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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 VA 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 | Union Savings Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $911 | +0.189% | 790 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,474 | +0.318% | 3,640 | |
3 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | $787 | +0.353% | 1,342 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $4,447 | +0.019% | 1,219 | |
5 | Old National Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $855 | -0.103% | 1,017 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,132 | +0.474% | 1,304 | |
7 | MORTGAGE MASTERS OF INDIANA, INC. | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,482 | +0.319% | 801 | |
8 | EVERWISE CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Exceptional | $642 | +0.216% | 665 | |
9 | Elements Financial Federal Credit Union | Exceptional | Exceptional | — | Strong | Exceptional | $1,100 | +0.112% | 500 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $702 | -0.482% | 475 | |
11 | KeyBank National Association | Exceptional | Exceptional | Strong | Strong | Strong | $1,128 | +0.214% | 276 | |
12 | University Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,643 | +0.261% | 270 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,932 | +0.269% | 2,061 | |
14 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,260 | +0.437% | 982 | |
15 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,093 | +0.440% | 951 | |
16 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,142 | +0.031% | 458 | |
17 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,733 | +0.746% | 442 | |
18 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,188 | +0.387% | 318 | |
19 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $748 | +0.226% | 309 | |
20 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,955 | +0.523% | 1,431 | |
21 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,036 | +0.626% | 549 | |
22 | German American Bank | Exceptional | Strong | Strong | Sound | Exceptional | $804 | +0.148% | 511 | |
23 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,778 | +0.662% | 475 | |
24 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $6,197 | -0.533% | 414 | |
25 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,726 | -0.149% | 281 | |
26 | VICTORY MORTGAGE, L.L.C. | Exceptional | Strong | Strong | Strong | Strong | $632 | -0.030% | 254 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,835 | +0.632% | 233 | |
28 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,509 | +0.481% | 6,448 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,757 | +0.617% | 2,784 | |
30 | MJW FINANCIAL LLC | Strong | Sound | Strong | Strong | Exceptional | $1,611 | +0.383% | 1,221 | |
31 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,137 | +0.526% | 811 | |
32 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,965 | +0.449% | 483 | |
33 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,401 | +0.553% | 322 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,431 | +0.237% | 277 | |
35 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,679 | +0.378% | 230 | |
36 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,831 | +0.432% | 5,510 | |
37 | GVC MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,110 | +0.547% | 3,045 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,559 | +0.604% | 1,700 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,411 | +0.732% | 1,275 | |
40 | Centier Bank | Strong | Sound | — | Strong | Exceptional | $655 | +0.522% | 575 | |
41 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,283 | +0.618% | 551 | |
42 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,008 | +0.555% | 426 | |
43 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,204 | +0.161% | 319 | |
44 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,203 | +0.378% | 289 | |
45 | HALLMARK HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,559 | +0.644% | 1,542 | |
46 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,158 | +0.696% | 1,396 | |
47 | Liberty | Strong | Acceptable | Strong | Strong | Exceptional | $999 | +0.350% | 869 | |
48 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,505 | +0.468% | 867 | |
49 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,095 | +0.556% | 653 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,851 | +0.832% | 641 |
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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