Centra Credit Union
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Centra Credit Union 2020 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 | 3,393 |
| Total Mortgage Loan Application Amount | $414,955,000 |
| Average Mortgage Loan Application Amount | $111,600 |
| Highest Mortgage Loan Application Amount | $4,005,000 |
| Average Applicant Income | $88,800 |
| Highest Applicant Income | $2,047,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 993 | $ 137,955,000 | $ 138,000 | $ 92,000 |
| Clark County Indiana | 396 | $ 47,070,000 | $ 118,000 | $ 99,000 |
| Jackson County Indiana | 277 | $ 28,265,000 | $ 102,000 | $ 74,000 |
| Floyd County Indiana | 218 | $ 25,830,000 | $ 118,000 | $ 102,000 |
| Jennings County Indiana | 209 | $ 17,895,000 | $ 85,000 | $ 69,000 |
| Scott County Indiana | 165 | $ 14,895,000 | $ 90,000 | $ 74,000 |
| Shelby County Indiana | 144 | $ 13,540,000 | $ 94,000 | $ 77,000 |
| Marion County Indiana | 118 | $ 13,590,000 | $ 115,000 | $ 94,000 |
| Brown County Indiana | 109 | $ 13,915,000 | $ 127,000 | $ 80,000 |
| Johnson County Indiana | 103 | $ 12,085,000 | $ 117,000 | $ 102,000 |
| Jefferson County Indiana | 98 | $ 9,360,000 | $ 95,000 | $ 81,000 |
| Decatur County Indiana | 93 | $ 7,105,000 | $ 76,000 | $ 64,000 |
| Washington County Indiana | 65 | $ 6,495,000 | $ 99,000 | $ 69,000 |
| Harrison County Indiana | 54 | $ 6,140,000 | $ 113,000 | $ 90,000 |
| Hamilton County Indiana | 52 | $ 11,420,000 | $ 219,000 | $ 164,000 |
| Jefferson County Kentucky | 37 | $ 6,165,000 | $ 166,000 | $ 160,000 |
| Chautauqua County New York | 25 | $ 2,075,000 | $ 83,000 | $ 79,000 |
| Monroe County Indiana | 21 | $ 2,745,000 | $ 130,000 | $ 80,000 |
| Rush County Indiana | 18 | $ 1,150,000 | $ 63,000 | $ 60,000 |
| Hendricks County Indiana | 16 | $ 2,960,000 | $ 185,000 | $ 99,000 |
| Boone County Indiana | 14 | $ 2,560,000 | $ 182,000 | $ 157,000 |
| Hancock County Indiana | 9 | $ 1,115,000 | $ 123,000 | $ 102,000 |
| Ripley County Indiana | 8 | $ 670,000 | $ 83,000 | $ 53,000 |
| Morgan County Indiana | 7 | $ 4,625,000 | $ 660,000 | $ 69,000 |
| Crawford County Indiana | 6 | $ 460,000 | $ 76,000 | $ 77,000 |
| Tippecanoe County Indiana | 6 | $ 610,000 | $ 101,000 | $ 143,000 |
| Trimble County Kentucky | 6 | $ 670,000 | $ 111,000 | $ 82,000 |
| Warren County Pennsylvania | 6 | $ 350,000 | $ 58,000 | $ 72,000 |
| Franklin County Indiana | 5 | $ 345,000 | $ 69,000 | $ 46,000 |
| Henry County Indiana | 5 | $ 315,000 | $ 63,000 | $ 42,000 |
| Lawrence County Indiana | 5 | $ 785,000 | $ 157,000 | $ 177,000 |
| Madison County Indiana | 5 | $ 445,000 | $ 89,000 | $ 54,000 |
| Cook County Illinois | 4 | $ 1,430,000 | $ 357,000 | $ 204,000 |
| Orange County Indiana | 4 | $ 480,000 | $ 120,000 | $ 67,000 |
| Oldham County Kentucky | 4 | $ 1,290,000 | $ 322,000 | $ 211,000 |
| Nash County North Carolina | 4 | $ 520,000 | $ 130,000 | $ 102,000 |
| Hamilton County Ohio | 4 | $ 490,000 | $ 122,000 | $ 99,000 |
| Pinellas County Florida | 3 | $ 375,000 | $ 125,000 | $ 80,000 |
| Switzerland County Indiana | 3 | $ 355,000 | $ 118,000 | $ 80,000 |
| Breckinridge County Kentucky | 3 | $ 365,000 | $ 121,000 | $ 89,000 |
| Lee County Florida | 2 | $ 750,000 | $ 375,000 | $ 81,000 |
