Safe Rate Rankings

Best All Lender Mortgage Lenders in Kokomo

Updated May 21, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders27

Total Loans1,089

Median Rate Spread0.52%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	The Huntington National BankBank	Exceptional	Strong	Strong	Exceptional	$604Fees	0.497%Above	67
2	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$4,495Fees	0.018%Above	81
3	Community First Bank of IndianaBank	Strong	Exceptional	Acceptable	Strong	$729Fees	0.234%Below	32
4	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,666Fees	0.539%Above	132
5	SOLIDARITY COMMUNITY Federal Credit UnionCredit Union	Strong	Strong	Acceptable	Exceptional	$564Fees	0.378%Above	52
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,263Fees	0.710%Above	95
7	MJW FINANCIAL LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,852Fees	0.757%Above	48
8	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$1,445Fees	0.540%Above	74
9	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$2,825Fees	0.866%Above	112
10	First Farmers Bank & Trust Co.Bank	Strong	Acceptable	Sound	Exceptional	$1,008Fees	0.508%Above	57
11	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,448Fees	0.641%Above	38
12	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$1,454Fees	0.034%Below	37
13	GoodLeap, LLCIndependent Mortgage Company	Strong	Sound	Sound	Sound	$2,726Fees	0.244%Above	22
14	Luminate Home Loans, Inc.Independent Mortgage Company	Sound	Mediocre	Strong	Strong	$2,972Fees	1.036%Above	54

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.