# FINANCIAL CENTER FIRST CREDIT UNION

> **Canonical URL:** https://saferate.com/lenders/financial-center-first-credit-union


> **📋 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


FINANCIAL CENTER FIRST CREDIT UNION is a credit union, headquartered in Indianapolis, IN, with 83 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 20% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 63% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300GYDLDVRYKJ3N02
- **Headquarters:** Indianapolis, IN
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** IN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 80/100
- Rating: ●●●●● (5/5)

### Pull Through: Acceptable 🙂
- Score: 37/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** -0.342%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $16
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 83
- **Dollar Volume:** $13 million
- **Applications Received:** 124
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $151,747
- **Average Borrower Income:** $115,795
- **Average Property Value:** $320,301

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 41/100 | 81 | -0.342% | $16 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 29 loans, Score: 21/100 (Acceptable)
- Refinance: 52 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 23/100 | 30 | $6M | -0.433% | Acceptable 🙂 |
| Refinance | 60/100 | 53 | $6M | -0.308% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 83 | 0.09% | 67/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Indianapolis | IN | 55 | 67/100 |
| Muncie, IN | IN | 13 | 53/100 |

## Where This Lender Ranks

FINANCIAL CENTER FIRST CREDIT UNION appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Muncie, IN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#17** in Muncie, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does FINANCIAL CENTER FIRST CREDIT UNION offer?

FINANCIAL CENTER FIRST CREDIT UNION offers the following mortgage loan types: Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does FINANCIAL CENTER FIRST CREDIT UNION offer mortgages?

FINANCIAL CENTER FIRST CREDIT UNION offers mortgages in 1 states: IN.

### How competitive are FINANCIAL CENTER FIRST CREDIT UNION's mortgage rates?

FINANCIAL CENTER FIRST CREDIT UNION has a pricing score of 80/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.342% below market average.

### What type of lender is FINANCIAL CENTER FIRST CREDIT UNION?

FINANCIAL CENTER FIRST CREDIT UNION is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Indianapolis, IN.

### What is FINANCIAL CENTER FIRST CREDIT UNION's loan approval success rate?

FINANCIAL CENTER FIRST CREDIT UNION has a pull-through score of 37/100 (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/financial-center-first-credit-union

### How to Cite

> "FINANCIAL CENTER FIRST CREDIT UNION Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/financial-center-first-credit-union

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