# Best Conventional Mortgage Lenders in Bloomington, IN

**As of:** 2026-05-22

Compare the top Conventional mortgage lenders in Bloomington, IN. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/bloomington-in/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 30
- **Total Loans:** 1,236
- **Median Rate Spread:** 0.27827586206896554%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | INDIANA UNIVERSITY CREDIT UNION | 89 | 82 | 70 | 229 | Credit Union |
| 2 | RUOFF MORTGAGE COMPANY, INC. | 83 | 46 | 74 | 246 | Independent Mortgage Company |
| 3 | Old National Bank | 83 | 84 | 69 | 28 | Bank |
| 4 | German American Bank | 80 | 65 | 62 | 51 | Bank |
| 5 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 41 | Bank |
| 6 | CRANE | 79 | 89 | 63 | 25 | Credit Union |
| 7 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 17 | Credit Union |
| 8 | ROCKET MORTGAGE, LLC | 75 | 28 | 87 | 116 | Independent Mortgage Company |
| 9 | Jackson County Bank | 74 | 68 | 67 | 16 | Bank |
| 10 | Fifth Third Bank, National Association | 73 | 61 | 60 | 28 | Bank |
| 11 | Elements Financial Federal Credit Union | 73 | 80 | 52 | 12 | Credit Union |
| 12 | Union Savings Bank | 73 | 52 | 77 | 11 | Bank |
| 13 | CMG MORTGAGE, INC. | 71 | 34 | 73 | 110 | Independent Mortgage Company |
| 14 | GVC MORTGAGE, INC. | 71 | 21 | 76 | 36 | Independent Mortgage Company |
| 15 | UNITED WHOLESALE MORTGAGE, LLC | 70 | 36 | 86 | 15 | Independent Mortgage Company |
| 16 | STOCKTON MORTGAGE CORPORATION | 66 | 29 | 65 | 24 | Independent Mortgage Company |
| 17 | FIRST COMMUNITY MORTGAGE, INC. | 66 | 31 | 79 | 22 | Independent Mortgage Company |
| 18 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 11 | Independent Mortgage Company |
| 19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 11 | Independent Mortgage Company |
| 20 | LOANDEPOT.COM, LLC | 66 | 45 | 72 | 10 | Independent Mortgage Company |
| 21 | FAIR WAY LENDING LLC | 63 | 27 | 80 | 49 | Independent Mortgage Company |
| 22 | HOOSIER HILLS CREDIT UNION | 60 | 55 | 43 | 10 | Credit Union |
| 23 | USAA Federal Savings Bank | 58 | 53 | 27 | 17 | Bank |
| 24 | HALLMARK HOME MORTGAGE, LLC | 56 | 20 | 77 | 14 | Independent Mortgage Company |
| 25 | NEW AMERICAN FUNDING, LLC | 56 | 26 | 60 | 10 | Independent Mortgage Company |
| 26 | MILESTONE HOME LENDING, LLC | 46 | 15 | 41 | 14 | Independent Mortgage Company |
| 27 | Farmers and Mechanics Federal Savings Bank | 37 | N/A | 31 | 11 | Bank |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Bloomington, IN.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.