BEACON CREDIT UNION
BEACON CREDIT UNION received 694 applications in 2025 and made 507 mortgages, in 52 counties across 6 states. The median rate its borrowers got was 7.250% on a median loan of $105,000. Of 651 decisions, 95 were denials — 14.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300K0WZYZ4I41CZ29 |
|---|---|
| Applications received | 694 |
| Mortgages made | 507 |
| Denied | 95 |
| Approved, not taken up | 49 |
| Withdrawn or incomplete | 43 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.345 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 | 132 | 6.750% | $175,000 | 5.9% |
| Refinancing | 24 | 6.250% | $185,000 | 21.2% |
| Cash-out refinancing | 307 | 7.500% | $85,000 | 17.7% |
| Other purposes | 44 | 7.500% | $80,000 | 11.1% |
Where BEACON 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 |
|---|---|---|---|
| Wabash County, IN | 81 | 7.250% | 5.7% |
| Miami County, IN | 67 | 7.500% | 20.4% |
| Cass County, IN | 45 | 7.125% | 10.9% |
| Fulton County, IN | 40 | 7.313% | 15.4% |
| Kosciusko County, IN | 37 | 7.375% | 16.7% |
| Rush County, IN | 27 | 7.000% | 3.2% |
| DeKalb County, IN | 23 | 7.250% | 25.0% |
| Washington County, IN | 22 | 7.125% | 25.8% |
| Grant County, IN | 20 | 7.250% | 11.5% |
| Huntington County, IN | 19 | 7.500% | 0.0% |
| Allen County, IN | 15 | 7.000% | 11.8% |
| Marshall County, IN | 15 | 7.500% | 15.0% |
| Jackson County, IN | 10 | 7.500% | 23.5% |
| Howard County, IN | 9 | Under 10 loans | 10.0% |
| Orange County, IN | 5 | Under 10 loans | 45.5% |
| Tippecanoe County, IN | 5 | Under 10 loans | 0.0% |
| Clark County, IN | 4 | Under 10 loans | 0.0% |
| Elkhart County, IN | 4 | Under 10 loans | 20.0% |
| Hancock County, IN | 4 | Under 10 loans | 16.7% |
| Lawrence County, IN | 4 | Under 10 loans | 28.6% |
| Starke County, IN | 4 | Under 10 loans | 20.0% |
| Steuben County, IN | 4 | Under 10 loans | 33.3% |
| Marion County, IN | 3 | Under 10 loans | 0.0% |
| Noble County, IN | 3 | Under 10 loans | 25.0% |
| Pulaski County, IN | 3 | Under 10 loans | 0.0% |
| Randolph County, IN | 3 | Under 10 loans | 0.0% |
| St. Joseph County, MI | 3 | Under 10 loans | 0.0% |
| Blackford County, IN | 2 | Under 10 loans | 0.0% |
| Carroll County, IN | 2 | Under 10 loans | 0.0% |
| Fayette County, IN | 2 | Under 10 loans | 33.3% |
| Hamilton County, IN | 2 | Under 10 loans | 0.0% |
| Whitley County, IN | 2 | Under 10 loans | 0.0% |
| Bartholomew County, IN | 1 | Under 10 loans | 0.0% |
| Decatur County, IN | 1 | Under 10 loans | 0.0% |
| Delaware County, IN | 1 | Under 10 loans | 0.0% |
| Harrison County, IN | 1 | Under 10 loans | 0.0% |
| Henry County, IN | 1 | Under 10 loans | 0.0% |
| Jefferson County, IN | 1 | Under 10 loans | 0.0% |
| Jennings County, IN | 1 | Under 10 loans | 0.0% |
| Johnson County, IN | 1 | Under 10 loans | 0.0% |
| LaPorte County, IN | 1 | Under 10 loans | 0.0% |
| Madison County, IN | 1 | Under 10 loans | 0.0% |
| Porter County, IN | 1 | Under 10 loans | 0.0% |
| St. Joseph County, IN | 1 | Under 10 loans | 50.0% |
| Wells County, IN | 1 | Under 10 loans | 0.0% |
| Meade County, KY | 1 | Under 10 loans | 0.0% |
| Branch County, MI | 1 | Under 10 loans | 0.0% |
| Van Wert County, OH | 1 | Under 10 loans | 0.0% |
| Aiken County, SC | 1 | Under 10 loans | 0.0% |
| Sauk County, WI | 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.