Forum mortgage approval rate & lending review
Forum decided 2,535 mortgage applications and funded 2,094 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Forum reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Forum at a glance
Approval is 8.8 points above the 74.6% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 91% | 842 / 928 | 99% | $245K | 835 |
| Home improvement loans | 84% | 799 / 948 | 99% | $55K | 789 |
| Cash-out refinance | 70% | 203 / 291 | 99% | $125K | 200 |
| Refinance | 73% | 181 / 248 | 100% | $105K | 181 |
| Investment property purchase | 87% | 67 / 77 | 100% | $125K | 67 |
Forum lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 83% | $125K | 2,534 | 2,094 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Forum lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Marion County, IN | Mortgage lenders | 88% | 402 | 353 |
| Marion County, IN | Home improvement loans | 79% | 396 | 309 |
| Hamilton County, IN | Home improvement loans | 93% | 300 | 274 |
| Hamilton County, IN | Mortgage lenders | 95% | 259 | 242 |
| Hendricks County, IN | Home improvement loans | 77% | 109 | 83 |
| Marion County, IN | Cash-out refinance | 66% | 128 | 83 |
| Marion County, IN | Refinance | 72% | 108 | 78 |
| Johnson County, IN | Home improvement loans | 91% | 86 | 77 |
| Johnson County, IN | Mortgage lenders | 91% | 79 | 72 |
| Hendricks County, IN | Mortgage lenders | 90% | 77 | 69 |
| Hamilton County, IN | Cash-out refinance | 72% | 94 | 68 |
| Hamilton County, IN | Refinance | 80% | 76 | 61 |
The county markets where Forum made the most loans. Each link opens that market with every lender ranked.
Questions about Forum
What is Forum's mortgage approval rate?
Forum approved 83.4% of the 2,535 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.8 points above the 74.6% national rate for the same mix of loan types.
How often do borrowers take the loan Forum offers?
Borrowers accepted 99% of the loans Forum approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Forum make?
The typical home improvement loan loan Forum made was $55K; across all loan types its typical loan ran from $55K to $245K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Forum lend?
Forum decided applications in 2 of the states Fat Boy Data covers, most of them in Indiana and Florida.
Can I apply to Forum directly?
Yes. Forum is a bank or credit union with 16 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Forum's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Forum treats applications, then get a rate quote from the lender.