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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 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 | Union Savings Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,004 | +0.183% | 494 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,607 | +0.279% | 1,801 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $4,291 | +0.004% | 966 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,042 | +0.408% | 531 | |
5 | Elements Financial Federal Credit Union | Exceptional | Exceptional | — | Strong | Exceptional | $1,096 | +0.115% | 452 | |
6 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $696 | +0.264% | 409 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $594 | -0.446% | 137 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,887 | +0.209% | 765 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,950 | +0.346% | 501 | |
10 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $6,197 | -0.533% | 414 | |
11 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,977 | +0.371% | 261 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,428 | -0.038% | 144 | |
13 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,107 | +0.299% | 100 | |
14 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,167 | +0.470% | 731 | |
15 | VICTORY MORTGAGE, L.L.C. | Exceptional | Strong | Strong | Strong | Strong | $628 | -0.050% | 223 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,728 | +0.596% | 117 | |
17 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,132 | +0.567% | 105 | |
18 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,762 | -0.163% | 89 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,533 | +0.386% | 2,281 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,630 | +0.552% | 1,580 | |
21 | MJW FINANCIAL LLC | Strong | Sound | Strong | Strong | Exceptional | $1,564 | +0.354% | 1,020 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,102 | +0.456% | 251 | |
23 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,005 | +0.126% | 128 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,290 | +0.105% | 102 | |
25 | GVC MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,161 | +0.446% | 1,693 | |
26 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,858 | +0.375% | 1,232 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,829 | +0.636% | 804 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,193 | +0.661% | 647 | |
29 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,564 | +0.483% | 274 | |
30 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,196 | +0.363% | 264 | |
31 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,767 | +0.628% | 240 | |
32 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,970 | +0.371% | 83 | |
33 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,874 | +0.701% | 77 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,742 | +0.444% | 520 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,085 | +0.440% | 421 | |
36 | HALLMARK HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,260 | +0.506% | 337 | |
37 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $4,021 | +0.032% | 210 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,227 | +0.652% | 206 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,843 | +0.581% | 135 | |
40 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,686 | +0.297% | 83 | |
41 | CALCON MUTUAL MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Strong | $2,858 | +0.561% | 294 | |
42 | Wolfe Financial, Inc | Strong | Acceptable | Strong | Strong | Strong | $2,466 | +0.748% | 146 | |
43 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,578 | +0.269% | 121 | |
44 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,358 | +0.706% | 94 | |
45 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,907 | +0.772% | 78 | |
46 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,547 | +0.785% | 286 | |
47 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Strong | $3,906 | +0.672% | 238 | |
48 | MILESTONE HOME LENDING, LLC | Sound | Mediocre | Strong | Sound | Exceptional | $3,338 | +0.624% | 235 | |
49 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Strong | $2,175 | +0.631% | 147 | |
50 | First Option Mortgage, LLC | Sound | Mediocre | Strong | Sound | Strong | $4,215 | +0.688% | 131 |
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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