Safe Rate Rankings

Best FHA 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	Union Savings BankBank	Exceptional	Exceptional	Strong	Strong	Strong	$798Fees	0.202%Above	151
2	EVERWISE CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Strong	$669Fees	0.133%Above	129
3	Old National BankBank	Exceptional	Exceptional	Strong	Sound	Strong	$877Fees	0.130%Below	76
4	Fifth Third Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,044Fees	0.323%Above	175
5	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$2,265Fees	0.157%Above	138
6	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$3,038Fees	0.668%Above	57
7	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,806Fees	0.482%Above	28
8	First Merchants BankBank	Strong	Strong	Strong	Sound	Strong	$1,195Fees	0.284%Above	221
9	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Strong	$2,604Fees	0.326%Above	92
10	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,554Fees	0.608%Above	76
11	PNC Bank, National AssociationBank	Strong	Strong	Strong	Sound	Strong	$319Credit	0.201%Above	64
12	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$2,207Fees	0.283%Below	29
13	GoodLeap, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$3,427Fees	0.062%Above	26
14	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,954Fees	0.384%Above	873
15	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,657Fees	0.525%Above	313
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,062Fees	0.777%Above	109
17	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$4,337Fees	0.713%Above	85
18	V.I.P. MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,570Fees	0.694%Above	69
19	MICHIGAN MUTUAL, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,578Fees	0.509%Above	23
20	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$2,623Fees	0.602%Above	286
21	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$3,358Fees	0.640%Above	257
22	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,778Fees	0.485%Above	216
23	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	Strong	$2,086Fees	0.308%Above	182
24	NEWREZ LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$1,412Fees	0.469%Above	48
25	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,346Fees	0.893%Above	31
26	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Strong	$2,527Fees	0.662%Above	103
27	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,854Fees	0.418%Above	41
28	VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,028Fees	0.627%Above	35
29	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,122Fees	0.793%Above	29
30	DIAMOND RESIDENTIAL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Strong	Exceptional	Strong	$2,970Fees	0.593%Above	83
31	POLARIS HOME FUNDING CORP.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,642Fees	0.617%Above	51
32	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,401Fees	0.405%Above	32
33	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,386Credit	0.183%Below	18
34	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,562Fees	1.157%Above	15
35	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,468Fees	0.607%Above	37
36	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,600Fees	0.554%Above	33
37	PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,439Fees	0.726%Above	18
38	AmRes CorporationIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$4,161Fees	0.846%Above	35
39	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	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 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.