Applications / Mortgage Analytics / Lenders / Indiana / Interra Credit Union
Goshen, IN · Credit union · STATE · $2.0 billion assets · 993 loans in 2025
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993
loans originated, 2025
1,548
applications, 2025
3
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Interra Credit Union is the largest mortgage lender in Elkhart-Goshen, IN, ranking 1 of 201, with a lending mix spread across purchase, refinance and home-improvement loans.
It ranked 1 of 201 lenders in Elkhart-Goshen, where it has reported since 1991, ahead of Cardinal Financial Company, Ruoff Mortgage Company and Lake City Bank. Its share fell from 11.5% to 9.0%. Its originations fell 18% while the whole market grew 10%, which could account for the change.
It made 993 loans, against 1,215 the year before and 1,674 five years before. The fall of 18% was larger than at about nineteen in twenty similar lenders (credit unions making between half and twice as many loans), whose originations rose 9%. Its 2024 total had itself risen from 1,081 in 2023, so 2025 may partly be a return toward that level.
Purchase and refinance loans were each 29.0% of its lending, home improvement 26.8% and other purposes 15.2%. Manufactured homes were 5.5% of its loans, against 0.3% at similar lenders, higher than at about nine in ten of them. Every loan was conventional.
LMI (low- and moderate-income) areas took 5.6% of its loans, against 15.1% at similar lenders, among the lowest. Its lending centres on Elkhart-Goshen and non-metro Indiana, and the make-up of those places is one possible reason. LMI borrowers took 30.8%, against 27.7%.
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Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Interra Credit Union took 1,548 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 29.0% · Refinance 29.0% · Home improvement 26.8% · Other 15.2%
Conventional 100.0% · of 993 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 | 950 | 95.7% |
| Michigan | 38 | 3.8% |
| Florida | 2 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Elkhart-Goshen | 572 |
| South Bend-Mishawaka | 68 |
| Fort Wayne | 4 |
| Indianapolis-Carmel-Greenwood | 2 |
| Traverse City | 2 |
| Battle Creek | 1 |
| Crestview-Fort Walton Beach-Destin | 1 |
| North Port-Bradenton-Sarasota | 1 |
| Warren-Troy-Farmington Hills | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 5493004HIVU0YCM5QS92 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 923190 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 582794 | 1992–2017 |
Established 1 January 1932. Reported under HMDA 1992-2025.
Mergers, name changes, data editions and corrections: Interra Credit Union's data.
Interra Credit Union's data
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