 loans | 0.0% |
| Delaware County, IN | 1 | Under 10 loans | 0.0% |
| Elkhart County, IN | 1 | Under 10 loans | 0.0% |
| Grant County, IN | 1 | Under 10 loans | 0.0% |
| Henry County, IN | 1 | Under 10 loans | 0.0% |
| Marshall County, IN | 1 | Under 10 loans | 0.0% |
| Pulaski County, IN | 1 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 1 | Under 10 loans | 66.7% |
| Vermillion County, IN | 1 | Under 10 loans | 0.0% |
| Branch County, MI | 1 | Under 10 loans | 0.0% |
| Cass County, IN | 0 | Under 10 loans | 100.0% |
| LaPorte County, IN | 0 | Under 10 loans | 100.0% |
| Hancock County, OH | 0 | Under 10 loans | 100.0% |
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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.