Lender profile · HMDA 2023–2025
Centra Credit Union mortgage approval rates & lending data
Centra Credit Union decided 1,002 mortgage applications and funded 892 loans across the 616 counties Fat Boy Data covers, 2023–2025.
Approval 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 |
| Florida | 83% | $265K | 18 | 14 |
| Arizona | 100% | $205K | 4 | 4 |
| Illinois | 75% | $85K | 4 | 3 |
| Michigan | 100% | $165K | 4 | 4 |
| Ohio | 100% | $45K | 4 | 4 |
| Pennsylvania | 100% | $35K | 3 | 3 |
| Alabama | 50% | $105K | 2 | 1 |
| Virginia | 100% | $105K | 2 | 2 |
| Wisconsin | 100% | $115K | 2 | 2 |
| Arkansas | 100% | $65K | 1 | 1 |
| Colorado | 100% | $545K | 1 | 1 |
| Iowa | 100% | $585K | 1 | 1 |
Covers the 616 counties in the Fat Boy Data footprint, which is 79.6% of the US population — not every county in each state. Methodology.