Indiana University Credit Union mortgage approval rate & lending review
Indiana University Credit Union decided 2,636 mortgage applications and funded 2,146 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Indiana University Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Indiana University Credit Union at a glance
Approval is 7.8 points above the 74.8% 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 | 89% | 547 / 616 | 98% | $275K | 536 |
| Home improvement loans | 93% | 241 / 260 | 99% | $65K | 238 |
| Cash-out refinance | 80% | 845 / 1,051 | 98% | $65K | 832 |
| Refinance | 36% | 89 / 245 | 99% | $125K | 88 |
| Investment property purchase | 98% | 145 / 148 | 97% | $125K | 141 |
| Investment cash-out refinance | 96% | 112 / 117 | 100% | $135K | 112 |
| Investment refinance | 100% | 184 / 184 | 100% | $145K | 184 |
Indiana University Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 83% | $125K | 2,627 | 2,139 |
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 Indiana University Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Monroe County, IN | Cash-out refinance | 82% | 895 | 721 |
| Monroe County, IN | Mortgage lenders | 90% | 512 | 453 |
| Monroe County, IN | Home improvement loans | 93% | 218 | 199 |
| Monroe County, IN | Refinance | 40% | 186 | 74 |
| Monroe County, IN | Investment property purchase | 97% | 70 | 64 |
| Marion County, IN | Investment refinance | 100% | 59 | 59 |
| Marion County, IN | Investment cash-out refinance | 100% | 36 | 36 |
| Johnson County, IN | Cash-out refinance | 74% | 46 | 34 |
| Marion County, IN | Cash-out refinance | 63% | 51 | 31 |
| Marion County, IN | Investment property purchase | 100% | 26 | 26 |
The county markets where Indiana University Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Indiana University Credit Union
What is Indiana University Credit Union's mortgage approval rate?
Indiana University Credit Union approved 82.6% of the 2,636 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.8 points above the 74.8% national rate for the same mix of loan types.
How often do borrowers take the loan Indiana University Credit Union offers?
Borrowers accepted 99% of the loans Indiana University Credit Union approved, against 94% for all cash-out refinance lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Indiana University Credit Union make?
The typical cash-out refinance loan Indiana University Credit Union made was $65K; across all loan types its typical loan ran from $65K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Indiana University Credit Union lend?
Indiana University Credit Union decided applications in 4 of the states Fat Boy Data covers, most of them in Indiana, Illinois and Kentucky.
Can I apply to Indiana University Credit Union directly?
Yes. Indiana University Credit Union is a bank or credit union with 7 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Indiana University 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 Indiana University Credit Union treats applications, then get a rate quote from the lender.