Top Mortgage Lenders in Fort Wayne, IN

Which mortgage lender in the Fort Wayne, IN area typically has the best rates? To help you narrow down where to shop for a mortgage, provides an objective and data driven ranking of mortgage lenders operating in the Fort Wayne, IN area by interest rate and market share. We maintain our independence by not accepting any compensation from the mortgage lenders we rank, and use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the Fort Wayne, IN area in terms of interest rate is Union Savings Bank, with an average “Rate Difference” of -0.28%. This means that, comparing similar borrowers, Union Savings Bank provided a -0.28% lower interest rate for its customers than other lenders in the area. Union Savings Bank has a market share of 4.8%. On the other hand, the most popular lender in the Fort Wayne, IN area is Ruoff Mortgage, with a larger market share of 21.2%. Ruoff Mortgage is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.04% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the Fort Wayne, IN area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, going by historical data, the cheapest lender for Conventional mortgages in Fort Wayne, IN is Union Savings Bank. If you want to take out a loan that is above conforming limits (above $548,250 or $822,375 depending on the area in 2021), the cheapest Jumbo mortgage provider is Fifth Third Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is Union Savings Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in Fort Wayne, IN

Mortgage Type:
Lender NameRate DifferenceRate RatingMarket Share
Union Savings Bank-0.28%(5.0)4.80%
ProFed Federal Credit Union-0.17%(4.5)4.46%
MidWest America Federal Credit Union-0.16%(4.5)1.31%
Premier Bank-0.15%(4.0)1.30%
Old National Bank-0.12%(4.0)0.79%
Fifth Third Bank-0.11%(4.0)4.40%
Interra Credit Union-0.08%(4.0)0.55%
First Merchants Bank-0.07%(4.0)2.68%
Farmers & Merchants State Bank-0.05%(4.0)0.31%
Beacon Credit Union-0.05%(4.0)0.33%
Navy Federal Credit Union-0.05%(3.5)0.32%
Lake City Bank-0.05%(3.5)0.96%
Partners 1st FCU-0.05%(3.5)1.55%
1st Source Bank-0.04%(3.5)1.05%
Ruoff Mortgage-0.04%(3.5)21.18%
Huntington National Bank-0.04%(3.5)0.53%
State Bank and Trust Company-0.03%(3.5)0.50%
First Federal Savings Bank-0.03%(3.5)1.43%
JPMorgan Chase Bank-0.03%(3.5)3.43%
PNC Bank-0.03%(3.5)1.72%
VanDyk Mortgage Corporation-0.01%(3.5)1.05%
Teachers Credit Union-0.01%(3.5)0.31%
Liberty Savings Bank-0.01%(3.5)0.31%
STAR Financial Bank0.00%(3.5)1.37%
V.I.P. Mortgage Inc0.01%(3.5)0.85%
Guaranteed Rate0.02%(3.5)2.88%
Carrington Mortgage Services0.03%(3.5)0.57%
American Mortgage Service Company0.03%(3.5)1.64%
Centier Bank0.04%(3.5)0.68%
Farm Credit Mid-America0.05%(3.0)0.32%
Caliber Home Loans0.05%(3.0)1.97%
Freedom Mortgage Corporation0.06%(3.0)0.40%
3Rivers Federal Credit Union0.07%(3.0)9.22%
