Lender in Indiana · HMDA 2025
Centra Credit Union mortgages in Indiana
Centra Credit Union's 2025 home-purchase and refinance lending in Indiana, compared with all lenders in the state.
Centra Credit Union originated 632 owner-occupied single-family loans in Indiana from 693 completed applications.
Its median conventional purchase loan costs were $2,570 versus $3,350 for all Indiana lenders, at a median 30-year fixed rate of 6.625% (Indiana: 6.625%).
Loans in IN
632
of 693 applications
Denial rate
3.4%
Purchase · IN 7.4%
Rate spread
+0.25 pts
Conv. · IN +0.24 pts
Loan amount
$215,000
Purchase · IN $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 409 | 394 | 3.4% | 6.625% | +0.25 pts | $2,570 | $215,000 |
| Refinance | 90 | 76 | 13.3% | — | +0.31 pts | $2,570 | $155,000 |
| Cash-out refinance | 194 | 162 | 16.5% | 6.625% | +0.24 pts | $2,790 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Indiana counties where Centra Credit Union ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Bartholomew County | 1 | 199 | 15.2% |
| Jackson County | 1 | 63 | 12.1% |
| Scott County | 1 | 49 | 13.4% |
| Jennings County | 2 | 38 | 12.1% |
| Brown County | 2 | 14 | 5.7% |
| Jefferson County | 5 | 24 | 5.6% |
| Decatur County | 6 | 18 | 4.8% |
| Washington County | 6 | 11 | 3.3% |
| Shelby County | 12 | 18 | 2.3% |
| Harrison County | 12 | 10 | 1.8% |
| Clark County | 14 | 41 | 1.6% |
| Floyd County | 14 | 26 | 1.8% |
| Rush County | 17 | 4 | 1.6% |
| Union County | 20 | 1 | 1.1% |
| Martin County | 23 | 1 | 1.0% |
| Switzerland County | 25 | 1 | 0.8% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology