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A loan to get you home.

You want to feel at home in your home. But you also want to feel at home with your mortgage. That’s why we offer a fixed-rate loan with flexible loan terms, so you can find a payment that fits your budget. There are no pre-payment penalties if you pay off the loan early, and our low closing costs save you money up front so you have more to spend on furniture or paint.

Our friendly loan experts will take the time to talk to you about the type of loan you need and answer any questions you may have along the way. Plus, we’re local. So we know the local housing market and we can quickly provide you with a loan decision on your application.

We not only make the mortgage application easy, we make it easier to pay your mortgage. You can make your monthly payments online, by mail, in person at any branch, through automatic transfer or automatic payroll deduction. We’ll provide you with everything you need.

Explore our Home Buying Modules with Zogo!

You can learn all about the home buying process with our web based Zogo modules using the code “INNOVATIONS” when you sign up. Not sure what Zogo is? Click here to learn more.

Mortgagee Clause

Please include your loan number when submitting correspondence to this mailing address:

    • Innovations Financial Credit Union




    • P.O. Box 654


    Carmel, IN 46082

Our Registered Mortgage Loan Originators

The Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act of 2008 is a federal law that is designed to enhance consumer protection and reduce fraud through the setting of minimum standards for the licensing and registration of state-licensed mortgage loan originators (MLO).

MLO’s are also required to submit fingerprints to the Nationwide Mortgage Licensing System (NMLS) for submission to the FBI for criminal background checks.

These processes are in place to protect you and we want to assure our members that Innovations Financial Credit Union is in full compliance with all rules and regulations governed by the SAFE Act of 2008.

Following is a full list of our current Registered Mortgage Loan Originators. For more information, please visit the Nationwide Mortgage Licensing System and Registry and type in any of the following NMLS numbers:

Name NMLS#
Christopher Berry 2414634
Daniel K. Chaplik 770588
Tricia Ann Cottle 761834
Sylvia Diane Crider 788186
Heather D. Hart 689049
Gail Helms 689028
Carrie Sloan Infinger 791086
Charlane Johnson 1567062
Betty Ruth Knight 791095
Kelly A. Littlefield 774879
Gina Fay Mann 791091
Kenny Ray Mitchell 767537
Charles David Powell 1443099
Alexandria Nicole Richter 2147004
Brooke Roberts 2453548
Britney Hiers Saffold 2234256
Rebecca Scott 1634136
Jonathan Smiley 1301536
Lindsey Soltis 1848220
Patsy Jane Stuckey 764468
Jhonatan A. Urbina 2533033
Jacob Willard 2153463
Shannon Lynette Williams 759186
Innovations Financial Credit Union 640383

Ready to get moving?

Give our mortgage experts a call at 850.249.0572 or email them at to set up an appointment. They’ll take the time to walk you through the entire mortgage process so you know what to expect upfront.

Equal Housing Lender

Home Mortgage Disclosure Act (HMDA) Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

These data are available online at the Consumer Financial Protection Bureau’s website ( HMDA data for many other financial institutions are also available at this website.

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