PROFED CREDIT UNION
PROFED CREDIT UNION received 1,134 applications in 2025 and made 738 mortgages, in 32 counties across 4 states. The median rate its borrowers got was 7.250% on a median loan of $85,000. Of 1,133 decisions, 258 were denials — 22.8%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300BSIYFJ3FALVK78 |
|---|---|
| Applications received | 1,134 |
| Mortgages made | 738 |
| Denied | 258 |
| Approved, not taken up | 137 |
| Withdrawn or incomplete | 1 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.255 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 | 213 | 6.375% | $235,000 | 5.8% |
| Refinancing | 30 | 6.375% | $200,000 | 7.8% |
| Cash-out refinancing | 50 | 6.750% | $135,000 | 31.0% |
| Other purposes | 445 | 7.500% | $45,000 | 29.8% |
Where PROFED CREDIT UNION lends most
The 32 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 | 332 | 7.250% | 21.1% |
| Steuben County, IN | 79 | 7.490% | 25.0% |
| DeKalb County, IN | 74 | 7.125% | 18.3% |
| Wells County, IN | 66 | 7.490% | 21.4% |
| Noble County, IN | 49 | 7.490% | 29.9% |
| Adams County, IN | 40 | 7.495% | 31.2% |
| Whitley County, IN | 40 | 7.250% | 30.7% |
| LaGrange County, IN | 11 | 7.500% | 7.1% |
| Kosciusko County, IN | 7 | Under 10 loans | 11.1% |
| Huntington County, IN | 6 | Under 10 loans | 30.0% |
| Wabash County, IN | 4 | Under 10 loans | 20.0% |
| Elkhart County, IN | 3 | Under 10 loans | 0.0% |
| Grant County, IN | 3 | Under 10 loans | 0.0% |
| Paulding County, OH | 3 | Under 10 loans | 0.0% |
| Blackford County, IN | 2 | Under 10 loans | 40.0% |
| Marion County, IN | 2 | Under 10 loans | 33.3% |
| Defiance County, OH | 2 | Under 10 loans | 0.0% |
| Van Wert County, OH | 2 | Under 10 loans | 33.3% |
| Williams County, OH | 2 | Under 10 loans | 33.3% |
| DuPage County, IL | 1 | Under 10 loans | 0.0% |
| Delaware County, IN | 1 | Under 10 loans | 66.7% |
| Fulton County, IN | 1 | Under 10 loans | 0.0% |
| Hamilton County, IN | 1 | Under 10 loans | 0.0% |
| Monroe County, IN | 1 | Under 10 loans | 0.0% |
| Morgan County, IN | 1 | Under 10 loans | 0.0% |
| Branch County, MI | 1 | Under 10 loans | 0.0% |
| Calhoun County, MI | 1 | Under 10 loans | 0.0% |
| Clinton County, MI | 1 | Under 10 loans | 0.0% |
| Delaware County, OH | 1 | Under 10 loans | 0.0% |
| Wayne County, OH | 1 | Under 10 loans | 0.0% |
| Bartholomew County, IN | 0 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 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.