# INTERRA CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/interra-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


INTERRA CREDIT UNION is a credit union, headquartered in GOSHEN, IN, serving borrowers across 5 states, with 381 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 52% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 34% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 5493004HIVU0YCM5QS92
- **Headquarters:** GOSHEN, IN
- **Geographic Reach:** Regional
- **States Served:** 5
- **State List:** FL, IN, KY, MI, TN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 48/100
- Rating: ●●●○○ (3/5)

### Pull Through: Strong 😀
- Score: 66/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.196%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $726
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 381
- **Dollar Volume:** $103 million
- **Applications Received:** 607
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $271,535
- **Average Borrower Income:** $108,451
- **Average Property Value:** $399,278

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (63%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 377 | +0.199% | $719 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 305 loans, Score: 70/100 (Strong)
- Refinance: 72 loans, Score: 68/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 308 | $88M | +0.214% | Strong 😀 |
| Refinance | 67/100 | 73 | $16M | +0.128% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 352 | 0.39% | 79/100 |
| MI | 10 | 0.01% | 39/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Elkhart | IN | 182 | 100/100 |
| Non |  | 170 | 64/100 |
| South Bend | IN-MI | 15 | 50/100 |

## Where This Lender Ranks

INTERRA CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Elkhart
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders)
- 🥉 **#3** in Elkhart Credit Unions
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Elkhart for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#5** in Elkhart for Conventional Loans
  - [View Full Rankings](https://saferate.com/elkhart/best-mortgage-lenders/conventional-loans)
- 🏆 **#8** in South Bend for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/south-bend/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#13** in Indiana for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#15** in Indiana Credit Unions
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does INTERRA CREDIT UNION offer?

INTERRA 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 INTERRA CREDIT UNION offer mortgages?

INTERRA CREDIT UNION offers mortgages in 5 states: FL, IN, KY, MI, TN.

### How competitive are INTERRA CREDIT UNION's mortgage rates?

INTERRA CREDIT UNION has a pricing score of 48/100 (Sound), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.196% above market average.

### What type of lender is INTERRA CREDIT UNION?

INTERRA CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in GOSHEN, IN.

### What is INTERRA CREDIT UNION's loan approval success rate?

INTERRA CREDIT UNION has a pull-through score of 66/100 (Strong). 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/interra-credit-union

### How to Cite

> "INTERRA CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/interra-credit-union

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