Safe Rate Rankings

Best All Lender Mortgage Lenders in Muncie

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 Lenders26

Total Loans1,001

Median Rate Spread0.46%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Old National BankBank	Exceptional	Exceptional	Strong	Strong	$824Fees	0.000%Above	44
2	First Merchants BankBank	Strong	Strong	Strong	Strong	$974Fees	0.318%Above	63
3	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,577Fees	0.564%Above	242
4	Northwest BankBank	Strong	Strong	Strong	Sound	$1,347Fees	0.334%Above	24
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,692Fees	0.738%Above	104
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$1,642Fees	0.304%Above	35
7	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	$2,345Fees	0.223%Above	22
8	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$2,613Fees	0.682%Above	56
9	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$2,536Fees	0.836%Above	87
10	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,755Fees	0.817%Above	23
11	NEWREZ LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Strong	$1,021Fees	0.633%Above	62
12	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$3,282Fees	0.734%Above	24
13	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Acceptable	Sound	Sound	$3,202Fees	0.671%Above	23

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.