# Three Rivers Federal Credit Union

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


Three Rivers Federal Credit Union is a credit union, headquartered in Fort Wayne, IN, serving borrowers across 4 states, with 1,327 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 22% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300ZBBGOL4MIK0L71
- **Headquarters:** Fort Wayne, IN
- **Geographic Reach:** Regional
- **States Served:** 4
- **State List:** FL, IN, MI, OH
- **Markets (MSAs):** 4
- **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: 78/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** +0.287%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $995
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,327
- **Dollar Volume:** $340 million
- **Applications Received:** 1,780
- **Market Share:** 4.00%

## Typical Borrower Profile

- **Average Loan Amount:** $255,859
- **Average Borrower Income:** $134,043
- **Average Property Value:** $331,307

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (77%)
- ⭐ **Purchase Gold Superstar** (70%)
- ⭐ **Refinance Gold Superstar** (70%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 82/100 | 1,293 | +0.289% | $996 | Exceptional 🤩 |
| Jumbo | 75/100 | 33 | +0.037% | $853 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 1,074 loans, Score: 82/100 (Exceptional)
- Refinance: 219 loans, Score: 78/100 (Strong)

**Jumbo:**
- Purchase: 31 loans, Score: 76/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 80/100 | 1,106 | $304M | +0.261% | Strong 😀 |
| Refinance | 76/100 | 221 | $35M | +0.399% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| IN | 1,246 | 1.37% | 90/100 |
| OH | 50 | 0.04% | 52/100 |
| MI | 14 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Fort Wayne, IN | IN | 852 | 100/100 |
| Non |  | 400 | 71/100 |
| Indianapolis | IN | 35 | 54/100 |
| Muncie, IN | IN | 10 | 41/100 |

## Where This Lender Ranks

Three Rivers Federal Credit Union appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥇 **#1** in Indiana for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥇 **#1** in Indiana for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥇 **#1** in Fort Wayne, IN
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders)
- 🥇 **#1** in Fort Wayne, IN Credit Unions
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/credit-unions)
- 🥇 **#1** in Fort Wayne, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/conventional-loans)
- 🥇 **#1** 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)
- 🥇 **#1** in Fort Wayne, IN for Jumbo Loans
  - [View Full Rankings](https://saferate.com/fort-wayne-in/best-mortgage-lenders/jumbo-loans)
- 🥇 **#1** in Muncie, IN for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥈 **#2** in Indiana for Conventional Loans
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/conventional-loans)
- 🏆 **#4** in Indiana Credit Unions
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/credit-unions)
- 🏆 **#4** in Indiana for Jumbo Loans
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders/jumbo-loans)
- 🏆 **#6** in Indiana
  - [View Full Rankings](https://saferate.com/indiana/best-mortgage-lenders)
- 🏆 **#6** in Muncie, IN for Conventional Loans
  - [View Full Rankings](https://saferate.com/muncie-in/best-mortgage-lenders/conventional-loans)

## Frequently Asked Questions

### What loan types does Three Rivers Federal Credit Union offer?

Three Rivers Federal Credit Union offers the following mortgage loan types: Conventional, Jumbo. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does Three Rivers Federal Credit Union offer mortgages?

Three Rivers Federal Credit Union offers mortgages in 4 states: FL, IN, MI, OH.

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

Three Rivers Federal Credit Union 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 0.287% above market average.

### What type of lender is Three Rivers Federal Credit Union?

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

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

Three Rivers Federal Credit Union has a pull-through score of 78/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

---

## 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/three-rivers-federal-credit-union

### How to Cite

> "Three Rivers Federal Credit Union Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/three-rivers-federal-credit-union

---

**[View Interactive Profile →](https://saferate.com/lenders/three-rivers-federal-credit-union)**