Safe Rate Rankings

Best Conventional Mortgage Lenders in Muncie

Updated May 22, 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Old National BankBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$824Fees	0.000%Above	44
2	First Merchants BankBank	Exceptional	Strong	Exceptional	Strong	Strong	$974Fees	0.318%Above	63
3	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,577Fees	0.564%Above	242
4	Three Rivers Federal Credit UnionCredit Union	Exceptional	Strong	Exceptional	Strong	Sound	$681Fees	0.105%Above	10
5	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,692Fees	0.738%Above	104
6	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$1,642Fees	0.304%Above	35
7	The Huntington National BankBank	Strong	Strong	Exceptional	Strong	Acceptable	$1,415Fees	0.435%Above	10
8	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,536Fees	0.836%Above	87
9	Northwest BankBank	Strong	Strong	Strong	Sound	Sound	$1,347Fees	0.334%Above	24
10	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,613Fees	0.682%Above	56
11	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,345Fees	0.223%Above	22
12	MJW FINANCIAL LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	Sound	$1,200Fees	0.275%Above	13
13	FINANCIAL CENTER FIRST CREDIT UNIONCredit Union	Strong	Strong	Sound	Sound	Sound	$0Fees	0.291%Below	13
14	FORUMCredit Union	Strong	Strong	Sound	Sound	Sound	$563Fees	0.244%Above	10
15	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Strong	$1,021Fees	0.633%Above	62
16	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,282Fees	0.734%Above	24
17	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,755Fees	0.817%Above	23
18	LOWER, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$1,284Fees	0.423%Above	11
19	MEMBER FIRST MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$2,135Fees	0.816%Above	11
20	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,202Fees	0.671%Above	23
21	STAR Financial BankBank	Strong	Sound	Sound	Sound	Sound	$1,410Fees	0.189%Above	16
22	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$4,262Fees	0.933%Above	10

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.