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Three Rivers Federal Credit Union

Credit Union•Fort Wayne, INHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Three Rivers Federal Credit Union — 1.3k loans across 2k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Exceptional
5/5
Conventional · Jumbo
Place
Strong
4/5
Regional · 3 mkts
Promptness
Not enough data
—/5
No quote responses measured yet
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate 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

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Report Card

Three Rivers Federal Credit Union performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
+28.7 bps above market avg
4/5
Pull Through
Closing strength
Strong
Top 40% of lenders
4/5
By Loan Product· Specialization by type
Conventional
1,293 loans · 0.29% above market
Exceptional
Top 20% of lenders
5/5
Jumbo
33 loans · 0.04% above market
Strong
Top 40% of lenders
4/5
By Loan Purpose· Transaction purpose mix
Purchase
1,106 loans · 0.26% above market
Strong
Top 40% of lenders
4/5
Refinance
221 loans · 0.40% above market
Strong
Top 40% of lenders
4/5
By Location· Geographic coverage
Geographic Reach
Regional · 4 markets
Strong
Top 40% of lenders
4/5

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Exceptional
Pricing
Strong
Pull Through
Strong
Volume1,293
Mix97.4%
Spread
+0.289%Above
Fees
$996Fees
Jumbo Loans
Overall
Strong
Product
Strong
Pricing—
Pull Through
Strong
Volume33
Mix2.5%
Spread
+0.037%Above
Fees
$853Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume1,106
Mix83.3%
Spread
+0.261%Above
Fees
$1,028Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume221
Mix16.7%
Spread
+0.399%Above
Fees
$857Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,327
Applications
1,780
Volume
$339 million
Pricing & Closing
Avg Rate Spread
+0.287%
vs. market APOR
Avg Net Fees
$995
Origination − Credits
Pullthrough Rate
74.6%
Applications → Closed
Typical Borrower
Avg Loan Amount
$255,859
Avg Borrower Income
$134,043
Avg Property Value
$331,307

Geographic Coverage

Geographic Performance

Metro Areas
3
markets with activity
States Served
4
of 50 states + DC
Avg Place Specialization
Strong
4/5

States with Loan Originations

4Full-year 2024 · HMDA
4 states with loan originations
Loans originated
< 1010–5050+None
Midwest3
INMIOH
South1
FL

Top Metro Areas by Place Specialization Score

1© WeaponizingArchitecture · CC BY-SA 4.0
Fort Wayne, INMetro
Volume 852Mix 64.20% of portfolio
100/100
Exceptional
2© TheWxResearcher · CC0
Indianapolis, INMetro
Volume 35Mix 2.64% of portfolio
54/100
Sound
3© Unknown · Public domain
Muncie, INMetro
Volume 10Mix 0.75% of portfolio
41/100
Sound

Top States by Place Specialization Score

Indiana
Indiana
1
IndianaState
Volume 1,246Mix 93.90% of portfolio
90/100
Exceptional
Ohio
Ohio
2
OhioState
Volume 50Mix 3.77% of portfolio
52/100
Sound
Michigan
Michigan
3
MichiganState
Volume 14Mix 1.06% of portfolio
40/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts
Pricing
How competitively a lender prices vs. the market benchmark (20%).
10/ 50 pts
Product
Performance on your specific loan type (20%).
10/ 50 pts
Pull Through
How reliably a lender closes the loans it starts (20%).
10/ 50 pts
Place
Depth of a lender's expertise in your local market (20%).
10/ 50 pts
Promptness
How quickly a lender answers real quote requests — blended in once they respond (20%).
Champion
Champion(80%+ = 40-50 points)
Superstar
Superstar(60-79% = 30-39 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.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.