Fortera Credit Union

What their website says about applying

• In addition to identification, you will also need to bring income verification. source
• you can click the button below to submit a request form, call us at 931.293.1870 source
• A copy of your homeowner's insurance (the declaration page) source
• Proof of insurance with Fortera Credit Union listed as lien holder source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• Collateral flexible or not always required It allows members with great borrowing history to access the money they need with no collateral required. source
• First-time homebuyer program Fortera's First-Time Home Buyer product offers first-time home buyers the option to get a mortgage with Zero Down Financing source
• Homebuyer education required must complete an approved homebuyer education course prior to closing source
• Membership required subject to credit approval, membership eligibility, property eligibility, and underwriting source
• Low or damaged credit considered FHA loans provide an option for borrowers with lower credit scores source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Credit card and savings products were omitted; auto and mortgage loan amounts are not stated. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
2. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
3. What is the APR, including fees, on your auto loans and home mortgages?
   Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare.
4. How long can I take to repay?
   No repayment terms are stated on their website.
5. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the NCUA as FORTERA (charter 9759). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

Figures from the 5300 Call Report filed by Fortera Credit Union (NCUA charter 9759, filed as “FORTERA”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Loan mix (balances on 30 Jun 2026)

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

Fortera Credit Union reported 848 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $92.2M (median loan about $75,000). 129 were home-purchase loans.

Included above: 379 home-equity or other open-end lines of credit.

Where the loans were made

Counties with the most 2025 originations, out of 49 counties with at least one; 83% of its 2025 loans were for properties in Tennessee:

• Montgomery County, TN (515)
• Christian County, KY (101)
• Davidson County, TN (39)
• Lawrence County, TN (21)
• Stewart County, TN (18)
• Cheatham County, TN (15)
• Trigg County, KY (13)
• Dickson County, TN (12)

Filed under LEI 254900WQCRCK13A7DC81 as “FORTERA FEDERAL CREDIT UNION”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.

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