Looking for a different lender?
T
Three Rivers Federal Credit Union
Credit Union|Fort Wayne, IN|Regional
Loans Originated
1,327
Applications
1,780
Volume
$339 million
Offers loans directly to consumers
Overall Pricing
Strong
Overall Pull Through
Strong
Safe Rate Awards⭐Conventional Superstar⭐Purchase Superstar⭐Refinance Superstar
Pricing and Pullthrough Overview
Average Rate Spread
+0.287%
The average of the lender's APR minus the market's average APR (APOR)
Average Net Fees
$995
Borrower paid Origination Charges - Lender Credits
Pullthrough Rate
74.6%
Percentage of applications that result in closed loans
Safe Rate's Summary
What They Do Well
- Competitive pricing compared to the market
- Lower than average lender fees
- Strong pull through performance
- Particularly strong in Conventional and Jumbo loans
Report Card
Three Rivers Federal Credit Union performance at a glance
| Category | Rating | Grade | Details |
|---|---|---|---|
Pricing Rate competitiveness | Strong | Highly Competitive | |
Pull Through Closing Strength | Strong | Highly Competitive | |
Products Loan Type Specialists | Specialization score by loan product | ||
Conventional | Exceptional | Market Leader | |
Jumbo | Strong | Highly Competitive | |
Purpose Reason specialization | Specialization score by loan purpose | ||
Purchase | Strong | Highly Competitive | |
Refinance | Strong | Highly Competitive | |
Places Geographic coverage | Strong | Regional · 4 metro areas · 4 states |
Rating Scale:
Exceptional (80-100)
Strong (60-79)
Sound (40-59)
Acceptable (20-39)
Mediocre (0-19)
Typical Borrower Profile
Average Loan Amount
$255,859
Average Borrower Income
$134,043
Average Property Value
$331,307
Performance by Loan Product
| Loan Type | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Conventional | Strong | Exceptional | Strong | Strong | 1,293 | 97.4% | +0.289% | $996 |
Jumbo Loans | Strong | Strong | N/A | Strong | 33 | 2.5% | +0.037% | $853 |
Performance by Loan Purpose
| Purpose | Overall | Product | Pricing | Pull Through | Volume | Mix | Spread | Fees |
|---|---|---|---|---|---|---|---|---|
Purchase | Strong | Strong | Strong | Strong | 1,106 | 83.3% | +0.261% | $1,028 |
Refinance | Strong | Strong | Strong | Strong | 221 | 16.7% | +0.399% | $857 |
Geographic Coverage
Metro Areas
3
States Served
4
We count Washington DC as a state
Avg Place Specialization
Strong
States with Loan Originations
FLINMIOH
Top Metro Areas by Place Specialization Score
1
Fort Wayne, IN, INMSA
Volume: 852Mix: 64.20%
Place Specialization
Exceptional
2
Indianapolis, INMSA
Volume: 35Mix: 2.64%
Place Specialization
Sound
3
Muncie, IN, INMSA
Volume: 10Mix: 0.75%
Place Specialization
Sound
Top States by Place Specialization Score
1
INState
Volume: 1,246Mix: 93.90%
Place Specialization
Exceptional
2
OHState
Volume: 50Mix: 3.77%
Place Specialization
Sound
3
MIState
Volume: 14Mix: 1.06%
Place Specialization
Acceptable
How We Rank Lenders
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)
Data Integrity & Updates
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.
Ready to Get Started?
Compare Three Rivers Federal Credit Union with other lenders or get personalized recommendations.