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Unclaimed

Interra Credit Union

Credit Union•GOSHEN, IN•Direct to Consumer

Interra Credit Union has 381 closed loans in our dataset — fully analyzed and benchmarked against peers across the 4 Ps of Mortgage Shopping.

Pricing
Sound
vs. all lenders
Pull Through
Strong
closing strength
Products
Strong
Conventional
Place
Strong
Regional · 2 mkts
Safe Rate Awards⭐Conventional Superstar⭐Refinance Superstar

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Safe Rate's Summary

What They Do Well

  • Strong pull through performance

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Report Card

Interra Credit Union performance at a glance

CategoryScorevs. Peers
Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
Industry Standard
+19.6 bps above market avg
Pull Through
Closing strength
Strong
Highly Competitive
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Highly Competitive
Top 40% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Highly Competitive
Top 40% of lenders
Refinance
Strong
Highly Competitive
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Coverage footprint
Strong
Highly Competitive
Top 40% of lenders
Regional3 markets

Loan Product Performance

Performance by Loan Product

Loan TypeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Conventional
Strong
Strong
Sound
Strong
37799.0%
+0.199%Above
$719Fees

Loan Purpose Performance

Performance by Loan Purpose

PurposeOverall
ProductPricingPull ThroughVolumeMixSpread
Fees
Purchase
Sound
Strong
Sound
Sound
30880.8%
+0.214%Above
$674Fees
Refinance
Strong
Strong
Strong
Strong
7319.2%
+0.128%Above
$917Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
381
Applications
607
Volume
$103 million
Pricing & Closing
Avg Rate Spread
+0.196%
vs. market APOR
Avg Net Fees
$726
Origination − Credits
Pullthrough Rate
62.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$271,535
Avg Borrower Income
$108,451
Avg Property Value
$399,278

Geographic Coverage

Geographic Performance

Metro Areas
2
States Served
5
We count Washington DC as a state
Avg Place Specialization
Strong

States with Loan Originations

FLINKYMITN

Top Metro Areas by Place Specialization Score

1
Elkhart, INMSA
Volume: 182Mix: 47.77%of portfolio
Place
Exceptional
2
South Bend, IN-MIMSA
Volume: 15Mix: 3.94%of portfolio
Place
Sound

Top States by Place Specialization Score

1
INState
Volume: 352Mix: 92.39%of portfolio
Place
Strong
2
MIState
Volume: 10Mix: 2.62%of portfolio
Place
Acceptable

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.