Interra Credit Union in Indiana vs the state
19.6%Denial rate+2.99 pts vs state
22.9%Decision denial rate+2.71 pts vs state
64.8%Origination rate+2.51 pts vs state
7.50%Median rate+0.75 pts vs state
0.26Rate spread (pts)-0.11 pts vs state
$83kMedian applicant income
950Loans originated
287Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,414 | 1,025 | 17.1% | 8.00% | #52 |
| 2024 | 1,655 | 1,142 | 15.6% | 8.00% | #48 |
| 2025 | 1,467 | 950 | 19.6% | 7.50% | #58 |
What Interra Credit Union lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Interra Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Elkhart County | 865 | 572 | 161 | 18.6% |
| LaGrange County | 204 | 128 | 36 | 17.6% |
| Kosciusko County | 134 | 82 | 28 | 20.9% |
| Noble County | 86 | 50 | 25 | 29.1% |
| St. Joseph County | 76 | 55 | 12 | 15.8% |
| Marshall County | 62 | 39 | 14 | 22.6% |
| Steuben County | 9 | 6 | 2 | 22.2% |
| DeKalb County | 5 | 2 | 3 | 60.0% |
| Allen County | 4 | 3 | 0 | 0.0% |
| Starke County | 4 | 3 | 1 | 25.0% |
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: 1,467 applications in 2025, of which 950 were originated and 287 denied.
19.6% of all applications, or 22.9% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Interra Credit Union originated in Indiana in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are Interra 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