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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 Indianapolis
Updated February 5, 2026
Market Overview
197
Total Lenders
32,863
Total Loans
0.35%
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 | $582 | +0.150% | 121 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,012 | -0.044% | 102 | |
3 | Elements Financial Federal Credit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,096 | +0.115% | 452 | |
4 | INDIANA MEMBERS CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,106 | -0.235% | 323 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $696 | +0.264% | 409 | |
6 | Old National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $863 | -0.418% | 342 | |
7 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | — | Strong | Strong | $628 | -0.050% | 223 | |
8 | EVERWISE CREDIT UNION | Exceptional | Exceptional | — | Strong | Strong | $430 | +0.201% | 109 | |
9 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,533 | +0.386% | 2,281 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,607 | +0.279% | 1,801 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,887 | +0.209% | 765 | |
12 | Jackson County Bank | Exceptional | Strong | Strong | Strong | Strong | $1,174 | +0.154% | 80 | |
13 | FORUM | Strong | Strong | — | Sound | Exceptional | $1,168 | +0.018% | 411 | |
14 | Merchants Bank of Indiana | Strong | Sound | Strong | Exceptional | Strong | $1,383 | +0.156% | 192 | |
15 | Regions Bank | Strong | Sound | Exceptional | Strong | Strong | $1,401 | +0.415% | 165 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630 | +0.552% | 1,580 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,829 | +0.636% | 804 | |
18 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,042 | +0.408% | 531 | |
19 | Union Savings Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,004 | +0.183% | 494 | |
20 | Centier Bank | Strong | Sound | Strong | Strong | Strong | $569 | +0.554% | 105 | |
21 | First Merchants Bank | Strong | Acceptable | Exceptional | Strong | Strong | $976 | +0.254% | 254 | |
22 | STAR Financial Bank | Strong | Sound | Strong | Sound | Strong | $1,050 | +0.063% | 89 |
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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