# FORT FINANCIAL Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/fort-financial-federal-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


FORT FINANCIAL Federal Credit Union is a credit union, headquartered in Fort Wayne, IN, serving borrowers across 7 states, with 126 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 40% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 70% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 54930027H7CJF9GCDZ36
- **Headquarters:** Fort Wayne, IN
- **Geographic Reach:** Multi-Region
- **States Served:** 7
- **State List:** IN, MI, MS, NC, OH, SC, TN
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Sound ☺️
- Score: 60/100
- Rating: ●●●○○ (3/5)

### Pull Through: Acceptable 🙂
- Score: 30/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.364%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,398
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 126
- **Dollar Volume:** $28 million
- **Applications Received:** 395
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $224,524
- **Average Borrower Income:** $97,230
- **Average Property Value:** $304,206

## Safe Rate Awards 🏆

- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 46/100 | 126 | +0.364% | $1,398 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 60 loans, Score: 36/100 (Acceptable)
- Refinance: 66 loans, Score: 62/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 36/100 | 60 | $16M | +0.306% | Acceptable 🙂 |
| Refinance | 60/100 | 66 | $12M | +0.420% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 103 | 0.11% | 68/100 |
| NC | 10 | 0.01% | 41/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fort Wayne, IN | IN | 73 | 72/100 |
| Non |  | 36 | 44/100 |

## Where This Lender Ranks

FORT FINANCIAL Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#7** in Fort Wayne, IN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Fort Wayne, IN Credit Unions
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/credit-unions)

## Frequently Asked Questions

### What loan types does FORT FINANCIAL Federal Credit Union offer?

FORT FINANCIAL Federal 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 FORT FINANCIAL Federal Credit Union offer mortgages?

FORT FINANCIAL Federal Credit Union offers mortgages in 7 states: IN, MI, MS, NC, OH, SC, TN.

### How competitive are FORT FINANCIAL Federal Credit Union's mortgage rates?

FORT FINANCIAL Federal Credit Union has a pricing score of 60/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.364% above market average.

### What type of lender is FORT FINANCIAL Federal Credit Union?

FORT FINANCIAL Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Fort Wayne, IN.

### What is FORT FINANCIAL Federal Credit Union's loan approval success rate?

FORT FINANCIAL Federal Credit Union has a pull-through score of 30/100 (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/fort-financial-federal-credit-union

### How to Cite

> "FORT FINANCIAL Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fort-financial-federal-credit-union

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