INTERRA CREDIT UNION
INTERRA CREDIT UNION received 1,525 applications in 2025 and made 990 mortgages, in 32 counties across 3 states. The median rate its borrowers got was 7.500% on a median loan of $105,000. Of 1,307 decisions, 296 were denials — 22.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 5493004HIVU0YCM5QS92 |
|---|---|
| Applications received | 1,525 |
| Mortgages made | 990 |
| Denied | 296 |
| Approved, not taken up | 21 |
| Withdrawn or incomplete | 218 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.26 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 | 286 | 6.875% | $235,000 | 14.8% |
| Refinancing | 250 | 7.500% | $95,000 | 17.9% |
| Cash-out refinancing | 38 | 6.813% | $125,000 | 45.1% |
| Other purposes | 416 | 7.500% | $65,000 | 27.1% |
Where INTERRA CREDIT UNION lends most
The 32 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Elkhart County, IN | 572 | 7.500% | 21.6% |
| LaGrange County, IN | 128 | 7.313% | 21.7% |
| Kosciusko County, IN | 82 | 7.500% | 25.0% |
| St. Joseph County, IN | 55 | 7.500% | 17.9% |
| Noble County, IN | 50 | 7.500% | 32.9% |
| Marshall County, IN | 39 | 7.500% | 26.4% |
| St. Joseph County, MI | 19 | 7.500% | 20.8% |
| Cass County, MI | 13 | 6.750% | 22.2% |
| Steuben County, IN | 6 | Under 10 loans | 25.0% |
| Allen County, IN | 3 | Under 10 loans | 0.0% |
| Starke County, IN | 3 | Under 10 loans | 25.0% |
| DeKalb County, IN | 2 | Under 10 loans | 60.0% |
| Hamilton County, IN | 2 | Under 10 loans | 0.0% |
| Huntington County, IN | 2 | Under 10 loans | 0.0% |
| Benzie County, MI | 2 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Walton County, FL | 1 | Under 10 loans | 0.0% |
| Cass County, IN | 1 | Under 10 loans | 0.0% |
| Fulton County, IN | 1 | Under 10 loans | 66.7% |
| Grant County, IN | 1 | Under 10 loans | 0.0% |
| Miami County, IN | 1 | Under 10 loans | 0.0% |
| Wabash County, IN | 1 | Under 10 loans | 0.0% |
| Whitley County, IN | 1 | Under 10 loans | 50.0% |
| Calhoun County, MI | 1 | Under 10 loans | 0.0% |
| Macomb County, MI | 1 | Under 10 loans | 0.0% |
| Oceana County, MI | 1 | Under 10 loans | 0.0% |
| Wexford County, MI | 1 | Under 10 loans | 0.0% |
| Marion County, IN | 0 | Under 10 loans | 100.0% |
| Pulaski County, IN | 0 | Under 10 loans | 100.0% |
| Shelby County, IN | 0 | Under 10 loans | Not published |
| Berrien County, MI | 0 | Under 10 loans | Not published |
| Branch County, MI | 0 | Under 10 loans | 0.0% |
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When INTERRA 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.