# Best Conventional Mortgage Lenders in Muncie, IN

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

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

> **Canonical URL:** https://saferate.com/muncie-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:** 26
- **Total Loans:** 1,001
- **Median Rate Spread:** 0.4643333333333333%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | Old National Bank | 89 | 84 | 69 | 44 | Bank |
| 2 | First Merchants Bank | 85 | 69 | 70 | 63 | Bank |
| 3 | RUOFF MORTGAGE COMPANY, INC. | 83 | 46 | 74 | 242 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 104 | Independent Mortgage Company |
| 5 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 35 | Bank |
| 6 | Three Rivers Federal Credit Union | 79 | 66 | 76 | 10 | Credit Union |
| 7 | GVC MORTGAGE, INC. | 75 | 21 | 76 | 87 | Independent Mortgage Company |
| 8 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 56 | Independent Mortgage Company |
| 9 | The Huntington National Bank | 71 | 63 | 75 | 10 | Bank |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 70 | 36 | 86 | 22 | Independent Mortgage Company |
| 11 | Northwest Bank | 69 | 71 | 57 | 24 | Bank |
| 12 | MJW FINANCIAL LLC | 69 | 49 | 66 | 13 | Independent Mortgage Company |
| 13 | NEWREZ LLC | 66 | 31 | 58 | 62 | Independent Mortgage Company |
| 14 | CROSSCOUNTRY MORTGAGE, LLC | 66 | 21 | 74 | 24 | Independent Mortgage Company |
| 15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 23 | Independent Mortgage Company |
| 16 | LOWER, LLC | 66 | 33 | 66 | 11 | Independent Mortgage Company |
| 17 | FINANCIAL CENTER FIRST CREDIT UNION | 64 | 79 | 55 | 13 | Credit Union |
| 18 | MEMBER FIRST MORTGAGE, LLC | 64 | 47 | 43 | 11 | Independent Mortgage Company |
| 19 | FORUM | 64 | 76 | 48 | 10 | Credit Union |
| 20 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 23 | Independent Mortgage Company |
| 21 | STAR Financial Bank | 60 | 51 | 48 | 16 | Bank |
| 22 | NATIONSTAR MORTGAGE LLC | 60 | 27 | 64 | 10 | Independent Mortgage Company |
| 23 | Thrive Federal Credit Union | 50 | N/A | 100 | 25 | Credit Union |

## 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 Muncie, 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.