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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 Conventional Mortgage Lenders in Fort Wayne

Updated February 5, 2026

Market Overview

Total Lenders

6,395

Total Loans

0.39%

Median Rate Spread

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

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