Safe Rate Rankings

Best Credit Union Mortgage Lenders in Indiana

Updated May 28, 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 Lenders334

Total Loans90,243

Median Rate Spread0.38%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	EVERWISE CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Exceptional	$642Fees	0.216%Above	665
2	Elements Financial Federal Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	$1,100Fees	0.112%Above	500
3	LibertyCredit Union	Exceptional	Strong	Exceptional	Exceptional	$999Fees	0.350%Above	869
4	INDIANA MEMBERS CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Exceptional	$1,094Fees	0.280%Below	466
5	INDIANA UNIVERSITY CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	$75Fees	0.059%Above	308
6	Three Rivers Federal Credit UnionCredit Union	Exceptional	Strong	Strong	Exceptional	$994Fees	0.285%Above	1,246
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$702Fees	0.482%Below	475
8	PURDUECredit Union	Exceptional	Strong	Strong	Exceptional	$713Fees	0.158%Above	419
9	CRANECredit Union	Exceptional	Exceptional	Sound	Strong	$698Fees	0.135%Above	199
10	Centra Credit UnionCredit Union	Strong	Sound	Exceptional	Exceptional	$981Fees	0.310%Above	513
11	FORUMCredit Union	Strong	Strong	Sound	Exceptional	$1,106Fees	0.052%Above	469
12	NOTRE DAME FEDERAL CREDIT UNION CORPORATIONCredit Union	Strong	Sound	Exceptional	Exceptional	$1,177Fees	0.391%Above	466
13	Heritage Federal Credit UnionCredit Union	Strong	Strong	Strong	Strong	$600Fees	0.379%Above	267
14	PROFED CREDIT UNIONCredit Union	Strong	Strong	Strong	Strong	$892Fees	0.040%Below	239
15	INTERRA CREDIT UNIONCredit Union	Strong	Sound	Strong	Strong	$739Fees	0.193%Above	352
16	HOOSIER HILLS CREDIT UNIONCredit Union	Strong	Sound	Sound	Strong	$718Fees	0.537%Above	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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.