Interra Credit Union mortgage approval rate & lending review
Interra Credit Union decided 2,107 mortgage applications and funded 1,691 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Interra Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Interra Credit Union at a glance
Approval is 7.8 points above the 74.9% 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 | 88% | 563 / 642 | 97% | $215K | 546 |
| Home improvement loans | 75% | 529 / 702 | 96% | $55K | 509 |
| Cash-out refinance | 81% | 132 / 162 | 98% | $125K | 130 |
| Refinance | 84% | 420 / 498 | 97% | $65K | 409 |
| Investment property purchase | 94% | 59 / 63 | 100% | $175K | 59 |
Interra Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 83% | $65K | 2,082 | 1,671 |
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 Interra Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Elkhart County, IN | Mortgage lenders | 88% | 585 | 499 |
| Elkhart County, IN | Home improvement loans | 76% | 644 | 468 |
| Elkhart County, IN | Refinance | 85% | 464 | 382 |
| Elkhart County, IN | Cash-out refinance | 80% | 142 | 111 |
| Elkhart County, IN | Investment property purchase | 93% | 45 | 42 |
| St. Joseph County, IN | Home improvement loans | 70% | 47 | 33 |
| St. Joseph County, IN | Mortgage lenders | 84% | 32 | 27 |
| St. Joseph County, IN | Refinance | 76% | 29 | 22 |
The county markets where Interra Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Interra Credit Union
What is Interra Credit Union's mortgage approval rate?
Interra Credit Union approved 82.6% of the 2,107 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 7.8 points above the 74.9% national rate for the same mix of loan types.
How often do borrowers take the loan Interra Credit Union offers?
Borrowers accepted 97% of the loans Interra 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 Interra Credit Union make?
The typical home improvement loan loan Interra Credit Union made was $55K; across all loan types its typical loan ran from $55K to $215K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Interra Credit Union lend?
Interra Credit Union decided applications in 7 of the states Fat Boy Data covers, most of them in Indiana, Florida and Michigan.
Can I apply to Interra Credit Union directly?
Yes. Interra Credit Union is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Interra 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 Interra Credit Union treats applications, then get a rate quote from the lender.