# FREMONT Federal Credit Union

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


FREMONT Federal Credit Union is a credit union, headquartered in Fremont, OH, with 183 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 12% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 48% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300MXBLBJSY4S5R72
- **Headquarters:** Fremont, OH
- **Geographic Reach:** Single State
- **States Served:** 1
- **State List:** OH
- **Markets (MSAs):** 3
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Exceptional 🤩
- Score: 88/100
- Rating: ●●●●● (5/5)

### Pull Through: Sound ☺️
- Score: 52/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.003%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $574
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 183
- **Dollar Volume:** $26 million
- **Applications Received:** 195
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $143,470
- **Average Borrower Income:** $85,661
- **Average Property Value:** $192,432

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (71%)
- ⭐ **Purchase Gold Superstar** (71%)
- ⭐ **Refinance Gold Superstar** (65%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 51/100 | 183 | +0.003% | $574 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 146 loans, Score: 50/100 (Sound)
- Refinance: 37 loans, Score: 41/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 49/100 | 146 | $21M | -0.004% | Sound ☺️ |
| Refinance | 37/100 | 37 | $5M | +0.036% | Acceptable 🙂 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| OH | 183 | 0.14% | 73/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 150 | 66/100 |
| Sandusky, OH | OH | 18 | 56/100 |
| Toledo, OH | OH | 13 | 49/100 |

## Where This Lender Ranks

FREMONT Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Sandusky, OH for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Toledo, OH for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/toledo-oh/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#12** in Sandusky, OH for Conventional Loans
  - [View Full Rankings](https://saferate.com/sandusky-oh/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does FREMONT Federal Credit Union offer?

FREMONT 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 FREMONT Federal Credit Union offer mortgages?

FREMONT Federal Credit Union offers mortgages in 1 states: OH.

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

FREMONT Federal Credit Union has a pricing score of 88/100 (Exceptional), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.003% above market average.

### What type of lender is FREMONT Federal Credit Union?

FREMONT Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Fremont, OH.

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

FREMONT Federal Credit Union has a pull-through score of 52/100 (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/fremont-federal-credit-union

### How to Cite

> "FREMONT Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/fremont-federal-credit-union

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