Applications / Mortgage Analytics / Lenders / Indiana / Sterling United Federal Credit Union
Evansville, IN · Credit union · NCUA · $99.9 million assets · 36 loans in 2025
Sterling United Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
36
loans originated, 2025
48
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Sterling United Federal Credit Union, of Evansville, Indiana, made no home-purchase loans in 2025: its 36 loans were small refinances, home-improvement and other loans, mostly to modest earners.
Refinances made up 47.2% of its loans, other purposes 36.1% and home improvement 16.7%. Its typical loan was $35,000, against $95,000 at similar lenders, meaning credit unions making between half and twice as many loans; that was the lowest of the group. With no purchases at all, it lends only against homes its members already own.
Of its loans, 63.9% went to low- and moderate-income borrowers, about twice the peers' 31.7% and higher than nearly all of them. Small loans suit such borrowers, which may explain much of the gap. None of its loans was higher-priced, carrying a rate well above the average for similar loans, and its typical rate matched peers' 6.75%.
It ranked 90 of 248 lenders in Evansville with 0.1% of lending, a market led by Liberty Federal Credit Union. Its loans rose 9% to 36, while similar lenders made the same number as a year before. It filed no report for 2020 or 2021; those are gaps in the record, not years without lending.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted.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. Sterling United Federal Credit Union took 48 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 47.2% · Other 36.1% · Home improvement 16.7%
Conventional 100.0% · of 36 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 | 32 | 88.9% |
| Kentucky | 4 | 11.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Evansville | 30 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300OD0X37005DV702 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 654289 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 511273 | 2004–2017 |
Established 1 January 1956. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Sterling United Federal Credit Union's data.
Sterling United Federal Credit Union's data
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Sterling United 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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