Applications / Mortgage Analytics / Lenders / Indiana / Indiana State University Federal Credit Union
Terre Haute, IN · Credit union · NCUA · $134 million assets · 70 loans in 2025
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70
loans originated, 2025
103
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Indiana State University Federal Credit Union is a Terre Haute lender that spreads its small loans evenly across buying, refinancing, home improvement and other purposes, and holds a steady place in its home market.
No single purpose dominates. Home improvement took 27.1% of its loans, purchases 25.7%, refinancing 24.3% and other purposes 22.9%. Its typical loan was $70,000, against $95,000 at similar lenders (credit unions making between half and twice as many loans). The large share of home-improvement and other loans, which tend to be small, may account for the gap.
It ranks 19 of 220 lenders in Terre Haute, with 1.1% of the market, up from 1.0%. It has lent there since 1991. The leaders are First Financial Bank, Ruoff Mortgage Company and Rocket Mortgage. Elsewhere, in rural Indiana and Illinois, its share is too small to register.
Its loans rose 15% to 70, faster than the 7% at similar lenders. It filed no reports for 2020 to 2022, so the record has a hole there; those years are missing, not empty.
Loans in low- and moderate-income neighborhoods fell to 12.9% from 27.6%, below the 17.2% typical of similar lenders. On 70 loans a swing of a few loans moves this figure a long way, and it could also depend on which neighborhoods its six counties contain. Its share of loans to low- and moderate-income borrowers, 35.7%, stayed above the peer figure of 30.9%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Indiana State University Federal Credit Union took 103 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 27.1% · Purchase 25.7% · Refinance 24.3% · Other 22.9%
Conventional 100.0% · of 70 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Indiana | 68 | 97.1% |
| Illinois | 2 | 2.9% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Terre Haute | 67 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300KILAW2M87QR043 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 33389 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 513616 | 1990–2017 |
Established 1 January 1960. Reported under HMDA 1991-2025.
Mergers, name changes, data editions and corrections: Indiana State University Federal Credit Union's data.
Indiana State University Federal Credit Union's data
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Indiana State University Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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