Centra Credit Union mortgage approval rate & lending review
Centra Credit Union decided 1,002 mortgage applications and funded 892 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Centra Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Centra Credit Union at a glance
Approval is 17.9 points above the 73.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 97% | 251 / 260 | 99% | $205K | 249 |
| Home improvement loans | 92% | 315 / 344 | 96% | $55K | 301 |
| Cash-out refinance | 80% | 113 / 141 | 99% | $135K | 112 |
| Refinance | 94% | 177 / 188 | 97% | $95K | 171 |
| Investment property purchase | 93% | 26 / 28 | 100% | $205K | 26 |
Centra Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 91% | $95K | 867 | 771 |
| Kentucky | 93% | $115K | 45 | 40 |
| New York | 97% | $75K | 39 | 37 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Centra Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Clark County, IN | Home improvement loans | 91% | 176 | 155 |
| Clark County, IN | Refinance | 94% | 109 | 103 |
| Clark County, IN | Mortgage lenders | 96% | 83 | 79 |
| Clark County, IN | Cash-out refinance | 84% | 58 | 48 |
| Johnson County, IN | Mortgage lenders | 96% | 47 | 45 |
| Marion County, IN | Home improvement loans | 88% | 52 | 41 |
| Johnson County, IN | Home improvement loans | 92% | 38 | 35 |
| Johnson County, IN | Cash-out refinance | 74% | 34 | 25 |
| Hamilton County, IN | Home improvement loans | 100% | 24 | 23 |
| Marion County, IN | Refinance | 91% | 23 | 20 |
| Johnson County, IN | Refinance | 95% | 21 | 17 |
The county markets where Centra Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Centra Credit Union
What is Centra Credit Union's mortgage approval rate?
Centra Credit Union approved 91.4% of the 1,002 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 17.9 points above the 73.5% national rate for the same mix of loan types.
How often do borrowers take the loan Centra Credit Union offers?
Borrowers accepted 97% of the loans Centra Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Centra Credit Union make?
The typical home improvement loan loan Centra Credit Union made was $55K; across all loan types its typical loan ran from $55K to $205K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Centra Credit Union lend?
Centra Credit Union decided applications in 20 of the states Fat Boy Data covers, most of them in Indiana, Kentucky and New York.
Can I apply to Centra Credit Union directly?
Yes. Centra Credit Union is a bank or credit union with 29 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Centra Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Centra Credit Union treats applications, then get a rate quote from the lender.