Safe Rate Rankings

Best Mortgage Lenders in Fort Wayne

Updated June 4, 2026

Rankings are a starting point, not a verdict. Safe Rate recommends speaking with 2-3 lenders to find the right fit for your home loan!

⚖️ 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 Lenders73

Total Loans6,395

Median Rate Spread0.39%

Fort Wayne Market Insights

Three Rivers Federal Credit Union is Safe Rate's top-ranked lender in Fort Wayne, leading the composite scorecard across pricing, pullthrough, products, and local expertise.
Top-ranked by institution type in Fort Wayne: Bank: Old National Bank (#3). Credit union: Three Rivers Federal Credit Union (#1). Mortgage company: Ruoff Mortgage Company (#5).
There is often a pricing vs. pullthrough tradeoff in mortgage lending. In Fort Wayne, Navy Federal Credit Union and Old National Bank scores highest on pricing while Rocket Mortgage and United Wholesale Mortgage leads on likelihood to close. That is why we encourage speaking with multiple lenders.
United Wholesale Mortgage (UWM) ranks #10 in Fort Wayne, serving as the platform behind many independent local brokers who live and work in the community. A local broker knows the neighborhoods, the local market, and is personally invested in your outcome. Real estate agents often prefer referring local brokers for their accessibility and responsiveness, qualities that matter when a deal is moving fast. Pricing and experience can vary by broker.
Popular names in Fort Wayne: Rocket Mortgage (#9) and Three Rivers Federal Credit Union (#1).

Explore Rankings by Type

By Loan Product

Lenders often score differently for different loan products. Get tailored rankings by selecting your product type.

FHA Loans Conventional Loans VA Loans Jumbo Loans USDA Loans

By Institution Type

Some consumers only want to work with a credit union, bank, or focused mortgage company. See our rankings here!

Banks Credit Unions Mortgage Companies

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Three Rivers Federal Credit Union Credit UnionDirect	Exceptional	Strong	Strong	Exceptional	$984Fees	0.269%Above	852
2	EVERWISE CREDIT UNION Credit UnionDirect	Strong	Exceptional	Strong	Strong	$669Fees	0.133%Above	129
3	Old National Bank BankDirect	Strong	Exceptional	Strong	Strong	$877Fees	0.130%Below	76
4	First Merchants Bank BankDirect	Strong	Strong	Strong	Strong	$1,195Fees	0.284%Above	221
5	RUOFF MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect	Strong	Sound	Strong	Exceptional	$1,954Fees	0.384%Above	873
6	Union Savings Bank BankDirect	Strong	Sound	Strong	Strong	$798Fees	0.202%Above	151
7	PROFED CREDIT UNION Credit UnionDirect	Strong	Strong	Strong	Exceptional	$917Fees	0.073%Below	149
8	NAVY FEDERAL CREDIT UNION Credit UnionDirect	Strong	Exceptional	Sound	Sound	$1,077Fees	0.585%Below	34
9	ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Acceptable*	Exceptional	Strong	$3,657Fees	0.525%Above	313
10	UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale	Strong	Sound*	Exceptional	Strong	$2,265Fees	0.157%Above	138
11	Fifth Third Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$1,044Fees	0.323%Above	175
12	JPMorgan Chase Bank, National Association BankDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,086Fees	0.308%Above	182
13	PNC Bank, National Association BankDirect	Strong	Strong	Strong	Strong	$319Credit	0.201%Above	64
14	The State Bank and Trust Company BankDirect	Strong	Strong	Strong	Sound	$1,089Fees	0.060%Above	22
15	Nations Lending Corporation Independent Mortgage CompanyDirect	Strong	Acceptable	Exceptional	Strong	$4,337Fees	0.713%Above	85
16	HALLMARK HOME MORTGAGE, LLC Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	$2,623Fees	0.602%Above	286
17	LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Strong	$2,554Fees	0.608%Above	76
18	1st Source Bank BankDirect	Strong	Sound	Strong	Strong	$1,065Fees	0.407%Above	48
19	The Huntington National Bank BankDirect	Strong	Strong	Strong	Sound	$1,806Fees	0.482%Above	28
20	NOTRE DAME FEDERAL CREDIT UNION CORPORATION Credit UnionDirect	Strong	Sound	Exceptional	Sound	$1,621Fees	0.498%Above	27
21	GVC MORTGAGE, INC. Independent Mortgage CompanyDirect	Strong	Mediocre	Exceptional	Exceptional	$3,358Fees	0.640%Above	257
22	MidWest America Federal Credit Union Credit UnionDirect	Strong	Sound	Sound	Strong	$980Fees	0.449%Above	96
23	Flagstar Bank, N.A. BankDirect & Wholesale	Strong	Acceptable*	Strong	Strong	$2,604Fees	0.326%Above	92
24	FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale	Strong	Sound*	Strong	Sound	$3,038Fees	0.668%Above	57
25	Premier Bank BankDirect	Sound	Sound	Strong	Sound	$847Fees	0.045%Above	22
26	STOCKTON MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$1,778Fees	0.485%Above	216
27	FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Strong	$3,062Fees	0.777%Above	109
28	V.I.P. MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Strong	$2,570Fees	0.694%Above	69
29	PARTNERS 1ST Federal Credit Union Credit UnionDirect	Sound	Exceptional	Acceptable	Strong	$732Fees	0.076%Above	43
30	PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Sound*	Strong	Sound	$2,207Fees	0.283%Below	29
31	Wells Fargo Bank, National Association BankDirect	Sound	Strong	Sound	Sound	$2,126Fees	0.196%Above	27
32	Mortgage Research Center, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Strong	$1,626Fees	1.002%Above	103
33	DIAMOND RESIDENTIAL MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$2,970Fees	0.593%Above	83
34	MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Exceptional	Sound	$3,122Fees	0.793%Above	29
35	GENEVA FINANCIAL, LLC Independent Mortgage CompanyDirect	Sound	Mediocre	Exceptional	Strong	$2,527Fees	0.662%Above	103
36	FORT FINANCIAL Federal Credit Union Credit UnionDirect	Sound	Sound	Acceptable	Strong	$1,455Fees	0.353%Above	73
37	STAR Financial Bank BankDirect	Sound	Sound	Sound	Strong	$1,521Fees	0.198%Above	52
38	GoodLeap, LLC Independent Mortgage CompanyDirect	Sound	Sound	Sound	Sound	$3,427Fees	0.062%Above	26
39	LOWER, LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$1,854Fees	0.418%Above	41
40	UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Exceptional	Sound	$2,346Fees	0.893%Above	31
41	MICHIGAN MUTUAL, INC. Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Strong	Sound	$1,578Fees	0.509%Above	23
42	POLARIS HOME FUNDING CORP. Independent Mortgage CompanyDirect	Sound	Mediocre	Strong	Strong	$3,642Fees	0.617%Above	51
43	NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale	Sound	Acceptable*	Sound	Sound	$1,412Fees	0.469%Above	48
44	CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$3,468Fees	0.607%Above	37
45	VAN DYK MORTGAGE CORPORATION Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$2,028Fees	0.627%Above	35
46	Lake City Bank BankDirect	Sound	Sound	Sound	Sound	$1,450Fees	0.219%Above	24
47	The Farmers & Merchants State Bank BankDirect	Sound	Sound	Sound	Sound	$1,614Fees	0.387%Above	20
48	NATIONSTAR MORTGAGE LLC Independent Mortgage CompanyDirect	Sound	Acceptable	Strong	Sound	$2,600Fees	0.554%Above	33
49	USAA Federal Savings Bank BankDirect	Sound	Sound	Sound	Sound	$1,293Fees	0.202%Below	23
50	Fire Police City County Federal Credit Union Credit UnionDirect	Sound	Sound	Acceptable	Strong	$1,207Fees	0.428%Above	24

