Safe Rate Rankings

Best All Lender Mortgage Lenders in Evansville

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 Lenders46

Total Loans3,079

Median Rate Spread0.47%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	LibertyCredit Union	Exceptional	Strong	Exceptional	Exceptional	$983Fees	0.329%Above	609
2	Old National BankBank	Exceptional	Exceptional	Strong	Strong	$695Fees	0.004%Below	142
3	Heritage Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	$591Fees	0.362%Above	229
4	INDIANA MEMBERS CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$1,053Fees	0.463%Below	80
5	FBC MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	$3,118Fees	0.355%Above	65
6	MORTGAGE MASTERS OF INDIANA, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,456Fees	0.299%Above	635
7	First Federal Savings BankBank	Strong	Strong	Strong	Strong	$580Fees	0.411%Above	117
8	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$563Fees	0.380%Above	93
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,384Fees	0.274%Above	111
10	German American BankBank	Strong	Strong	Sound	Strong	$795Fees	0.227%Above	68
11	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,585Fees	0.503%Above	184
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$992Fees	0.593%Above	40
13	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	$884Fees	0.244%Above	27
14	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$1,794Fees	0.135%Above	23
15	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,524Fees	0.268%Above	79
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,419Fees	0.629%Above	25
17	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$850Fees	0.281%Above	40
18	Equity Prime Mortgage LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$2,541Fees	1.156%Above	36
19	INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,666Fees	0.789%Above	28
20	Bank of EnglandBank	Sound	Acceptable	Strong	Sound	$1,675Fees	0.364%Above	27
21	THE LOAN STORE, INC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	$1,249Fees	0.468%Above	25
22	GVC MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Sound	$2,793Fees	1.037%Above	22
23	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$2,297Fees	0.600%Above	20
24	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Sound	$1,990Fees	0.737%Above	46
25	CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$2,184Fees	0.872%Above	31

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.