# Fortress Bank

> **Canonical URL:** https://saferate.com/lenders/fortress-bank


> **📋 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


Fortress Bank is a bank, headquartered in Peoria, IL, serving borrowers across 19 states, with 583 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 35% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 24% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 5493003EAJYUK1F8B139
- **Headquarters:** Peoria, IL
- **Geographic Reach:** Multi-Region
- **States Served:** 19
- **State List:** AZ, CA, FL, IA, IL, KS, KY, MN, MO, MT, NC, NE, NJ, NV, OH, PA, TN, TX, WI
- **Markets (MSAs):** 5
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 65/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.249%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,361
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 583
- **Dollar Volume:** $133 million
- **Applications Received:** 695
- **Market Share:** 2.00%

## Typical Borrower Profile

- **Average Loan Amount:** $227,521
- **Average Borrower Income:** $104,441
- **Average Property Value:** $275,103

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **FHA Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (64%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 64/100 | 412 | +0.132% | $1,313 | Strong 😀 |
| FHA | 73/100 | 146 | +0.701% | $1,506 | Strong 😀 |
| VA | 60/100 | 17 | -0.176% | $1,628 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 376 loans, Score: 64/100 (Strong)
- Refinance: 36 loans, Score: 48/100 (Sound)

**FHA:**
- Purchase: 143 loans, Score: 73/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 544 | $125M | +0.262% | Strong 😀 |
| Refinance | 48/100 | 39 | $8M | +0.083% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IA | 452 | 1.28% | 81/100 |
| IL | 104 | 0.08% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Des Moines | IA | 362 | 89/100 |
| Non |  | 101 | 54/100 |
| Peoria, IL | IL | 51 | 64/100 |
| Davenport | IA-IL | 30 | 58/100 |
| Ames, IA | IA | 10 | 43/100 |

## Where This Lender Ranks

Fortress Bank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Des Moines Banks
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/banks)
- 🥈 **#2** in Des Moines for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Iowa for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/fha-loans)
- 🥉 **#3** in Peoria, IL for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#4** in Iowa for USDA Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/usda-loans)
- 🏆 **#4** in Des Moines for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Des Moines for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/banks/va-loans)
- 🏆 **#4** in Davenport for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#4** in Davenport for FHA Loans (Banks)
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/banks/fha-loans)
- 🏆 **#5** in Des Moines for FHA Loans
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders/fha-loans)
- 🏆 **#5** in Peoria, IL Banks
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/banks)
- 🏆 **#5** in Peoria, IL for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#5** in Davenport Banks
  - [View Full Rankings](https://saferate.com/davenport/best-mortgage-lenders/banks)
- 🏆 **#6** in Iowa Banks
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks)
- 🏆 **#6** in Des Moines
  - [View Full Rankings](https://saferate.com/des-moines/best-mortgage-lenders)
- 🏆 **#6** in Ames, IA for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/ames-ia/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#7** in Iowa for VA Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/va-loans)
- 🏆 **#7** in Peoria, IL for FHA Loans
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders/fha-loans)
- 🏆 **#8** in Iowa for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/iowa/best-mortgage-lenders/banks/conventional-loans)
- 🏆 **#8** in Peoria, IL
  - [View Full Rankings](https://saferate.com/peoria-il/best-mortgage-lenders)

## Frequently Asked Questions

### What loan types does Fortress Bank offer?

Fortress Bank offers the following mortgage loan types: FHA, Conventional, VA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Fortress Bank offer mortgages?

Fortress Bank offers mortgages in 19 states: AZ, CA, FL, IA, IL, KS, KY, MN, MO, MT, NC, NE, NJ, NV, OH, PA, TN, TX, WI.

### How competitive are Fortress Bank's mortgage rates?

Fortress Bank has a pricing score of 65/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.249% above market average.

### What type of lender is Fortress Bank?

Fortress Bank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Peoria, IL.

### What is Fortress Bank's loan approval success rate?

Fortress Bank has a pull-through score of 76/100 (Strong). 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/fortress-bank

### How to Cite

> "Fortress Bank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fortress-bank

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