Centra Credit Union closing costs and rates (2024)
In 2024, Centra Credit Union originated 311 purchase mortgages at a median interest rate of 6.75% and median total closing costs of $2,525. That is $4,216 below the national median of $6,741. Centra Credit Union is most active in Indiana with 296 originations there.
Purchase Originations
311
Median Total Costs
$2,525
−62.5% vs national ($6,741)
Median Rate
6.750%
+2.0% vs national (6.620%)
Median Origination
$795
Median Lender Credits
$55
Breakdown by loan type
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 311 | 6.750% | $2,525 | $795 |
Active states
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Indiana | 296 | 6.750% | $2,509 | #57 |
| New York | 5 | 6.625% | $4,574 | — |
| Kentucky | 3 | 6.875% | $3,136 | — |
| Florida | 1 | 7.500% | $3,317 | — |
| Illinois | 1 | 6.875% | $5,273 | — |
| Michigan | 1 | 6.875% | $2,157 | — |
| North Carolina | 1 | 6.875% | $4,808 | — |
| Nebraska | 1 | 6.625% | $2,628 | — |
| Ohio | 1 | 6.875% | $4,757 | — |
| Pennsylvania | 1 | 6.375% | $4,420 | — |
Top counties by origination volume
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $2,188 | 6.562% | — | 2 | −$337 | |
| 2 | $2,192 | 6.875% | — | 5 | −$333 | |
| 3 | $2,367 | 6.625% | — | 21 | −$158 | |
| 4 | $2,395 | 7.000% | — | 11 | −$130 | |
| 5 | $2,415 | 6.875% | — | 4 | −$110 | |
| 6 | $2,436 | 6.500% | — | 5 | −$89 | |
| 7 | $2,437 | 6.750% | — | 8 | −$88 | |
| 8 | $2,459 | 6.625% | — | 9 | −$66 | |
| 9 | $2,482 | 6.750% | — | 11 | −$43 | |
| 10 | $2,486 | 7.000% | — | 16 | −$39 | |
| 11 | $2,534 | 6.375% | — | 5 | +$9 | |
| 12 | $2,536 | 6.875% | — | 44 | +$11 | |
| 13 | $2,539 | 6.750% | — | 15 | +$14 | |
| 14 | $2,546 | 6.750% | — | 98 | +$21 | |
| 15 | $2,580 | 6.875% | — | 3 | +$55 | |
| 16 | $2,652 | 7.125% | — | 8 | +$127 | |
| 17 | $2,820 | 6.875% | — | 13 | +$295 | |
| 18 | $2,888 | 6.750% | — | 4 | +$363 | |
| 19 | $2,956 | 7.188% | — | 2 | +$431 | |
| 20 | $4,574 | 6.625% | — | 5 | +$2,049 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2024. Sorted by median total loan costs.
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Data source: HMDA Modified Loan Application Register 2024, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.