# INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/indiana-state-university-federal-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION is a credit union, headquartered in Terre Haute, IN, with 23 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 62% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300KILAW2M87QR043
- **Headquarters:** Terre Haute, IN
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** IN
- **Markets (MSAs):** 1
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Acceptable 🙂
- Score: 38/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.278%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $399
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 23
- **Dollar Volume:** $3 million
- **Applications Received:** 32
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $143,261
- **Average Borrower Income:** $85,696
- **Average Property Value:** $203,261

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 33/100 | 23 | +0.278% | $399 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 20 loans, Score: 34/100 (Acceptable)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 20 | $3M | +0.268% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 23 | 0.03% | 56/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Terre Haute, IN | IN | 23 | 66/100 |

## Where This Lender Ranks

INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#13** in Terre Haute, IN
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders)
- 🏆 **#16** in Terre Haute, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/terre-haute-in/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION offer?

INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION offer mortgages?

INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION offers mortgages in 1 states: IN.

### How competitive are INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION's mortgage rates?

INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.278% above market average.

### What type of lender is INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION?

INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Terre Haute, IN.

### What is INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION's loan approval success rate?

INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION has a pull-through score of 38/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/indiana-state-university-federal-credit-union

### How to Cite

> "INDIANA STATE UNIVERSITY FEDERAL CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/indiana-state-university-federal-credit-union

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