STERLING UNITED Federal Credit Union
STERLING UNITED Federal Credit Union received 48 applications in 2025 and made 36 mortgages, in 7 counties across 2 states. The median rate its borrowers got was 6.750% on a median loan of $35,000. Of 41 decisions, 5 were denials — 12.2%, most often for credit history.
| Legal Entity Identifier | 549300OD0X37005DV702 |
|---|---|
| Applications received | 48 |
| Mortgages made | 36 |
| Denied | 5 |
| Approved, not taken up | 0 |
| Withdrawn or incomplete | 7 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.725 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 |
|---|---|---|---|---|
| Refinancing | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Cash-out refinancing | 10 | 6.400% | $40,000 | 0.0% |
| Other purposes | 19 | 7.500% | $35,000 | 17.4% |
Where STERLING UNITED Federal Credit Union lends most
The 7 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Vanderburgh County, IN | 23 | 6.500% | 8.0% |
| Warrick County, IN | 6 | Under 10 loans | 25.0% |
| Spencer County, IN | 2 | Under 10 loans | 0.0% |
| Henderson County, KY | 2 | Under 10 loans | 33.3% |
| Posey County, IN | 1 | Under 10 loans | 0.0% |
| Union County, KY | 1 | Under 10 loans | 0.0% |
| Webster County, KY | 1 | Under 10 loans | 0.0% |
Get told when this changes
When STERLING UNITED Federal Credit Union’s figures are published for the next year, or restated.
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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.