Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$877Fees	0.130%Below	76
2	Three Rivers Federal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Exceptional	$984Fees	0.269%Above	852
3	First Merchants BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,195Fees	0.284%Above	221
4	PNC Bank, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$319Credit	0.201%Above	64
5	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,077Fees	0.585%Below	34
6	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,954Fees	0.384%Above	873
7	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,044Fees	0.323%Above	175
8	EVERWISE CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Strong	$669Fees	0.133%Above	129
9	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,806Fees	0.482%Above	28
10	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$894Fees	0.093%Above	14
11	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,086Fees	0.308%Above	182
12	Union Savings BankBank	Strong	Sound	Exceptional	Strong	Strong	$798Fees	0.202%Above	151
13	PROFED CREDIT UNIONCredit Union	Strong	Strong	Sound	Sound	Exceptional	$917Fees	0.073%Below	149
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,554Fees	0.608%Above	76
15	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,126Fees	0.196%Above	27
16	The State Bank and Trust CompanyBank	Strong	Strong	Strong	Strong	Sound	$1,089Fees	0.060%Above	22
17	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,657Fees	0.525%Above	313
18	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,358Fees	0.640%Above	257
19	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,265Fees	0.157%Above	138
20	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,337Fees	0.713%Above	85
21	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,570Fees	0.694%Above	69
22	1st Source BankBank	Strong	Sound	Strong	Strong	Strong	$1,065Fees	0.407%Above	48
23	NOTRE DAME FEDERAL CREDIT UNION CORPORATIONCredit Union	Strong	Sound	Strong	Exceptional	Sound	$1,621Fees	0.498%Above	27
24	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,386Credit	0.183%Below	18
25	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,778Fees	0.485%Above	216
26	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$3,062Fees	0.777%Above	109
27	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Strong	$2,604Fees	0.326%Above	92
28	Premier BankBank	Strong	Sound	Strong	Strong	Sound	$847Fees	0.045%Above	22
29	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,623Fees	0.602%Above	286
30	MidWest America Federal Credit UnionCredit Union	Strong	Sound	Sound	Sound	Strong	$980Fees	0.449%Above	96
31	DIAMOND RESIDENTIAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,970Fees	0.593%Above	83
32	STAR Financial BankBank	Strong	Sound	Sound	Sound	Strong	$1,521Fees	0.198%Above	52
33	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,854Fees	0.418%Above	41
34	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,468Fees	0.607%Above	37
35	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,600Fees	0.554%Above	33
36	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,346Fees	0.893%Above	31
37	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,122Fees	0.793%Above	29
38	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,427Fees	0.062%Above	26
39	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,439Fees	0.726%Above	18
40	FORT FINANCIAL Federal Credit UnionCredit Union	Strong	Sound	Sound	Acceptable	Strong	$1,455Fees	0.353%Above	73
41	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,412Fees	0.469%Above	48
42	Lake City BankBank	Strong	Sound	Sound	Sound	Sound	$1,450Fees	0.219%Above	24
43	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$1,578Fees	0.509%Above	23
44	USAA Federal Savings BankBank	Strong	Sound	Strong	Acceptable	Sound	$1,293Fees	0.202%Below	23
45	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,242Fees	0.781%Above	22
46	The Farmers & Merchants State BankBank	Strong	Sound	Sound	Sound	Sound	$1,614Fees	0.387%Above	20
47	First Federal Savings BankBank	Strong	Acceptable	Strong	Strong	Sound	$1,046Fees	0.580%Above	14
48	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Strong	$2,527Fees	0.662%Above	103
49	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,028Fees	0.627%Above	35
50	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$3,325Fees	0.357%Above	14

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.