# PARTNERS 1ST Federal Credit Union

> **Canonical URL:** https://saferate.com/lenders/partners-1st-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


PARTNERS 1ST Federal Credit Union is a credit union, headquartered in Fort Wayne, IN, serving borrowers across 4 states, with 84 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 73% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300FHTPSIK7LBKD38
- **Headquarters:** Fort Wayne, IN
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** IN, MD, OH, VA
- **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: 27/100
- Rating: ●●○○○ (2/5)

### Pricing Details
- **Average Rate Spread:** +0.030%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $727
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 84
- **Dollar Volume:** $17 million
- **Applications Received:** 157
- **Market Share:** 0.00%

## Typical Borrower Profile

- **Average Loan Amount:** $208,095
- **Average Borrower Income:** $103,286
- **Average Property Value:** $335,833

## Safe Rate Awards 🏆

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

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 38/100 | 84 | +0.030% | $727 | Acceptable 🙂 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 49 loans, Score: 33/100 (Acceptable)
- Refinance: 35 loans, Score: 48/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 34/100 | 49 | $13M | +0.300% | Acceptable 🙂 |
| Refinance | 46/100 | 35 | $5M | -0.292% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 66 | 0.07% | 64/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fort Wayne, IN | IN | 43 | 66/100 |
| Non |  | 33 | 45/100 |

## Where This Lender Ranks

PARTNERS 1ST Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

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

## Frequently Asked Questions

### What loan types does PARTNERS 1ST Federal Credit Union offer?

PARTNERS 1ST 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 PARTNERS 1ST Federal Credit Union offer mortgages?

PARTNERS 1ST Federal Credit Union offers mortgages in 4 states: IN, MD, OH, VA.

### How competitive are PARTNERS 1ST Federal Credit Union's mortgage rates?

PARTNERS 1ST Federal 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 0.030% above market average.

### What type of lender is PARTNERS 1ST Federal Credit Union?

PARTNERS 1ST Federal Credit Union is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Fort Wayne, IN.

### What is PARTNERS 1ST Federal Credit Union's loan approval success rate?

PARTNERS 1ST Federal Credit Union has a pull-through score of 27/100 (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/partners-1st-federal-credit-union

### How to Cite

> "PARTNERS 1ST Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/partners-1st-federal-credit-union

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