| Manatee County Florida | 2 | $ 620,000 | $ 310,000 | $ 189,000 |
| Allen County Indiana | 2 | $ 280,000 | $ 140,000 | $ 59,000 |
| Cass County Indiana | 2 | $ 110,000 | $ 55,000 | $ 29,000 |
| Delaware County Indiana | 2 | $ 110,000 | $ 55,000 | $ 59,000 |
| Howard County Indiana | 2 | $ 4,120,000 | $ 2,060,000 | $ 67,000 |
| Owen County Indiana | 2 | $ 100,000 | $ 50,000 | $ 43,000 |
| Putnam County Indiana | 2 | $ 420,000 | $ 210,000 | $ 87,000 |
| St. Joseph County Indiana | 2 | $ 220,000 | $ 110,000 | $ 75,000 |
| Bullitt County Kentucky | 2 | $ 200,000 | $ 100,000 | $ 190,000 |
| Mecklenburg County North Carolina | 2 | $ 540,000 | $ 270,000 | $ 115,000 |
| Wood County Ohio | 2 | $ 110,000 | $ 55,000 | $ 91,000 |
| Robertson County Tennessee | 2 | $ 520,000 | $ 260,000 | $ 206,000 |
| Shelby County Tennessee | 2 | $ 200,000 | $ 100,000 | $ 113,000 |
| Colbert County Alabama | 1 | $ 205,000 | $ 205,000 | $ 100,000 |
| Madison County Alabama | 1 | $ 25,000 | $ 25,000 | $ 34,000 |
| Maricopa County Arizona | 1 | $ 245,000 | $ 245,000 | $ 133,000 |
| Saline County Arkansas | 1 | $ 145,000 | $ 145,000 | $ 67,000 |
| Broomfield County Colorado | 1 | $ 515,000 | $ 515,000 | $ 513,000 |
| Denver County Colorado | 1 | $ 85,000 | $ 85,000 | $ 233,000 |
| Bay County Florida | 1 | $ 205,000 | $ 205,000 | $ 114,000 |
| Marion County Florida | 1 | $ 215,000 | $ 215,000 | $ 91,000 |
| Okaloosa County Florida | 1 | $ 505,000 | $ 505,000 | $ 0 |
| Pasco County Florida | 1 | $ 325,000 | $ 325,000 | $ 98,000 |
| Sumter County Florida | 1 | $ 345,000 | $ 345,000 | $ 207,000 |
| Gwinnett County Georgia | 1 | $ 275,000 | $ 275,000 | $ 115,000 |
| Clay County Indiana | 1 | $ 175,000 | $ 175,000 | $ 115,000 |
| Clinton County Indiana | 1 | $ 135,000 | $ 135,000 | $ 87,000 |
| Fayette County Indiana | 1 | $ 5,000 | $ 5,000 | $ 60,000 |
| Fulton County Indiana | 1 | $ 65,000 | $ 65,000 | $ 114,000 |
| Kosciusko County Indiana | 1 | $ 85,000 | $ 85,000 | $ 39,000 |
| Randolph County Indiana | 1 | $ 25,000 | $ 25,000 | $ 98,000 |
| Vigo County Indiana | 1 | $ 75,000 | $ 75,000 | $ 42,000 |
| Wayne County Indiana | 1 | $ 155,000 | $ 155,000 | $ 49,000 |
| Johnson County Kansas | 1 | $ 245,000 | $ 245,000 | $ 162,000 |
| Adair County Kentucky | 1 | $ 65,000 | $ 65,000 | $ 107,000 |
| Anderson County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 88,000 |
| Barren County Kentucky | 1 | $ 55,000 | $ 55,000 | $ 13,000 |
| Boone County Kentucky | 1 | $ 275,000 | $ 275,000 | $ 158,000 |
| Carroll County Kentucky | 1 | $ 165,000 | $ 165,000 | $ 31,000 |
| Daviess County Kentucky | 1 | $ 175,000 | $ 175,000 | $ 104,000 |
| Harrison County Kentucky | 1 | $ 95,000 | $ 95,000 | $ 27,000 |
| Nelson County Kentucky | 1 | $ 155,000 | $ 155,000 | $ 141,000 |
| Macomb County Michigan | 1 | $ 25,000 | $ 25,000 | $ 144,000 |
| Oakland County Michigan | 1 | $ 225,000 | $ 225,000 | $ 105,000 |
| Oceana County Michigan | 1 | $ 145,000 | $ 145,000 | $ 83,000 |
| Washington County Minnesota | 1 | $ 415,000 | $ 415,000 | $ 353,000 |
| Catawba County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 94,000 |
| Edgecombe County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 86,000 |
| Onslow County North Carolina | 1 | $ 75,000 | $ 75,000 | $ 0 |
