Safe Rate Rankings

Best Conventional 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%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$695Fees	0.004%Below	142
2	MORTGAGE MASTERS OF INDIANA, INC.Independent Mortgage Company	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,456Fees	0.299%Above	635
3	LibertyCredit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$983Fees	0.329%Above	609
4	Heritage Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$591Fees	0.362%Above	229
5	INDIANA MEMBERS CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Sound	Strong	$1,053Fees	0.463%Below	80
6	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$563Fees	0.380%Above	93
7	German American BankBank	Exceptional	Strong	Strong	Strong	Strong	$795Fees	0.227%Above	68
8	CRANECredit Union	Exceptional	Exceptional	Sound	Strong	Sound	$687Fees	0.274%Above	10
9	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Acceptable	$1,309Fees	0.558%Below	10
10	First Federal Savings BankBank	Strong	Strong	Sound	Strong	Strong	$580Fees	0.411%Above	117
11	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,347Fees	0.093%Below	13
12	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,585Fees	0.503%Above	184
13	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,384Fees	0.274%Above	111
14	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$850Fees	0.281%Above	40
15	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$1,794Fees	0.135%Above	23
16	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,569Fees	0.416%Above	17
17	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,249Fees	0.468%Above	25
18	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,419Fees	0.629%Above	25
19	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,793Fees	1.037%Above	22
20	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,437Fees	0.515%Above	17
21	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$1,311Fees	0.673%Above	13
22	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,651Fees	0.335%Above	13
23	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$1,157Fees	0.601%Above	12
24	MEMBER FIRST MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,466Fees	0.554%Above	12
25	FBC MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,118Fees	0.355%Above	65
26	INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,666Fees	0.789%Above	28
27	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,297Fees	0.600%Above	20
28	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,481Fees	0.788%Above	13
29	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$1,990Fees	0.737%Above	46
30	Bank of EnglandBank	Sound	Acceptable	Strong	Sound	Sound	$1,675Fees	0.364%Above	27
31	ZILLOW HOME LOANS, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,920Fees	0.851%Above	18
32	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$1,516Fees	0.686%Above	15
33	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$2,804Fees	1.277%Above	13
34	CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$2,184Fees	0.872%Above	31
35	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$5,901Fees	0.382%Above	11

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.