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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 Mortgage Lenders in Fort Wayne
Updated February 5, 2026
Market Overview
73
Total Lenders
6,395
Total Loans
0.39%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | EVERWISE CREDIT UNION | Exceptional | Exceptional | Strong | Strong | $669 | +0.133% | 129 | |
2 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $877 | -0.130% | 76 | |
3 | Three Rivers Federal Credit Union | Exceptional | Strong | Strong | Exceptional | $984 | +0.269% | 852 | |
4 | PROFED CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $917 | -0.073% | 149 | |
5 | First Merchants Bank | Strong | Strong | Strong | Strong | $1,195 | +0.284% | 221 | |
6 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $1,044 | +0.323% | 175 | |
7 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$319 | +0.201% | 64 | |
8 | PARTNERS 1ST Federal Credit Union | Strong | Exceptional | Acceptable | Strong | $732 | +0.076% | 43 | |
9 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $1,077 | -0.585% | 34 | |
10 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $1,954 | +0.384% | 873 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,265 | +0.157% | 138 | |
12 | The Huntington National Bank | Strong | Strong | Strong | Sound | $1,806 | +0.482% | 28 | |
13 | The State Bank and Trust Company | Strong | Strong | Strong | Sound | $1,089 | +0.060% | 22 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,086 | +0.308% | 182 | |
15 | Union Savings Bank | Strong | Sound | Strong | Strong | $798 | +0.202% | 151 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,554 | +0.608% | 76 | |
17 | 1st Source Bank | Strong | Sound | Strong | Strong | $1,065 | +0.407% | 48 | |
18 | NOTRE DAME FEDERAL CREDIT UNION CORPORATION | Strong | Sound | Exceptional | Sound | $1,621 | +0.498% | 27 | |
19 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,126 | +0.196% | 27 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,657 | +0.525% | 313 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,062 | +0.777% | 109 | |
22 | MidWest America Federal Credit Union | Strong | Sound | Sound | Strong | $980 | +0.449% | 96 | |
23 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $4,337 | +0.713% | 85 | |
24 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,570 | +0.694% | 69 | |
25 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $3,038 | +0.668% | 57 | |
26 | STAR Financial Bank | Strong | Sound | Sound | Strong | $1,521 | +0.198% | 52 | |
27 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,207 | -0.283% | 29 | |
28 | Premier Bank | Strong | Sound | Strong | Sound | $847 | +0.045% | 22 | |
29 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Exceptional | Exceptional | $2,623 | +0.602% | 286 | |
30 | GVC MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | $3,358 | +0.640% | 257 | |
31 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $1,778 | +0.485% | 216 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,626 | +1.002% | 103 | |
33 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,604 | +0.326% | 92 | |
34 | FORT FINANCIAL Federal Credit Union | Strong | Sound | Acceptable | Strong | $1,455 | +0.353% | 73 | |
35 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,346 | +0.893% | 31 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $3,122 | +0.793% | 29 | |
37 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $3,427 | +0.062% | 26 | |
38 | Lake City Bank | Strong | Sound | Sound | Sound | $1,450 | +0.219% | 24 | |
39 | Fire Police City County Federal Credit Union | Strong | Sound | Acceptable | Strong | $1,207 | +0.428% | 24 | |
40 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,293 | -0.202% | 23 | |
41 | The Farmers & Merchants State Bank | Strong | Sound | Sound | Sound | $1,614 | +0.387% | 20 | |
42 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | $2,527 | +0.662% | 103 | |
43 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $1,854 | +0.418% | 41 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,468 | +0.607% | 37 | |
45 | VAN DYK MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $2,028 | +0.627% | 35 | |
46 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,600 | +0.554% | 33 | |
47 | MICHIGAN MUTUAL, INC. | Sound | Acceptable | Strong | Sound | $1,578 | +0.509% | 23 | |
48 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $1,412 | +0.469% | 48 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,401 | +0.405% | 32 | |
50 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,242 | +0.781% | 22 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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