Centra Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Centra Credit Union 2019 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 | 2,546 |
| Total Mortgage Loan Application Amount | $242,300,000 |
| Average Mortgage Loan Application Amount | $93,000 |
| Highest Mortgage Loan Application Amount | $1,585,000 |
| Average Applicant Income | $80,400 |
| Highest Applicant Income | $1,200,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 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 2019 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 2019.
| 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 | 720 | $ 77,440,000 | $ 107,000 | $ 86,000 |
| Clark County Indiana | 302 | $ 29,890,000 | $ 98,000 | $ 86,000 |
| Floyd County Indiana | 176 | $ 18,750,000 | $ 106,000 | $ 94,000 |
| Jennings County Indiana | 175 | $ 12,995,000 | $ 74,000 | $ 63,000 |
| Scott County Indiana | 171 | $ 12,295,000 | $ 71,000 | $ 70,000 |
| Jackson County Indiana | 165 | $ 12,965,000 | $ 78,000 | $ 68,000 |
| Shelby County Indiana | 110 | $ 8,300,000 | $ 75,000 | $ 73,000 |
| Decatur County Indiana | 95 | $ 6,605,000 | $ 69,000 | $ 59,000 |
| Marion County Indiana | 93 | $ 8,195,000 | $ 88,000 | $ 82,000 |
| Jefferson County Indiana | 91 | $ 8,315,000 | $ 91,000 | $ 69,000 |
| Washington County Indiana | 76 | $ 5,180,000 | $ 68,000 | $ 65,000 |
| Johnson County Indiana | 59 | $ 6,135,000 | $ 103,000 | $ 87,000 |
| Brown County Indiana | 57 | $ 6,075,000 | $ 106,000 | $ 75,000 |
| Harrison County Indiana | 42 | $ 3,620,000 | $ 86,000 | $ 82,000 |
| Hamilton County Indiana | 38 | $ 5,020,000 | $ 132,000 | $ 113,000 |
| Jefferson County Kentucky | 23 | $ 3,345,000 | $ 145,000 | $ 113,000 |
| Ripley County Indiana | 15 | $ 1,555,000 | $ 103,000 | $ 78,000 |
| Chautauqua County New York | 15 | $ 1,415,000 | $ 94,000 | $ 78,000 |
| Rush County Indiana | 14 | $ 1,060,000 | $ 75,000 | $ 110,000 |
| Hancock County Indiana | 8 | $ 880,000 | $ 110,000 | $ 82,000 |
| Warren County Pennsylvania | 7 | $ 335,000 | $ 47,000 | $ 64,000 |
| Boone County Indiana | 6 | $ 530,000 | $ 88,000 | $ 98,000 |
| Hendricks County Indiana | 6 | $ 1,640,000 | $ 273,000 | $ 65,000 |
| Franklin County Indiana | 5 | $ 385,000 | $ 77,000 | $ 50,000 |
| Monroe County Indiana | 5 | $ 785,000 | $ 157,000 | $ 61,000 |
| Crawford County Indiana | 4 | $ 190,000 | $ 47,000 | $ 48,000 |
| Oldham County Kentucky | 4 | $ 320,000 | $ 80,000 | $ 109,000 |
| Lawrence County Indiana | 3 | $ 135,000 | $ 45,000 | $ 60,000 |
| Carroll County Kentucky | 3 | $ 345,000 | $ 115,000 | $ 84,000 |
| Trimble County Kentucky | 3 | $ 185,000 | $ 61,000 | $ 33,000 |
| Cattaraugus County New York | 3 | $ 45,000 | $ 15,000 | $ 30,000 |
| Monroe County Florida | 2 | $ 1,110,000 | $ 555,000 | $ 250,000 |
| Grant County Indiana | 2 | $ 150,000 | $ 75,000 | $ 31,000 |
| Madison County Indiana | 2 | $ 80,000 | $ 40,000 | $ 38,000 |
| Switzerland County Indiana | 2 | $ 170,000 | $ 85,000 | $ 104,000 |
| Tipton County Indiana | 2 | $ 120,000 | $ 60,000 | $ 63,000 |
| Bullitt County Kentucky | 2 | $ 60,000 | $ 30,000 | $ 110,000 |
| Northampton County North Carolina | 2 | $ 170,000 | $ 85,000 | $ 24,000 |
| Allegheny County Pennsylvania | 2 | $ 210,000 | $ 105,000 | $ 105,000 |
| Erie County Pennsylvania | 2 | $ 50,000 | $ 25,000 | $ 48,000 |
| Hancock County Tennessee | 2 | $ 90,000 | $ 45,000 | $ 61,000 |
| Bay County Florida | 1 | $ 395,000 | $ 395,000 | $ 203,000 |
| Brevard County Florida | 1 | $ 215,000 | $ 215,000 | $ 47,000 |
| Escambia County Florida | 1 | $ 215,000 | $ 215,000 | $ 176,000 |
| Manatee County Florida | 1 | $ 145,000 | $ 145,000 | $ 68,000 |
| Palm Beach County Florida | 1 | $ 25,000 | $ 25,000 | $ 44,000 |
| Sarasota County Florida | 1 | $ 205,000 | $ 205,000 | $ 60,000 |
| Lowndes County Georgia | 1 | $ 145,000 | $ 145,000 | $ 110,000 |
| Delaware County Indiana | 1 | $ 85,000 | $ 85,000 | $ 0 |
| Dubois County Indiana | 1 | $ 75,000 | $ 75,000 | $ 50,000 |
| Montgomery County Indiana | 1 | $ 95,000 | $ 95,000 | $ 133,000 |
| Morgan County Indiana | 1 | $ 235,000 | $ 235,000 | $ 87,000 |
| Orange County Indiana | 1 | $ 145,000 | $ 145,000 | $ 74,000 |
