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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 Conventional 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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $855 | -0.103% | 1,017 | |
2 | Three Rivers Federal Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $994 | +0.285% | 1,246 | |
3 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,223 | +0.290% | 956 | |
4 | Liberty | Exceptional | Strong | Exceptional | Strong | Exceptional | $999 | +0.350% | 869 | |
5 | MORTGAGE MASTERS OF INDIANA, INC. | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,482 | +0.319% | 801 | |
6 | Elements Financial Federal Credit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,100 | +0.112% | 500 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $702 | -0.482% | 475 | |
8 | INDIANA MEMBERS CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,094 | -0.280% | 466 | |
9 | INDIANA UNIVERSITY CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Strong | $75 | +0.059% | 308 | |
10 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $632 | -0.030% | 254 | |
11 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $787 | +0.353% | 1,342 | |
12 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,093 | +0.440% | 951 | |
13 | EVERWISE CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $642 | +0.216% | 665 | |
14 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$66 | +0.289% | 554 | |
15 | German American Bank | Exceptional | Strong | Strong | Strong | Exceptional | $804 | +0.148% | 511 | |
16 | PURDUE | Exceptional | Strong | Strong | Strong | Exceptional | $713 | +0.158% | 419 | |
17 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $748 | +0.226% | 309 | |
18 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,128 | +0.214% | 276 | |
19 | CRANE | Exceptional | Exceptional | Sound | Strong | Strong | $698 | +0.135% | 199 | |
20 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,831 | +0.432% | 5,510 | |
21 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,932 | +0.269% | 2,061 | |
22 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,447 | +0.019% | 1,219 | |
23 | Union Savings Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $911 | +0.189% | 790 | |
24 | First Financial Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,327 | +0.531% | 700 | |
25 | Centra Credit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $981 | +0.310% | 513 | |
26 | NOTRE DAME FEDERAL CREDIT UNION CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,177 | +0.391% | 466 | |
27 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,204 | +0.161% | 319 | |
28 | Jackson County Bank | Exceptional | Strong | Strong | Strong | Strong | $954 | +0.082% | 272 | |
29 | Heritage Federal Credit Union | Exceptional | Strong | Strong | Strong | Strong | $600 | +0.379% | 267 | |
30 | The State Bank and Trust Company | Exceptional | Strong | Strong | Strong | Strong | $1,054 | +0.162% | 218 | |
31 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,509 | +0.481% | 6,448 | |
32 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,474 | +0.318% | 3,640 | |
33 | MJW FINANCIAL LLC | Strong | Sound | Strong | Strong | Exceptional | $1,611 | +0.383% | 1,221 | |
34 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,137 | +0.526% | 811 | |
35 | Centier Bank | Strong | Sound | Strong | Strong | Exceptional | $655 | +0.522% | 575 | |
36 | FORUM | Strong | Strong | Sound | Sound | Exceptional | $1,106 | +0.052% | 469 | |
37 | Horizon Bank | Strong | Sound | Strong | Strong | Exceptional | $1,577 | +0.440% | 468 | |
38 | 1st Source Bank | Strong | Sound | Strong | Strong | Exceptional | $1,043 | +0.377% | 433 | |
39 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,401 | +0.553% | 322 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,431 | +0.237% | 277 | |
41 | GVC MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,110 | +0.547% | 3,045 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,757 | +0.617% | 2,784 | |
43 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,132 | +0.474% | 1,304 | |
44 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,411 | +0.732% | 1,275 | |
45 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,142 | +0.031% | 458 | |
46 | INTERRA CREDIT UNION | Strong | Sound | Strong | Strong | Strong | $739 | +0.193% | 352 | |
47 | First Farmers Bank & Trust Co. | Strong | Sound | Strong | Strong | Strong | $986 | +0.611% | 284 | |
48 | First Financial Bank, National Association | Strong | Sound | Strong | Strong | Strong | $1,003 | +0.352% | 268 | |
49 | Security Federal Savings Bank | Strong | Sound | Sound | Exceptional | Strong | $742 | +0.365% | 206 | |
50 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $2,310 | +0.460% | 191 |
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)
10
Pricing
Rate and fee competitiveness (25%)
10
Pull Through
Reliability in closing loans (25%)
10
Product
Specialization in the loan type (25%)
10
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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