# FAIRMONT

> **Canonical URL:** https://saferate.com/lenders/fairmont


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


FAIRMONT is a credit union, headquartered in Fairmont, WV, with 81 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 9% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 71% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300LY3BVZZOO7LW95
- **Headquarters:** Fairmont, WV
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** WV
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 91/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 29/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.760%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $766
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 81
- **Dollar Volume:** $14 million
- **Applications Received:** 138
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $170,185
- **Average Borrower Income:** $100,420
- **Average Property Value:** $236,605

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (65%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 44/100 | 81 | -0.760% | $766 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 58 loans, Score: 40/100 (Sound)
- Refinance: 23 loans, Score: 42/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 40/100 | 58 | $10M | -0.628% | Sound ☺️ |
| Refinance | 40/100 | 23 | $4M | -1.082% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| WV | 81 | 0.52% | 77/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 63 | 56/100 |
| Morgantown, WV | WV | 18 | 59/100 |

## Where This Lender Ranks

FAIRMONT appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#5** in West Virginia Credit Unions
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/credit-unions)
- 🏆 **#5** in West Virginia for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/west-virginia/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#17** in Morgantown, WV for Conventional Loans
  - [View Full Rankings](https://saferate.com/morgantown-wv/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does FAIRMONT offer?

FAIRMONT offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FAIRMONT offer mortgages?

FAIRMONT offers mortgages in 1 states: WV.

### How competitive are FAIRMONT's mortgage rates?

FAIRMONT has a pricing score of 91/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.760% below market average.

### What type of lender is FAIRMONT?

FAIRMONT is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Fairmont, WV.

### What is FAIRMONT's loan approval success rate?

FAIRMONT has a pull-through score of 29/100 (Acceptable). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/fairmont

### How to Cite

> "FAIRMONT Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fairmont

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**[View Interactive Profile →](https://saferate.com/lenders/fairmont)**