Safe Rate Rankings

Best FHA 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	The Huntington National BankBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$604Fees	0.497%Above	67
2	VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$4,495Fees	0.018%Above	81
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,162Fees	1.291%Above	12
4	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,263Fees	0.710%Above	95
5	GoodLeap, LLCIndependent Mortgage Company	Strong	Strong	Exceptional	Sound	Sound	$2,726Fees	0.244%Above	22
6	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,666Fees	0.539%Above	132
7	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,445Fees	0.540%Above	74
8	MJW FINANCIAL LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Strong	$1,852Fees	0.757%Above	48
9	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,101Fees	0.682%Above	13
10	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$2,825Fees	0.866%Above	112
11	STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,448Fees	0.641%Above	38
12	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$1,991Fees	0.655%Above	17
13	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,639Fees	0.845%Above	16
14	Luminate Home Loans, Inc.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$2,972Fees	1.036%Above	54
15	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,530Fees	0.825%Above	12

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)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

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.