Centra Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2018
Centra Credit Union 2018 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Centra Credit Union 3801 Tupelo Drive Columbus, IN 47202 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 2,092 |
| Total Mortgage Loan Application Amount | $187,950,000 |
| Average Mortgage Loan Application Amount | $88,200 |
| Highest Mortgage Loan Application Amount | $1,535,000 |
| Average Applicant Income | $78,200 |
| Highest Applicant Income | $1,032,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2018 with Centra Credit Union. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Centra Credit Union's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2018 breaks down Centra Credit Union's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Centra Credit Union serves its applicants.
Each category highlights the total number of mortgage applications processed by Centra Credit Union, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Centra Credit Union's mortgage activity for 2018.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Bartholomew County Indiana | 600 | $ 62,050,000 | $ 103,000 | $ 85,000 |
| Clark County Indiana | 250 | $ 21,180,000 | $ 84,000 | $ 80,000 |
| Jackson County Indiana | 186 | $ 13,170,000 | $ 70,000 | $ 63,000 |
| Jennings County Indiana | 143 | $ 10,295,000 | $ 71,000 | $ 72,000 |
| Scott County Indiana | 141 | $ 9,825,000 | $ 69,000 | $ 63,000 |
| Floyd County Indiana | 122 | $ 11,180,000 | $ 91,000 | $ 83,000 |
| Marion County Indiana | 76 | $ 6,730,000 | $ 88,000 | $ 81,000 |
| Jefferson County Indiana | 72 | $ 5,670,000 | $ 78,000 | $ 65,000 |
| Shelby County Indiana | 64 | $ 3,470,000 | $ 54,000 | $ 62,000 |
| Decatur County Indiana | 63 | $ 4,055,000 | $ 64,000 | $ 63,000 |
| Johnson County Indiana | 57 | $ 4,875,000 | $ 85,000 | $ 77,000 |
| Brown County Indiana | 51 | $ 5,805,000 | $ 113,000 | $ 96,000 |
| Washington County Indiana | 47 | $ 2,605,000 | $ 55,000 | $ 63,000 |
| Harrison County Indiana | 38 | $ 3,420,000 | $ 90,000 | $ 71,000 |
| Hamilton County Indiana | 27 | $ 6,715,000 | $ 248,000 | $ 131,000 |
| Jefferson County Kentucky | 19 | $ 2,005,000 | $ 105,000 | $ 108,000 |
| Chautauqua County New York | 12 | $ 840,000 | $ 70,000 | $ 65,000 |
| Hancock County Indiana | 9 | $ 945,000 | $ 105,000 | $ 66,000 |
| Hendricks County Indiana | 8 | $ 1,580,000 | $ 197,000 | $ 140,000 |
| Crawford County Indiana | 7 | $ 615,000 | $ 87,000 | $ 59,000 |
| Ripley County Indiana | 7 | $ 655,000 | $ 93,000 | $ 81,000 |
| Warren County Pennsylvania | 7 | $ 615,000 | $ 87,000 | $ 104,000 |
| Monroe County Indiana | 6 | $ 480,000 | $ 80,000 | $ 85,000 |
| Morgan County Indiana | 5 | $ 535,000 | $ 107,000 | $ 113,000 |
| Franklin County Indiana | 4 | $ 550,000 | $ 137,000 | $ 93,000 |
| Rush County Indiana | 4 | $ 200,000 | $ 50,000 | $ 60,000 |
| Oldham County Kentucky | 4 | $ 440,000 | $ 110,000 | $ 126,000 |
| Nash County North Carolina | 4 | $ 250,000 | $ 62,000 | $ 99,000 |
| Charlotte County Florida | 2 | $ 180,000 | $ 90,000 | $ 61,000 |
| Lake County Florida | 2 | $ 110,000 | $ 55,000 | $ 136,000 |
| Boone County Indiana | 2 | $ 560,000 | $ 280,000 | $ 379,000 |
| Fayette County Indiana | 2 | $ 320,000 | $ 160,000 | $ 164,000 |
| Lawrence County Indiana | 2 | $ 120,000 | $ 60,000 | $ 64,000 |
| Bullitt County Kentucky | 2 | $ 70,000 | $ 35,000 | $ 76,000 |
| Trimble County Kentucky | 2 | $ 110,000 | $ 55,000 | $ 53,000 |
| Cattaraugus County New York | 2 | $ 110,000 | $ 55,000 | $ 39,000 |
| Beaufort County South Carolina | 2 | $ 340,000 | $ 170,000 | $ 113,000 |
| Asotin County Washington | 2 | $ 170,000 | $ 85,000 | $ 57,000 |
| Alameda County California | 1 | $ 265,000 | $ 265,000 | $ 180,000 |
| Pasco County Florida | 1 | $ 55,000 | $ 55,000 | $ 137,000 |
| Jackson County Georgia | 1 | $ 155,000 | $ 155,000 | $ 116,000 |
| Bonneville County Idaho | 1 | $ 15,000 | $ 15,000 | $ 14,000 |
| Allen County Indiana | 1 | $ 165,000 | $ 165,000 | $ 0 |
| Delaware County Indiana | 1 | $ 105,000 | $ 105,000 | $ 90,000 |
| Dubois County Indiana | 1 | $ 65,000 | $ 65,000 | $ 83,000 |
| Henry County Indiana | 1 | $ 135,000 | $ 135,000 | $ 61,000 |
| Martin County Indiana | 1 | $ 245,000 | $ 245,000 | $ 260,000 |
| Ohio County Indiana | 1 | $ 25,000 | $ 25,000 | $ 118,000 |
