Safe Rate Rankings

Best All Lender Mortgage Lenders in Fort Wayne

Updated May 21, 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 Lenders73

Total Loans6,395

Median Rate Spread0.39%

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

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.