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Interra Credit Union

Credit Union•Goshen, INHQ•Direct•Reviews near you on Google

Interra Credit Union has 381 closed loans in our dataset — fully analyzed and benchmarked against peers across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Sound
3/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
Conventional
Place
Strong
4/5
Regional · 2 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Strong pull through performance

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Report Card

Interra Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Sound
+19.6 bps above market avg
3/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
377 loans · 0.20% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
308 loans · 0.21% above market
Strong
Top 40% of lenders
4/5
Refinance
73 loans · 0.13% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 3 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Sound
Pull Through
Strong
Volume377
Mix99.0%
Spread
+0.199%Above
Fees
$719Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Sound
Product
Strong
Pricing
Sound
Pull Through
Sound
Volume308
Mix80.8%
Spread
+0.214%Above
Fees
$674Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume73
Mix19.2%
Spread
+0.128%Above
Fees
$917Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
381
Applications
607
Volume
$103 million
Pricing & Closing
Avg Rate Spread
+0.196%
vs. market APOR
Avg Net Fees
$726
Origination − Credits
Pullthrough Rate
62.8%
Applications → Closed
Typical Borrower
Avg Loan Amount
$271,535
Avg Borrower Income
$108,451
Avg Property Value
$399,278

Geographic Coverage

Geographic Performance

Metro Areas
2
markets with activity
States Served
5
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

5Full-year 2024 · HMDA
5 states with loan originations
Loans originated
< 1010+None
Midwest2
INMI
South3
FLKYTN

Top Metro Areas by Place Specialization Score

1© OceanGunfish · CC BY 4.0
Elkhart, INMetro
Volume 182Mix 47.77% of portfolio
100/100
Exceptional
2© Paul Sableman from St. Louis, MO · CC BY 2.0
South Bend, IN-MIMetro
Volume 15Mix 3.94% of portfolio
50/100
Sound

Top States by Place Specialization Score

Indiana
Indiana
1
IndianaState
Volume 352Mix 92.39% of portfolio
79/100
Strong
Michigan
Michigan
2
MichiganState
Volume 10Mix 2.62% of portfolio
39/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.