Three Rivers Federal Credit Union
Three Rivers Federal Credit Union received 3,512 applications in 2025 and made 2,584 mortgages, in 95 counties across 4 states. The median rate its borrowers got was 7.000% on a median loan of $125,000. Of 3,242 decisions, 520 were denials — 16.0%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300ZBBGOL4MIK0L71 |
|---|---|
| Applications received | 3,512 |
| Mortgages made | 2,584 |
| Denied | 520 |
| Approved, not taken up | 138 |
| Withdrawn or incomplete | 270 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.468 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 | 1,167 | 6.625% | $225,000 | 7.0% |
| Refinancing | 134 | 6.500% | $205,000 | 17.5% |
| Cash-out refinancing | 454 | 7.688% | $95,000 | 19.8% |
| Other purposes | 829 | 7.750% | $55,000 | 24.7% |
Where Three Rivers Federal Credit Union lends most
The 50 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 | 1,496 | 7.000% | 13.9% |
| Wayne County, IN | 144 | 7.063% | 18.8% |
| Whitley County, IN | 123 | 7.125% | 11.8% |
| DeKalb County, IN | 118 | 6.875% | 19.0% |
| Wells County, IN | 104 | 7.500% | 13.4% |
| Noble County, IN | 93 | 7.000% | 20.2% |
| Steuben County, IN | 67 | 6.875% | 21.6% |
| Auglaize County, OH | 47 | 7.500% | 21.7% |
| Delaware County, IN | 43 | 6.875% | 13.2% |
| Huntington County, IN | 41 | 6.875% | 10.6% |
| Adams County, IN | 39 | 7.000% | 18.4% |
| Kosciusko County, IN | 30 | 6.750% | 20.5% |
| Hamilton County, IN | 19 | 7.500% | 12.5% |
| Madison County, IN | 18 | 8.500% | 20.8% |
| LaGrange County, IN | 17 | 7.125% | 21.7% |
| Van Wert County, OH | 15 | 6.875% | 16.7% |
| Paulding County, OH | 14 | 7.000% | 11.1% |
| Marion County, IN | 13 | 6.875% | 30.0% |
| Mercer County, OH | 12 | 7.500% | 18.8% |
| Hancock County, IN | 11 | 7.625% | 20.0% |
| Union County, IN | 11 | 7.000% | 20.0% |
| Defiance County, OH | 7 | Under 10 loans | 22.2% |
| Wabash County, IN | 6 | Under 10 loans | 11.1% |
| Blackford County, IN | 5 | Under 10 loans | 28.6% |
| Fayette County, IN | 5 | Under 10 loans | 44.4% |
| Grant County, IN | 5 | Under 10 loans | 28.6% |
| Jay County, IN | 5 | Under 10 loans | 40.0% |
| Randolph County, IN | 5 | Under 10 loans | 37.5% |
| Lee County, FL | 4 | Under 10 loans | 0.0% |
| Miami County, IN | 4 | Under 10 loans | 25.0% |
| Branch County, MI | 4 | Under 10 loans | 33.3% |
| Elkhart County, IN | 3 | Under 10 loans | 25.0% |
| Henry County, IN | 3 | Under 10 loans | 66.7% |
| Allen County, OH | 3 | Under 10 loans | 25.0% |
| Collier County, FL | 2 | Under 10 loans | 0.0% |
| Johnson County, IN | 2 | Under 10 loans | 0.0% |
| Rush County, IN | 2 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 2 | Under 10 loans | 0.0% |
| Lucas County, OH | 2 | Under 10 loans | 33.3% |
| Montgomery County, OH | 2 | Under 10 loans | 0.0% |
| Wood County, OH | 2 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Escambia County, FL | 1 | Under 10 loans | 50.0% |
| Hillsborough County, FL | 1 | Under 10 loans | 0.0% |
| Pinellas County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 0.0% |
| Boone County, IN | 1 | Under 10 loans | 0.0% |
| Floyd County, IN | 1 | Under 10 loans | 0.0% |
| Fulton County, IN | 1 | Under 10 loans | 0.0% |
| Marshall County, IN | 1 | Under 10 loans | 0.0% |
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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.