# Best VA Mortgage Lenders in Indianapolis

**As of:** 2026-05-22

Compare the top VA mortgage lenders in Indianapolis. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/indianapolis/best-mortgage-lenders/va-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 197
- **Total Loans:** 32,863
- **Median Rate Spread:** 0.3450880829015544%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | UNITED WHOLESALE MORTGAGE, LLC | 95 | 64 | 83 | 1,801 | Independent Mortgage Company |
| 2 | VANDERBILT MORTGAGE AND FINANCE, INC. | 95 | 79 | 86 | 966 | Independent Mortgage Company |
| 3 | Union Savings Bank | 95 | 85 | 80 | 494 | Bank |
| 4 | The Huntington National Bank | 89 | 77 | 63 | 531 | Bank |
| 5 | M/I FINANCIAL, LLC | 88 | 52 | 81 | 414 | Independent Mortgage Company |
| 6 | FREEDOM MORTGAGE CORPORATION | 85 | 61 | 63 | 501 | Independent Mortgage Company |
| 7 | Fifth Third Bank, National Association | 85 | 81 | 60 | 409 | Bank |
| 8 | GUARANTEED RATE, INC. | 85 | 79 | 70 | 261 | Independent Mortgage Company |
| 9 | PENNYMAC LOAN SERVICES, LLC | 85 | 61 | 62 | 144 | Independent Mortgage Company |
| 10 | Prosperity Home Mortgage, LLC | 85 | 64 | 73 | 100 | Independent Mortgage Company |
| 11 | JPMorgan Chase Bank, National Association | 83 | 75 | 54 | 765 | Bank |
| 12 | NEWREZ LLC | 83 | 47 | 63 | 731 | Independent Mortgage Company |
| 13 | Elements Financial Federal Credit Union | 83 | 80 | 61 | 452 | Credit Union |
| 14 | NAVY FEDERAL CREDIT UNION | 83 | 91 | 59 | 137 | Credit Union |
| 15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | 83 | 48 | 82 | 117 | Independent Mortgage Company |
| 16 | CMG MORTGAGE, INC. | 83 | 54 | 81 | 105 | Independent Mortgage Company |
| 17 | VICTORY MORTGAGE, L.L.C. | 80 | 67 | 74 | 223 | Independent Mortgage Company |
| 18 | ROCKET MORTGAGE, LLC | 80 | 29 | 81 | 2,281 | Independent Mortgage Company |
| 19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 80 | 33 | 83 | 1,580 | Independent Mortgage Company |
| 20 | MJW FINANCIAL LLC | 79 | 57 | 63 | 1,020 | Independent Mortgage Company |
| 21 | LOANDEPOT.COM, LLC | 79 | 53 | 69 | 251 | Independent Mortgage Company |
| 22 | MUTUAL OF OMAHA MORTGAGE, INC. | 79 | 46 | 60 | 102 | Independent Mortgage Company |
| 23 | USAA Federal Savings Bank | 79 | 62 | 58 | 89 | Bank |
| 24 | GVC MORTGAGE, INC. | 75 | 24 | 82 | 1,693 | Independent Mortgage Company |
| 25 | RUOFF MORTGAGE COMPANY, INC. | 75 | 38 | 74 | 1,232 | Independent Mortgage Company |
| 26 | CROSSCOUNTRY MORTGAGE, LLC | 75 | 32 | 71 | 804 | Independent Mortgage Company |
| 27 | UNION HOME MORTGAGE CORP. | 75 | 25 | 79 | 647 | Independent Mortgage Company |
| 28 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 75 | 30 | 83 | 274 | Independent Mortgage Company |
| 29 | FIRST COMMUNITY MORTGAGE, INC. | 75 | 39 | 83 | 240 | Independent Mortgage Company |
| 30 | HOWARD HANNA FINANCIAL SERVICES, INC. | 74 | 59 | 72 | 264 | Independent Mortgage Company |
| 31 | FIRST EQUITY MORTGAGE INCORPORATED | 74 | 61 | 50 | 128 | Independent Mortgage Company |
| 32 | THE LOAN STORE, INC. | 73 | 51 | 75 | 83 | Independent Mortgage Company |
| 33 | PLAZA HOME MORTGAGE, INC. | 73 | 42 | 63 | 77 | Independent Mortgage Company |
| 34 | Mortgage Research Center, LLC | 71 | 34 | 61 | 520 | Independent Mortgage Company |
| 35 | GUILD MORTGAGE COMPANY LLC | 71 | 22 | 77 | 421 | Independent Mortgage Company |
| 36 | HALLMARK HOME MORTGAGE, LLC | 71 | 21 | 76 | 337 | Independent Mortgage Company |
| 37 | NATIONSTAR MORTGAGE LLC | 71 | 20 | 69 | 206 | Independent Mortgage Company |
| 38 | LOWER, LLC | 71 | 25 | 63 | 135 | Independent Mortgage Company |
| 39 | FLAT BRANCH MORTGAGE, INC. | 70 | 37 | 85 | 83 | Independent Mortgage Company |
| 40 | GoodLeap, LLC | 69 | 50 | 55 | 210 | Independent Mortgage Company |
| 41 | CALCON MUTUAL MORTGAGE LLC | 67 | 25 | 62 | 294 | Independent Mortgage Company |
| 42 | Wolfe Financial, Inc | 67 | 31 | 63 | 146 | Independent Mortgage Company |
| 43 | CARRINGTON MORTGAGE SERVICES, LLC | 66 | 26 | 51 | 121 | Independent Mortgage Company |
| 44 | AMERISAVE MORTGAGE CORPORATION | 63 | 21 | 42 | 94 | Independent Mortgage Company |
| 45 | Ixonia Bank | 60 | 15 | 73 | 78 | Bank |
| 46 | NEW AMERICAN FUNDING, LLC | 56 | 19 | 58 | 286 | Independent Mortgage Company |
| 47 | The Federal Savings Bank | 56 | 9 | 54 | 238 | Bank |
| 48 | MILESTONE HOME LENDING, LLC | 56 | 16 | 57 | 235 | Independent Mortgage Company |
| 49 | ROYAL UNITED MORTGAGE LLC | 53 | 5 | 56 | 147 | Independent Mortgage Company |
| 50 | First Option Mortgage, LLC | 53 | 10 | 60 | 131 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Indianapolis.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.