# FORUM

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


> **📋 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


FORUM is a credit union, headquartered in Fishers, IN, with 469 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 24% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 46% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300S4PNXPKYHHRE82
- **Headquarters:** Fishers, IN
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** IN
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

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

### Pull Through: Sound ☺️
- Score: 54/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.052%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $1,106
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 469
- **Dollar Volume:** $138 million
- **Applications Received:** 715
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $294,083
- **Average Borrower Income:** $139,023
- **Average Property Value:** $393,977

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 60/100 | 447 | +0.037% | $1,167 | Sound ☺️ |
| FHA | 51/100 | 14 | +0.371% | $914 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 377 loans, Score: 59/100 (Sound)
- Refinance: 70 loans, Score: 58/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 58/100 | 397 | $119M | +0.073% | Sound ☺️ |
| Refinance | 55/100 | 72 | $19M | -0.044% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 469 | 0.52% | 82/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Indianapolis | IN | 411 | 88/100 |
| Non |  | 30 | 35/100 |
| Muncie, IN | IN | 10 | 43/100 |

## Where This Lender Ranks

FORUM appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥉 **#3** in Muncie, IN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Indianapolis Credit Unions
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Indianapolis for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#4** in Indianapolis for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#5** in Indiana for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#6** in Indiana for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#6** in Indianapolis for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#13** in Indiana Credit Unions
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions)
- 🏆 **#14** in Indiana for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#19** in Muncie, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/conventional-loans)
- 🏆 **#20** in Indianapolis
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders)
- 🏆 **#20** in Indianapolis for Jumbo Loans
  - [View Full Rankings](https://saferate.com/indianapolis/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does FORUM offer?

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

### Where does FORUM offer mortgages?

FORUM offers mortgages in 1 states: IN.

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

FORUM has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.052% above market average.

### What type of lender is FORUM?

FORUM is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Fishers, IN.

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

FORUM has a pull-through score of 54/100 (Sound). 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/forum

### How to Cite

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

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