| Cuyahoga County Ohio | 1 | $ 95,000 | $ 95,000 | $ 175,000 |
| Geauga County Ohio | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Seneca County Ohio | 1 | $ 15,000 | $ 15,000 | $ 55,000 |
| Beaufort County South Carolina | 1 | $ 105,000 | $ 105,000 | $ 153,000 |
| Davidson County Tennessee | 1 | $ 345,000 | $ 345,000 | $ 155,000 |
| Sevier County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 128,000 |
| Fairfax County Virginia | 1 | $ 385,000 | $ 385,000 | $ 139,000 |
Mortgage Loan Application Detail Totals for Centra Credit Union in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,034 | $160,650,000 | $155,000 | $4,005,000 | $98,000 | $2,047,000 |
| Cash-out Refinancing | 718 | $104,720,000 | $145,000 | $765,000 | $88,000 | $636,000 |
| Home Purchase | 624 | $94,870,000 | $152,000 | $645,000 | $76,000 | $621,000 |
| Other Purpose | 547 | $31,405,000 | $57,000 | $445,000 | $92,000 | $1,044,000 |
| Home Improvement | 470 | $23,310,000 | $49,000 | $405,000 | $90,000 | $1,176,000 |
| 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 | 2,980 | $344,300,000 | $115,000 | $1,555,000 | $88,000 | $2,047,000 |
| Not Provided | 223 | $34,815,000 | $156,000 | $645,000 | $108,000 | $1,019,000 |
| Black or African American | 73 | $8,525,000 | $116,000 | $645,000 | $83,000 | $323,000 |
| Hispanic | 57 | $8,775,000 | $153,000 | $555,000 | $94,000 | $353,000 |
| Asian | 32 | $6,420,000 | $200,000 | $805,000 | $119,000 | $500,000 |
| Not applicable | 16 | $10,300,000 | $643,000 | $4,005,000 | $0 | $0 |
| American Indian or Alaskan Native | 6 | $410,000 | $68,000 | $175,000 | $72,000 | $132,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $135,000 | $135,000 | $135,000 | $76,000 | $76,000 |
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) | 3,393 | $414,955,000 | $122,000 | $4,005,000 | $90,000 | $2,047,000 |
| 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 | 2,433 | $296,875,000 | $122,000 | $4,005,000 | $90,000 | $840,000 |
| Application Withdrawn By Applicant | 575 | $87,495,000 | $152,000 | $1,555,000 | $97,000 | $2,047,000 |
| Application Denied By Financial Institution | 212 | $19,060,000 | $89,000 | $365,000 | $71,000 | $1,176,000 |
| Application Approved But Not Accepted | 170 | $11,020,000 | $64,000 | $535,000 | $80,000 | $260,000 |
| File Closed For Incompleteness | 3 | $505,000 | $168,000 | $295,000 | $133,000 | $152,000 |
| 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 | 3,181 | $395,895,000 | $124,000 | $4,005,000 | $91,000 | $2,047,000 |
| Credit History | 118 | $9,620,000 | $81,000 | $365,000 | $86,000 | $1,176,000 |
| Debt-To-Income Ratio | 64 | $6,570,000 | $102,000 | $305,000 | $47,000 | $181,000 |
| Collateral | 23 | $1,825,000 | $79,000 | $295,000 | $66,000 | $134,000 |
| Other | 3 | $475,000 | $158,000 | $305,000 | $67,000 | $109,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $340,000 | $170,000 | $195,000 | $56,000 | $78,000 |
| Unverifiable Information | 1 | $125,000 | $125,000 | $125,000 | $80,000 | $80,000 |
| Employment History | 1 | $105,000 | $105,000 | $105,000 | $40,000 | $40,000 |
| Credit Application Incomplete | 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 2020 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.