Centra Credit Union in Indiana vs the state
7.8%Denial rate-8.81 pts vs state
9.4%Decision denial rate-10.77 pts vs state
73.8%Origination rate+11.50 pts vs state
5.63%Median rate-1.13 pts vs state
-0.30Rate spread (pts)-0.66 pts vs state
$80kMedian applicant income
2,206Loans originated
232Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,200 | 1,692 | 7.6% | 6.24% | #29 |
| 2024 | 2,451 | 1,956 | 7.8% | 6.38% | #31 |
| 2025 | 2,991 | 2,206 | 7.8% | 5.63% | #23 |
What Centra Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Centra Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Bartholomew County | 701 | 512 | 44 | 6.3% |
| Clark County | 338 | 251 | 20 | 5.9% |
| Scott County | 256 | 194 | 22 | 8.6% |
| Jackson County | 247 | 192 | 17 | 6.9% |
| Jennings County | 193 | 152 | 14 | 7.3% |
| Floyd County | 151 | 117 | 11 | 7.3% |
| Washington County | 143 | 97 | 21 | 14.7% |
| Marion County | 136 | 82 | 21 | 15.4% |
| Johnson County | 126 | 87 | 11 | 8.7% |
| Jefferson County | 114 | 81 | 6 | 5.3% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 2,991 applications in 2025, of which 2,206 were originated and 232 denied.
7.8% of all applications, or 9.4% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Centra Credit Union originated in Indiana in 2025 was 5.63%, against a statewide median of 6.75%.
About this data. Figures are Centra Credit Union's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology