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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 Jumbo 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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $748 | +0.226% | 309 | |
2 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $787 | +0.353% | 1,342 | |
3 | Old National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $855 | -0.103% | 1,017 | |
4 | EVERWISE CREDIT UNION | Exceptional | Exceptional | — | Strong | Exceptional | $642 | +0.216% | 665 | |
5 | Elements Financial Federal Credit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,100 | +0.112% | 500 | |
6 | INDIANA MEMBERS CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,094 | -0.280% | 466 | |
7 | Three Rivers Federal Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $994 | +0.285% | 1,246 | |
8 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | — | Strong | Strong | $632 | -0.030% | 254 | |
9 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,509 | +0.481% | 6,448 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,474 | +0.318% | 3,640 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,932 | +0.269% | 2,061 | |
12 | First Financial Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,327 | +0.531% | 700 | |
13 | Jackson County Bank | Exceptional | Strong | Strong | Strong | Strong | $954 | +0.082% | 272 | |
14 | Centier Bank | Strong | Sound | Strong | Strong | Exceptional | $655 | +0.522% | 575 | |
15 | FORUM | Strong | Strong | — | Sound | Exceptional | $1,106 | +0.052% | 469 | |
16 | Horizon Bank | Strong | Sound | Strong | Strong | Exceptional | $1,577 | +0.440% | 468 | |
17 | 1st Source Bank | Strong | Sound | Strong | Strong | Exceptional | $1,043 | +0.377% | 433 | |
18 | Regions Bank | Strong | Sound | Exceptional | Strong | Strong | $1,570 | +0.473% | 376 | |
19 | Merchants Bank of Indiana | Strong | Sound | Strong | Exceptional | Strong | $1,347 | +0.237% | 232 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,757 | +0.617% | 2,784 | |
21 | First Merchants Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,223 | +0.290% | 956 | |
22 | Union Savings Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $911 | +0.189% | 790 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,158 | +0.696% | 1,396 | |
24 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,093 | +0.440% | 951 | |
25 | Liberty | Strong | Acceptable | Strong | Strong | Exceptional | $999 | +0.350% | 869 | |
26 | First Federal Savings Bank | Strong | Acceptable | Strong | Strong | Exceptional | $1,431 | +0.614% | 499 | |
27 | STAR Financial Bank | Strong | Sound | Strong | Sound | Strong | $1,264 | +0.144% | 227 | |
28 | Security Federal Savings Bank | Strong | Sound | — | Sound | Strong | $742 | +0.365% | 206 | |
29 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $1,965 | +0.449% | 483 | |
30 | Farm Credit Mid-America, ACA | Sound | Mediocre | Exceptional | Sound | Strong | $4,928 | +0.521% | 352 |
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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