Safe Rate Rankings

Best Conventional Mortgage Lenders in Bloomington

Updated May 22, 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	INDIANA UNIVERSITY CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$36Fees	0.069%Above	229
2	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Sound	$514Fees	0.104%Above	28
3	CRANECredit Union	Exceptional	Exceptional	Sound	Strong	Strong	$735Fees	0.094%Above	25
4	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$200Fees	0.190%Below	17
5	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,327Fees	0.337%Above	246
6	German American BankBank	Exceptional	Strong	Strong	Strong	Strong	$885Fees	0.298%Above	51
7	Elements Financial Federal Credit UnionCredit Union	Exceptional	Exceptional	Strong	Sound	Sound	$1,126Fees	0.155%Above	12
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,897Fees	0.237%Above	41
9	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,874Fees	0.197%Above	28
10	Jackson County BankBank	Strong	Strong	Strong	Strong	Sound	$887Fees	0.214%Above	16
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,770Fees	0.389%Above	116
12	Union Savings BankBank	Strong	Sound	Exceptional	Strong	Sound	$895Fees	0.113%Above	11
13	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,554Fees	0.554%Above	110
14	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,658Fees	0.361%Above	36
15	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,791Fees	0.210%Below	15
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Acceptable	$3,278Fees	0.424%Above	10
17	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,928Fees	0.815%Above	24
18	FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,381Fees	0.528%Above	22
19	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,530Fees	0.393%Above	11
20	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,923Fees	0.587%Above	11
21	FAIR WAY LENDING LLCIndependent Mortgage Company	Strong	Acceptable	Sound	Strong	Strong	$2,383Fees	0.390%Above	49
22	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$2,396Fees	0.131%Below	17
23	HOOSIER HILLS CREDIT UNIONCredit Union	Strong	Sound	Sound	Sound	Sound	$884Fees	0.442%Above	10
24	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,522Fees	0.402%Above	14
25	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Exceptional	Sound	Acceptable	$2,214Fees	0.265%Above	10
26	MILESTONE HOME LENDING, LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	Sound	$3,445Fees	0.681%Above	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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.