# Best Conventional Mortgage Lenders in Kokomo, IN

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

Compare the top Conventional mortgage lenders in Kokomo, IN. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/kokomo-in/best-mortgage-lenders/conventional-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:** 27
- **Total Loans:** 1,089
- **Median Rate Spread:** 0.5236538461538461%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | The Huntington National Bank | 89 | 63 | 75 | 67 | Bank |
| 2 | RUOFF MORTGAGE COMPANY, INC. | 83 | 46 | 74 | 132 | Independent Mortgage Company |
| 3 | VANDERBILT MORTGAGE AND FINANCE, INC. | 83 | 45 | 68 | 81 | Independent Mortgage Company |
| 4 | PLAZA HOME MORTGAGE, INC. | 83 | 43 | 63 | 74 | Independent Mortgage Company |
| 5 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 95 | Independent Mortgage Company |
| 6 | First Farmers Bank & Trust Co. | 79 | 41 | 63 | 57 | Bank |
| 7 | SOLIDARITY COMMUNITY Federal Credit Union | 79 | 78 | 64 | 52 | Credit Union |
| 8 | Community First Bank of Indiana | 79 | 85 | 62 | 32 | Bank |
| 9 | PNC Bank, National Association | 79 | 75 | 63 | 17 | Bank |
| 10 | KeyBank National Association | 79 | 70 | 66 | 12 | Bank |
| 11 | GVC MORTGAGE, INC. | 75 | 21 | 76 | 112 | Independent Mortgage Company |
| 12 | MJW FINANCIAL LLC | 74 | 49 | 66 | 48 | Independent Mortgage Company |
| 13 | STOCKTON MORTGAGE CORPORATION | 71 | 29 | 65 | 38 | Independent Mortgage Company |
| 14 | UNITED WHOLESALE MORTGAGE, LLC | 70 | 36 | 86 | 16 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 17 | Independent Mortgage Company |
| 16 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 16 | Independent Mortgage Company |
| 17 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 12 | Independent Mortgage Company |
| 18 | GoodLeap, LLC | 64 | 49 | 51 | 22 | Independent Mortgage Company |
| 19 | NEWREZ LLC | 62 | 31 | 58 | 12 | Independent Mortgage Company |
| 20 | STAR Financial Bank | 60 | 51 | 48 | 11 | Bank |
| 21 | Luminate Home Loans, Inc. | 60 | 14 | 66 | 54 | Independent Mortgage Company |
| 22 | Regions Bank | 60 | 39 | 64 | 10 | Bank |
| 23 | FINANCIAL BUILDERS Federal Credit Union | 56 | N/A | 94 | 26 | Credit Union |
| 24 | ROYAL UNITED MORTGAGE LLC | 53 | 4 | 62 | 14 | 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 Kokomo, IN.

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.