Safe Rate Rankings

Best All Lender Mortgage Lenders in Bloomington

Updated May 21, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ 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.

Market

Total Lenders30

Total Loans1,236

Median Rate Spread0.28%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	INDIANA UNIVERSITY CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	$36Fees	0.069%Above	229
2	Old National BankBank	Exceptional	Exceptional	Strong	Sound	$514Fees	0.104%Above	28
3	CRANECredit Union	Exceptional	Exceptional	Sound	Strong	$735Fees	0.094%Above	25
4	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,327Fees	0.337%Above	246
5	German American BankBank	Strong	Strong	Sound	Strong	$885Fees	0.298%Above	51
6	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,874Fees	0.197%Above	28
7	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,897Fees	0.237%Above	41
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,770Fees	0.389%Above	116
9	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$1,554Fees	0.554%Above	110
10	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$4,898Fees	0.011%Above	21
11	FAIR WAY LENDING LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,383Fees	0.390%Above	49
12	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$3,381Fees	0.528%Above	22
13	GVC MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$3,658Fees	0.361%Above	36
14	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,928Fees	0.815%Above	24

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.