Centra Credit Union
Centra Credit Union received 3,115 applications in 2025 and made 2,292 mortgages, in 103 counties across 18 states. The median rate its borrowers got was 5.625% on a median loan of $105,000. Of 2,573 decisions, 241 were denials — 9.4%, most often for credit history.
| Legal Entity Identifier | 5493007LUU2DLS755O60 |
|---|---|
| Applications received | 3,115 |
| Mortgages made | 2,292 |
| Denied | 241 |
| Approved, not taken up | 40 |
| Withdrawn or incomplete | 542 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | -0.2725 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 |
|---|---|---|---|---|
| Home purchase | 480 | 6.625% | $205,000 | 3.0% |
| Refinancing | 318 | 6.625% | $105,000 | 9.3% |
| Cash-out refinancing | 271 | 6.500% | $145,000 | 13.7% |
| Other purposes | 1,223 | 5.240% | $65,000 | 10.7% |
Where Centra Credit Union lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Bartholomew County, IN | 512 | 6.000% | 7.8% |
| Clark County, IN | 251 | 5.240% | 7.2% |
| Scott County, IN | 194 | 6.325% | 9.9% |
| Jackson County, IN | 192 | 6.250% | 8.1% |
| Jennings County, IN | 152 | 6.313% | 8.4% |
| Floyd County, IN | 117 | 5.750% | 8.4% |
| Washington County, IN | 97 | 5.240% | 17.7% |
| Johnson County, IN | 87 | 5.625% | 11.0% |
| Marion County, IN | 82 | 5.370% | 19.3% |
| Jefferson County, IN | 81 | 6.490% | 6.9% |
| Shelby County, IN | 79 | 5.490% | 11.1% |
| Decatur County, IN | 66 | 5.240% | 13.2% |
| Harrison County, IN | 64 | 5.240% | 7.2% |
| Brown County, IN | 57 | 5.240% | 6.5% |
| Hamilton County, IN | 40 | 5.240% | 4.8% |
| Jefferson County, KY | 21 | 6.500% | 12.5% |
| Chautauqua County, NY | 20 | 5.683% | 4.6% |
| Boone County, IN | 17 | 5.375% | 5.6% |
| Hancock County, IN | 11 | 6.125% | 15.4% |
| Rush County, IN | 10 | 6.063% | 26.7% |
| Lawrence County, IN | 9 | Under 10 loans | 10.0% |
| Morgan County, IN | 8 | Under 10 loans | 0.0% |
| Ripley County, IN | 8 | Under 10 loans | 0.0% |
| Monroe County, IN | 7 | Under 10 loans | 0.0% |
| Delaware County, IN | 6 | Under 10 loans | 0.0% |
| Hendricks County, IN | 6 | Under 10 loans | 14.3% |
| Orange County, IN | 5 | Under 10 loans | 16.7% |
| Allen County, IN | 4 | Under 10 loans | 0.0% |
| Franklin County, IN | 4 | Under 10 loans | 33.3% |
| Henry County, IN | 4 | Under 10 loans | 0.0% |
| Vigo County, IN | 4 | Under 10 loans | 0.0% |
| Warren County, PA | 4 | Under 10 loans | 20.0% |
| Crawford County, IN | 3 | Under 10 loans | 0.0% |
| Dubois County, IN | 3 | Under 10 loans | 0.0% |
| Fayette County, IN | 3 | Under 10 loans | 0.0% |
| Owen County, IN | 3 | Under 10 loans | 0.0% |
| Trimble County, KY | 3 | Under 10 loans | 0.0% |
| Russell County, AL | 2 | Under 10 loans | 0.0% |
| Charlotte County, FL | 2 | Under 10 loans | 0.0% |
| Sumter County, FL | 2 | Under 10 loans | 0.0% |
| Gibson County, IN | 2 | Under 10 loans | 0.0% |
| Madison County, IN | 2 | Under 10 loans | 0.0% |
| Martin County, IN | 2 | Under 10 loans | 0.0% |
| Montgomery County, IN | 2 | Under 10 loans | 0.0% |
| Tippecanoe County, IN | 2 | Under 10 loans | 0.0% |
| Tipton County, IN | 2 | Under 10 loans | 0.0% |
| Dallas County, IA | 2 | Under 10 loans | 0.0% |
| Bullitt County, KY | 2 | Under 10 loans | 0.0% |
| Oldham County, KY | 2 | Under 10 loans | 0.0% |
| Nash County, NC | 2 | Under 10 loans | 0.0% |
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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.