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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 Indiana
Updated February 6, 2026
Market Overview
334
Total Lenders
90,243
Total Loans
0.38%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Old National Bank | Exceptional | Exceptional | Strong | Exceptional | $855 | -0.103% | 1,017 | |
2 | EVERWISE CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $642 | +0.216% | 665 | |
3 | Elements Financial Federal Credit Union | Exceptional | Exceptional | Strong | Exceptional | $1,100 | +0.112% | 500 | |
4 | Liberty | Exceptional | Strong | Exceptional | Exceptional | $999 | +0.350% | 869 | |
5 | INDIANA MEMBERS CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $1,094 | -0.280% | 466 | |
6 | INDIANA UNIVERSITY CREDIT UNION | Exceptional | Exceptional | Strong | Strong | $75 | +0.059% | 308 | |
7 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | $632 | -0.030% | 254 | |
8 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $787 | +0.353% | 1,342 | |
9 | Three Rivers Federal Credit Union | Exceptional | Strong | Strong | Exceptional | $994 | +0.285% | 1,246 | |
10 | First Merchants Bank | Exceptional | Strong | Strong | Exceptional | $1,223 | +0.290% | 956 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $702 | -0.482% | 475 | |
12 | PURDUE | Exceptional | Strong | Strong | Exceptional | $713 | +0.158% | 419 | |
13 | CRANE | Exceptional | Exceptional | Sound | Strong | $698 | +0.135% | 199 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,474 | +0.318% | 3,640 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $4,447 | +0.019% | 1,219 | |
16 | The Huntington National Bank | Strong | Strong | Strong | Strong | $1,093 | +0.440% | 951 | |
17 | MORTGAGE MASTERS OF INDIANA, INC. | Strong | Sound | Exceptional | Exceptional | $1,482 | +0.319% | 801 | |
18 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$66 | +0.289% | 554 | |
19 | Centra Credit Union | Strong | Sound | Exceptional | Exceptional | $981 | +0.310% | 513 | |
20 | German American Bank | Strong | Strong | Sound | Exceptional | $804 | +0.148% | 511 | |
21 | FORUM | Strong | Strong | Sound | Exceptional | $1,106 | +0.052% | 469 | |
22 | NOTRE DAME FEDERAL CREDIT UNION CORPORATION | Strong | Sound | Exceptional | Exceptional | $1,177 | +0.391% | 466 | |
23 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $748 | +0.226% | 309 | |
24 | KeyBank National Association | Strong | Strong | Strong | Strong | $1,128 | +0.214% | 276 | |
25 | Heritage Federal Credit Union | Strong | Strong | Strong | Strong | $600 | +0.379% | 267 | |
26 | PROFED CREDIT UNION | Strong | Strong | Strong | Strong | $892 | -0.040% | 239 | |
27 | The State Bank and Trust Company | Strong | Strong | Strong | Strong | $1,054 | +0.162% | 218 | |
28 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $1,831 | +0.432% | 5,510 | |
29 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,932 | +0.269% | 2,061 | |
30 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,132 | +0.474% | 1,304 | |
31 | MJW FINANCIAL LLC | Strong | Sound | Strong | Exceptional | $1,611 | +0.383% | 1,221 | |
32 | Union Savings Bank | Strong | Sound | Strong | Exceptional | $911 | +0.189% | 790 | |
33 | First Financial Bank | Strong | Sound | Strong | Exceptional | $1,327 | +0.531% | 700 | |
34 | Centier Bank | Strong | Sound | Strong | Exceptional | $655 | +0.522% | 575 | |
35 | Horizon Bank | Strong | Sound | Strong | Exceptional | $1,577 | +0.440% | 468 | |
36 | 1st Source Bank | Strong | Sound | Strong | Exceptional | $1,043 | +0.377% | 433 | |
37 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,204 | +0.161% | 319 | |
38 | Jackson County Bank | Strong | Strong | Sound | Strong | $954 | +0.082% | 272 | |
39 | University Bank | Strong | Sound | Exceptional | Strong | $2,643 | +0.261% | 270 | |
40 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,509 | +0.481% | 6,448 | |
41 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,757 | +0.617% | 2,784 | |
42 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,411 | +0.732% | 1,275 | |
43 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,260 | +0.437% | 982 | |
44 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,137 | +0.526% | 811 | |
45 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,142 | +0.031% | 458 | |
46 | Regions Bank | Strong | Sound | Strong | Strong | $1,570 | +0.473% | 376 | |
47 | INTERRA CREDIT UNION | Strong | Sound | Strong | Strong | $739 | +0.193% | 352 | |
48 | First Financial Bank, National Association | Strong | Sound | Strong | Strong | $1,003 | +0.352% | 268 | |
49 | Merchants Bank of Indiana | Strong | Sound | Strong | Strong | $1,347 | +0.237% | 232 | |
50 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,559 | +0.604% | 1,700 |
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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