Safe Rate Rankings

Best All Lender Mortgage Lenders in Terre Haute

Updated May 24, 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 Loans1,420

Median Rate Spread0.56%

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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	$564Fees	0.345%Above	39
2	The Riddell National BankBank	Strong	Strong	Sound	Exceptional	$965Fees	0.136%Above	92
3	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Strong	$549Fees	0.705%Above	69
4	CRANECredit Union	Strong	Exceptional	Sound	Sound	$761Fees	0.200%Above	21
5	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$1,454Fees	0.572%Above	239
6	First Financial Bank, National AssociationBank	Strong	Sound	Strong	Exceptional	$960Fees	0.350%Above	200
7	The Huntington National BankBank	Strong	Strong	Strong	Sound	$1,465Fees	0.595%Above	20
8	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,240Fees	0.719%Above	171
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,649Fees	0.670%Above	159
10	INDIANA STATE UNIVERSITY FEDERAL CREDIT UNIONCredit Union	Strong	Strong	Acceptable	Strong	$399Fees	0.278%Above	23
11	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	$3,465Fees	0.774%Above	61
12	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$1,682Fees	1.053%Above	22
13	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$610Fees	0.706%Above	63
14	First Farmers Bank & Trust Co.Bank	Sound	Acceptable	Sound	Strong	$801Fees	0.832%Above	38
15	Wolfe Financial, IncIndependent Mortgage Company	Sound	Mediocre	Sound	Strong	$1,659Fees	0.997%Above	42

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.