# Centra Credit Union

> **Canonical URL:** https://saferate.com/lenders/centra-credit-union


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


Centra Credit Union is a credit union, headquartered in Columbus, IN, serving borrowers across 12 states, with 541 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 59% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 17% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493007LUU2DLS755O60
- **Headquarters:** Columbus, IN
- **Geographic Reach:** Multi-Region
- **States Served:** 12
- **State List:** FL, IL, IN, KY, MI, NC, NE, NJ, NY, OH, PA, VA
- **Markets (MSAs):** 4
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 41/100
- Rating: ●●●○○ (3/5)

### Pull Through: Exceptional 🤩
- Score: 83/100
- Rating: ●●●●● (5/5)

### Pricing Details
- **Average Rate Spread:** +0.316%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $985
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 541
- **Dollar Volume:** $100 million
- **Applications Received:** 738
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $184,630
- **Average Borrower Income:** $89,514
- **Average Property Value:** $263,688

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 76/100 | 537 | +0.321% | $990 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 313 loans, Score: 71/100 (Strong)
- Refinance: 224 loans, Score: 79/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 69/100 | 315 | $64M | +0.300% | Strong 😀 |
| Refinance | 78/100 | 226 | $35M | +0.339% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 513 | 0.56% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 213 | 66/100 |
| Columbus, IN | IN | 153 | 100/100 |
| Indianapolis | IN | 102 | 70/100 |
| Louisville/Jefferson County, KY | KY-IN | 58 | 66/100 |

## Where This Lender Ranks

Centra Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Columbus, IN
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders)
- 🥈 **#2** in Columbus, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/columbus-in/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Louisville/Jefferson County, KY for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Indianapolis for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Louisville/Jefferson County, KY Credit Unions
  - [View Full Rankings](https://saferate.com/louisvillejefferson-county-ky/best-mortgage-lenders/credit-unions)
- 🏆 **#6** in Indiana for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#6** in Indianapolis Credit Unions
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/credit-unions)
- 🏆 **#7** in Indiana Credit Unions
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions)
- 🏆 **#14** in Indiana
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Centra Credit Union offer?

Centra Credit Union offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Centra Credit Union offer mortgages?

Centra Credit Union offers mortgages in 12 states: FL, IL, IN, KY, MI, NC, NE, NJ, NY, OH, PA, VA.

### How competitive are Centra Credit Union's mortgage rates?

Centra Credit Union has a pricing score of 41/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.316% above market average.

### What type of lender is Centra Credit Union?

Centra Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Columbus, IN.

### What is Centra Credit Union's loan approval success rate?

Centra Credit Union has a pull-through score of 83/100 (Exceptional). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/centra-credit-union

### How to Cite

> "Centra Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/centra-credit-union

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