❓ Frequently Asked Questions

How are mortgage lenders ranked in Fort Wayne, IN?+

Safe Rate ranks lenders using the 4 Ps framework, derived entirely from HMDA (Home Mortgage Disclosure Act) data: Pricing (how competitively a lender prices loans vs. the market benchmark), Pullthrough (how effectively a lender closes applications), Place (the lender's depth of expertise in Fort Wayne, IN), and Product (performance on specific loan types). Each lender receives a composite Safe Rate Score from 0–100. No lender pays to appear in the rankings.

What is the Safe Rate Score?+

The Safe Rate Score is a 0–100 composite index measuring a lender's performance across Pricing, Pullthrough, Place, and Product. Scores of 80 or above earn Champion status; scores of 60–79 earn Superstar status. All scores are calculated from verified HMDA data — no lender can pay to improve their position.

How many mortgage lenders are active in Fort Wayne, IN?+

Based on 2024 HMDA data, 73 lenders originated a combined 6,395 loans in Fort Wayne, IN. Safe Rate's rankings evaluate all of them — not just a curated shortlist.

What does the rate spread tell me about a lender in Fort Wayne, IN?+

Rate spread measures how much above the Average Prime Offer Rate (APOR) a lender charges. The median rate spread in Fort Wayne, IN is 0.39%. Lenders in Safe Rate's top rankings consistently price below this median, meaning borrowers typically pay less interest over the life of their loan.

What is HMDA data and why does Safe Rate use it?+

HMDA (Home Mortgage Disclosure Act) is a federal law requiring every mortgage lender to disclose every loan application annually — including rates, amounts, approvals, and denials. Safe Rate uses HMDA because it is government-verified, covers all lenders equally, and cannot be gamed. It is the most objective foundation available for lender rankings.

Does Safe Rate accept payment from lenders to appear in rankings?+

No. Safe Rate rankings are strictly data-driven. No lender can pay to appear in or improve their position in Safe Rate's rankings. The only factor that determines a lender's rank is their verified HMDA performance data.

What is the difference between a bank, credit union, and independent mortgage company?+

Banks and credit unions offer mortgages alongside checking, savings, and other products. Independent Mortgage Companies (IMCs) focus exclusively on originating loans and often offer more product variety and speed. In Fort Wayne, IN's rankings, all three institution types are evaluated on the same HMDA performance metrics.

How We Rank Lenders

Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.

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.

⚖️ Licensing & Disclosures

Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.