| Putnam County Indiana | 1 | $ 55,000 | $ 55,000 | $ 68,000 |
| Switzerland County Indiana | 1 | $ 25,000 | $ 25,000 | $ 75,000 |
| Tippecanoe County Indiana | 1 | $ 65,000 | $ 65,000 | $ 122,000 |
| Vigo County Indiana | 1 | $ 95,000 | $ 95,000 | $ 91,000 |
| Wayne County Indiana | 1 | $ 15,000 | $ 15,000 | $ 29,000 |
| White County Indiana | 1 | $ 95,000 | $ 95,000 | $ 99,000 |
| Breckinridge County Kentucky | 1 | $ 135,000 | $ 135,000 | $ 101,000 |
| Campbell County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 49,000 |
| Floyd County Kentucky | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
| Grayson County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 70,000 |
| Hancock County Maine | 1 | $ 125,000 | $ 125,000 | $ 94,000 |
| Kent County Michigan | 1 | $ 185,000 | $ 185,000 | $ 144,000 |
| Oakland County Michigan | 1 | $ 255,000 | $ 255,000 | $ 121,000 |
| Oceana County Michigan | 1 | $ 145,000 | $ 145,000 | $ 169,000 |
| Pennington County Minnesota | 1 | $ 155,000 | $ 155,000 | $ 82,000 |
| Edgecombe County North Carolina | 1 | $ 35,000 | $ 35,000 | $ 31,000 |
| Seneca County Ohio | 1 | $ 35,000 | $ 35,000 | $ 22,000 |
| Multnomah County Oregon | 1 | $ 585,000 | $ 585,000 | $ 327,000 |
| Berks County Pennsylvania | 1 | $ 45,000 | $ 45,000 | $ 61,000 |
| Erie County Pennsylvania | 1 | $ 155,000 | $ 155,000 | $ 66,000 |
| Monroe County Pennsylvania | 1 | $ 355,000 | $ 355,000 | $ 117,000 |
| Lexington County South Carolina | 1 | $ 165,000 | $ 165,000 | $ 70,000 |
| Bedford County Tennessee | 1 | $ 195,000 | $ 195,000 | $ 72,000 |
| Knox County Tennessee | 1 | $ 235,000 | $ 235,000 | $ 95,000 |
| Tarrant County Texas | 1 | $ 25,000 | $ 25,000 | $ 195,000 |
Mortgage Loan Application Detail Totals for Centra Credit Union in 2018
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 598 | $87,420,000 | $146,000 | $1,535,000 | $82,000 | $503,000 |
| Home Improvement | 521 | $23,495,000 | $45,000 | $235,000 | $77,000 | $1,032,000 |
| Other Purpose | 389 | $20,265,000 | $52,000 | $505,000 | $75,000 | $672,000 |
| Refinancing | 385 | $35,605,000 | $92,000 | $1,035,000 | $79,000 | $606,000 |
| Cash-out Refinancing | 199 | $21,165,000 | $106,000 | $405,000 | $78,000 | $648,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 1,424 | $138,760,000 | $97,000 | $1,535,000 | $80,000 | $1,032,000 |
| Not Provided | 553 | $35,545,000 | $64,000 | $1,205,000 | $73,000 | $391,000 |
| Hispanic | 39 | $3,725,000 | $95,000 | $385,000 | $66,000 | $196,000 |
| Black or African American | 31 | $2,475,000 | $79,000 | $305,000 | $76,000 | $185,000 |
| Not applicable | 25 | $3,875,000 | $155,000 | $775,000 | $0 | $0 |
| Asian | 16 | $2,240,000 | $140,000 | $305,000 | $124,000 | $500,000 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 2,092 | $187,950,000 | $89,000 | $1,535,000 | $78,000 | $1,032,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 1,511 | $138,405,000 | $91,000 | $1,535,000 | $83,000 | $1,032,000 |
| Application Denied By Financial Institution | 246 | $16,200,000 | $65,000 | $485,000 | $55,000 | $269,000 |
| File Closed For Incompleteness | 122 | $12,020,000 | $98,000 | $1,205,000 | $72,000 | $391,000 |
| Application Withdrawn By Applicant | 118 | $15,700,000 | $133,000 | $585,000 | $85,000 | $327,000 |
| Application Approved But Not Accepted | 95 | $5,625,000 | $59,000 | $505,000 | $72,000 | $237,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 1,846 | $171,750,000 | $93,000 | $1,535,000 | $81,000 | $1,032,000 |
| Credit History | 187 | $9,055,000 | $48,000 | $225,000 | $56,000 | $269,000 |
| Debt-To-Income Ratio | 35 | $4,805,000 | $137,000 | $485,000 | $45,000 | $103,000 |
| Collateral | 13 | $1,155,000 | $88,000 | $275,000 | $68,000 | $136,000 |
| Credit Application Incomplete | 3 | $225,000 | $75,000 | $95,000 | $51,000 | $56,000 |
| Employment History | 3 | $285,000 | $95,000 | $135,000 | $31,000 | $43,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $365,000 | $121,000 | $245,000 | $71,000 | $134,000 |
| Other | 2 | $310,000 | $155,000 | $185,000 | $87,000 | $87,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Centra Credit Union's 2018 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Centra Credit Union's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Indiana, download the full spreadsheet
with aggregated HMDA statistics today.