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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 USDA Mortgage Company Lenders in Indiana
Updated February 6, 2026
Market Overview
32
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 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,831 | +0.432% | 5,510 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,474 | +0.318% | 3,640 | |
3 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,955 | +0.523% | 1,431 | |
4 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,505 | +0.468% | 867 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,188 | +0.387% | 318 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,447 | +0.019% | 1,219 | |
7 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,283 | +0.618% | 551 | |
8 | MJW FINANCIAL LLC | Strong | Sound | Strong | Strong | Exceptional | $1,611 | +0.383% | 1,221 | |
9 | MORTGAGE MASTERS OF INDIANA, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,482 | +0.319% | 801 | |
10 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,036 | +0.626% | 549 | |
11 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,733 | +0.746% | 442 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,401 | +0.553% | 322 | |
13 | GENEVA FINANCIAL, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,771 | +0.790% | 340 | |
14 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,559 | +0.604% | 1,700 | |
15 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,095 | +0.556% | 653 | |
16 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,851 | +0.832% | 641 | |
17 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,743 | +0.514% | 312 | |
18 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,018 | +0.836% | 256 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,835 | +0.632% | 233 | |
20 | GVC MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,110 | +0.547% | 3,045 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,757 | +0.617% | 2,784 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,411 | +0.732% | 1,275 | |
23 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $2,559 | +0.644% | 1,542 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,158 | +0.696% | 1,396 | |
25 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,201 | +0.791% | 704 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,778 | +0.662% | 475 | |
27 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,008 | +0.555% | 426 | |
28 | Wolfe Financial, Inc | Strong | Mediocre | Exceptional | Strong | Strong | $2,350 | +0.798% | 407 | |
29 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,528 | +0.770% | 288 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,960 | +0.772% | 283 | |
31 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $3,095 | +0.725% | 501 | |
32 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Strong | $2,822 | +0.628% | 482 |
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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