Applications / Mortgage Analytics / Lenders / Indiana / Centra Credit Union
Columbus, IN · Credit union · NCUA · $2.3 billion assets · 2,292 loans in 2025
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2,292
loans originated, 2025
3,115
applications, 2025
13
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Centra Credit Union is the largest lender in Columbus, Indiana, and lends to low- and moderate-income borrowers more than almost any similar credit union.
Similar lenders are credit unions making between half and twice as many loans. LMI (low- and moderate-income) borrowers took 43.3% of its loans against 27.2%, higher than nearly all similar lenders, and up from 34.1% five years before. Its share in LMI areas, 13.9% against 15.1%, was nearer the middle. Only 1.9% of loans were in majority-minority areas against 12.0%; its home market of Columbus and non-metro Indiana could account for much of that.
It ranks 1 of 174 in Columbus, where it has lent since 1998, and its share rose to 14.4% from 13.5%, ahead of German American Bank. In Louisville/Jefferson County its share rose to 0.7% from 0.5%.
Its typical rate of 5.62% against 7.00% was lower than about nineteen in twenty similar lenders. Purchase applications were turned down at 3.1% against 6.2% and refinance applications at 15.0% against 19.3%. Every loan was conventional, and other purposes made up 36.0% of its loans, refinances 25.7% and purchases 20.9%.
Originations rose 14% to 2,292, against 11% for similar lenders and 10% for the whole market. That is up from 1,511 in 2018 but still below the 2,433 of five years before.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Centra Credit Union took 3,115 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Other 36.0% · Refinance 25.7% · Purchase 20.9% · Home improvement 17.4%
Conventional 100.0% · of 2,292 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Indiana | 2,206 | 96.2% |
| Kentucky | 36 | 1.6% |
| New York | 22 | 1.0% |
| Florida | 8 | 0.3% |
| Pennsylvania | 6 | 0.3% |
| North Carolina | 4 | 0.2% |
| Alabama | 2 | 0.1% |
| Iowa | 2 | 0.1% |
| Michigan | 2 | 0.1% |
| Colorado | 1 | 0.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Louisville/Jefferson County | 555 |
| Columbus | 512 |
| Indianapolis-Carmel-Greenwood | 391 |
| Bloomington | 10 |
| Muncie | 6 |
| Terre Haute | 5 |
| Cincinnati | 4 |
| Fort Wayne | 4 |
| Columbus | 2 |
| Des Moines-West Des Moines | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493007LUU2DLS755O60 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 461674 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 568287 | 1998–2017 |
Established 1 January 1940. Reported under HMDA 1998-2025.
Mergers, name changes, data editions and corrections: Centra Credit Union's data.
Centra Credit Union's data
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Centra Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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