Three Rivers Federal Credit Union mortgage approval rate & lending review
Three Rivers Federal Credit Union decided 4,893 mortgage applications and funded 4,105 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Three Rivers Federal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Three Rivers Federal Credit Union at a glance
Approval is 11.6 points above the 77.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 2,200 / 2,351 | 93% | $225K | 2,048 |
| Home improvement loans | 87% | 1,143 / 1,319 | 97% | $55K | 1,111 |
| Cash-out refinance | 81% | 672 / 825 | 96% | $85K | 643 |
| Refinance | 80% | 126 / 158 | 97% | $175K | 122 |
| Investment property purchase | 88% | 147 / 168 | 92% | $145K | 135 |
| Investment cash-out refinance | 62% | 30 / 48 | 100% | $105K | 30 |
Three Rivers Federal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 89% | $225K | 4,797 | 4,028 |
| Florida | 90% | $415K | 42 | 33 |
| Ohio | 81% | $95K | 37 | 28 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Three Rivers Federal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Allen County, IN | Mortgage lenders | 94% | 2,174 | 1,904 |
| Allen County, IN | Home improvement loans | 88% | 1,222 | 1,040 |
| Allen County, IN | Cash-out refinance | 81% | 763 | 597 |
| Allen County, IN | Refinance | 80% | 153 | 119 |
| Allen County, IN | Investment property purchase | 89% | 124 | 101 |
| Delaware County, IN | Mortgage lenders | 90% | 39 | 33 |
| Delaware County, IN | Home improvement loans | 78% | 27 | 21 |
| Madison County, IN | Mortgage lenders | 83% | 23 | 16 |
| Madison County, IN | Home improvement loans | 58% | 24 | 14 |
The county markets where Three Rivers Federal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Three Rivers Federal Credit Union
What is Three Rivers Federal Credit Union's mortgage approval rate?
Three Rivers Federal Credit Union approved 88.6% of the 4,893 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 11.6 points above the 77.0% national rate for the same mix of loan types.
How often do borrowers take the loan Three Rivers Federal Credit Union offers?
Borrowers accepted 95% of the loans Three Rivers Federal Credit Union approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Three Rivers Federal Credit Union make?
The typical home purchase mortgage loan Three Rivers Federal Credit Union made was $225K; across all loan types its typical loan ran from $55K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Three Rivers Federal Credit Union lend?
Three Rivers Federal Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Indiana, Florida and Ohio.
Can I apply to Three Rivers Federal Credit Union directly?
Yes. Three Rivers Federal Credit Union is a bank or credit union with 25 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Three Rivers Federal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Three Rivers Federal Credit Union treats applications, then get a rate quote from the lender.