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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Conventional Mortgage Lenders in Bloomington
Updated February 5, 2026
Market Overview
30
Total Lenders
1,236
Total Loans
0.28%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | INDIANA UNIVERSITY CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Exceptional | $36 | +0.069% | 229 | |
2 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Sound | $514 | +0.104% | 28 | |
3 | CRANE | Exceptional | Exceptional | Sound | Strong | Strong | $735 | +0.094% | 25 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $200 | -0.190% | 17 | |
5 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,327 | +0.337% | 246 | |
6 | German American Bank | Exceptional | Strong | Strong | Strong | Strong | $885 | +0.298% | 51 | |
7 | Elements Financial Federal Credit Union | Exceptional | Exceptional | Strong | Sound | Sound | $1,126 | +0.155% | 12 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,897 | +0.237% | 41 | |
9 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,874 | +0.197% | 28 | |
10 | Jackson County Bank | Strong | Strong | Strong | Strong | Sound | $887 | +0.214% | 16 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,770 | +0.389% | 116 | |
12 | Union Savings Bank | Strong | Sound | Exceptional | Strong | Sound | $895 | +0.113% | 11 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,554 | +0.554% | 110 | |
14 | GVC MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,658 | +0.361% | 36 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,791 | -0.210% | 15 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Acceptable | $3,278 | +0.424% | 10 | |
17 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,928 | +0.815% | 24 | |
18 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,381 | +0.528% | 22 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,530 | +0.393% | 11 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,923 | +0.587% | 11 | |
21 | FAIR WAY LENDING LLC | Strong | Acceptable | Sound | Strong | Strong | $2,383 | +0.390% | 49 | |
22 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,396 | -0.131% | 17 | |
23 | HOOSIER HILLS CREDIT UNION | Strong | Sound | Sound | Sound | Sound | $884 | +0.442% | 10 | |
24 | HALLMARK HOME MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,522 | +0.402% | 14 | |
25 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $2,214 | +0.265% | 10 | |
26 | MILESTONE HOME LENDING, LLC | Sound | Mediocre | Sound | Sound | Sound | $3,445 | +0.681% | 14 |
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 40 Points)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
Place
Local market expertise (25%)
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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