| Perry County Indiana | 1 | $ 85,000 | $ 85,000 | $ 130,000 |
| Randolph County Indiana | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Tippecanoe County Indiana | 1 | $ 65,000 | $ 65,000 | $ 53,000 |
| Boone County Kentucky | 1 | $ 225,000 | $ 225,000 | $ 85,000 |
| Breckinridge County Kentucky | 1 | $ 125,000 | $ 125,000 | $ 31,000 |
| Spencer County Kentucky | 1 | $ 75,000 | $ 75,000 | $ 71,000 |
| Wayne County Kentucky | 1 | $ 35,000 | $ 35,000 | $ 42,000 |
| St. Louis City County Missouri | 1 | $ 35,000 | $ 35,000 | $ 95,000 |
| Monroe County New York | 1 | $ 45,000 | $ 45,000 | $ 100,000 |
| Saratoga County New York | 1 | $ 485,000 | $ 485,000 | $ 310,000 |
| Halifax County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 64,000 |
| Wake County North Carolina | 1 | $ 325,000 | $ 325,000 | $ 209,000 |
| Fayette County Ohio | 1 | $ 95,000 | $ 95,000 | $ 103,000 |
| Guernsey County Ohio | 1 | $ 15,000 | $ 15,000 | $ 61,000 |
| Dorchester County South Carolina | 1 | $ 5,000 | $ 5,000 | $ 51,000 |
| Blount County Tennessee | 1 | $ 245,000 | $ 245,000 | $ 98,000 |
| Davidson County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 150,000 |
| Shelby County Tennessee | 1 | $ 435,000 | $ 435,000 | $ 418,000 |
| Smith County Tennessee | 1 | $ 205,000 | $ 205,000 | $ 96,000 |
| Dane County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 59,000 |
Mortgage Loan Application Detail Totals for Centra Credit Union in 2019
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 | 674 | $95,480,000 | $141,000 | $1,215,000 | $76,000 | $500,000 |
| Refinancing | 504 | $50,410,000 | $100,000 | $1,055,000 | $76,000 | $510,000 |
| Home Improvement | 501 | $23,805,000 | $47,000 | $325,000 | $85,000 | $825,000 |
| Other Purpose | 495 | $26,325,000 | $53,000 | $805,000 | $81,000 | $749,000 |
| Cash-out Refinancing | 372 | $46,280,000 | $124,000 | $1,585,000 | $84,000 | $1,200,000 |
| 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 | 2,310 | $213,060,000 | $92,000 | $1,585,000 | $79,000 | $1,200,000 |
| Not Provided | 78 | $7,950,000 | $101,000 | $485,000 | $92,000 | $418,000 |
| Black or African American | 60 | $6,050,000 | $100,000 | $655,000 | $81,000 | $380,000 |
| Hispanic | 47 | $5,655,000 | $120,000 | $565,000 | $69,000 | $194,000 |
| Asian | 21 | $2,925,000 | $139,000 | $365,000 | $122,000 | $458,000 |
| Not applicable | 20 | $5,620,000 | $281,000 | $1,215,000 | $0 | $0 |
| American Indian or Alaskan Native | 5 | $495,000 | $99,000 | $265,000 | $64,000 | $172,000 |
| 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) | 2,546 | $242,300,000 | $95,000 | $1,585,000 | $80,000 | $1,200,000 |
| 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 | 1,813 | $178,895,000 | $98,000 | $1,585,000 | $82,000 | $825,000 |
| Application Denied By Financial Institution | 286 | $19,600,000 | $68,000 | $525,000 | $60,000 | $480,000 |
| Application Withdrawn By Applicant | 264 | $31,950,000 | $121,000 | $765,000 | $85,000 | $1,200,000 |
| Application Approved But Not Accepted | 153 | $10,335,000 | $67,000 | $435,000 | $79,000 | $672,000 |
| File Closed For Incompleteness | 30 | $1,520,000 | $50,000 | $265,000 | $98,000 | $749,000 |
| 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 | 2,260 | $222,700,000 | $98,000 | $1,585,000 | $82,000 | $1,200,000 |
| Credit History | 226 | $12,990,000 | $57,000 | $375,000 | $63,000 | $480,000 |
| Debt-To-Income Ratio | 38 | $4,570,000 | $120,000 | $525,000 | $46,000 | $129,000 |
| Collateral | 12 | $840,000 | $70,000 | $135,000 | $56,000 | $125,000 |
| Credit Application Incomplete | 2 | $80,000 | $40,000 | $45,000 | $59,000 | $61,000 |
| Employment History | 2 | $200,000 | $100,000 | $105,000 | $59,000 | $62,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $320,000 | $160,000 | $185,000 | $75,000 | $77,000 |
| Mortgage Insurance Denied | 2 | $310,000 | $155,000 | $185,000 | $82,000 | $93,000 |
| Other | 1 | $185,000 | $185,000 | $185,000 | $45,000 | $45,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $50,000 | $50,000 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Centra Credit Union's 2019 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.