Polaris Home Funding Corp0.07%(3.0)1.06%
Horicon Bank IN0.09%(3.0)0.78%
Diamond Residential Mortgage0.11%(3.0)1.25%
Academy Mortgage Corporation Utah0.13%(3.0)1.20%
Wells Fargo Bank0.14%(3.0)1.40%
Quicken Loans0.15%(3.0)7.30%
Flagstar Bank0.16%(2.5)1.29%
Royal United Mortgage0.17%(2.5)0.32%
Union Home Mortgage0.17%(2.5)2.42%
Mr. Cooper0.22%(2.5)0.82%
Hallmark Home Mortgage0.23%(2.5)5.26%
Lender NameRate DifferenceRate RatingMarket Share
Union Savings Bank-0.19%(4.5)3.67%
ProFed Federal Credit Union-0.17%(4.5)2.90%
Premier Bank-0.15%(4.5)1.56%
MidWest America Federal Credit Union-0.15%(4.0)1.02%
Fifth Third Bank-0.14%(4.0)4.87%
JPMorgan Chase Bank-0.10%(4.0)3.19%
First Merchants Bank-0.09%(4.0)3.07%
Old National Bank-0.09%(4.0)0.64%
PNC Bank-0.08%(4.0)1.10%
1st Source Bank-0.07%(4.0)0.86%
Interra Credit Union-0.07%(4.0)0.49%
Navy Federal Credit Union-0.06%(4.0)0.48%
Huntington National Bank-0.05%(3.5)0.55%
Beacon Credit Union-0.05%(3.5)0.21%
Farmers & Merchants State Bank-0.04%(3.5)0.22%
Ruoff Mortgage-0.04%(3.5)27.57%
State Bank and Trust Company-0.03%(3.5)0.53%
VanDyk Mortgage Corporation-0.03%(3.5)1.25%
Partners 1st FCU-0.02%(3.5)1.02%
Freedom Mortgage Corporation-0.02%(3.5)0.15%
First Federal Savings Bank-0.02%(3.5)1.08%
Lake City Bank-0.02%(3.5)0.91%
Liberty Savings Bank-0.01%(3.5)0.25%
STAR Financial Bank-0.01%(3.5)1.17%
Teachers Credit Union0.01%(3.5)0.27%
V.I.P. Mortgage Inc0.01%(3.5)1.13%
Carrington Mortgage Services0.02%(3.5)0.10%
Mr. Cooper0.02%(3.5)0.24%
3Rivers Federal Credit Union0.03%(3.5)7.14%
Guaranteed Rate0.03%(3.5)3.76%
Royal United Mortgage0.03%(3.5)0.13%
Wells Fargo Bank0.04%(3.5)1.44%
American Mortgage Service Company0.05%(3.5)1.86%
Horicon Bank IN0.06%(3.0)0.77%
Farm Credit Mid-America0.06%(3.0)0.25%
Centier Bank0.07%(3.0)0.92%
Caliber Home Loans0.08%(3.0)1.89%
Quicken Loans0.09%(3.0)3.89%
Polaris Home Funding Corp0.10%(3.0)1.02%
Flagstar Bank0.12%(3.0)1.22%
Diamond Residential Mortgage0.12%(3.0)1.77%
Academy Mortgage Corporation Utah0.17%(2.5)1.60%
Union Home Mortgage0.22%(2.5)3.24%
Hallmark Home Mortgage0.23%(2.5)7.56%
Lender NameRate DifferenceRate RatingMarket Share
Union Savings Bank-0.35%(5.0)6.35%
MidWest America Federal Credit Union-0.17%(4.5)1.69%
ProFed Federal Credit Union-0.16%(4.5)6.59%
Premier Bank-0.14%(4.0)0.94%
Old National Bank-0.14%(4.0)1.00%
Interra Credit Union-0.09%(4.0)0.63%
Lake City Bank-0.09%(4.0)1.04%
Ruoff Mortgage-0.08%(4.0)12.43%
Centier Bank-0.07%(4.0)0.35%
Fifth Third Bank-0.07%(4.0)3.76%
Farmers & Merchants State Bank-0.06%(4.0)0.43%
Partners 1st FCU-0.06%(4.0)2.26%
Beacon Credit Union-0.05%(3.5)0.51%
State Bank and Trust Company-0.04%(3.5)0.45%
Navy Federal Credit Union-0.03%(3.5)0.10%
First Federal Savings Bank-0.03%(3.5)1.91%
Teachers Credit Union-0.03%(3.5)0.37%
Huntington National Bank-0.03%(3.5)0.51%
1st Source Bank-0.02%(3.5)1.30%
First Merchants Bank-0.02%(3.5)2.14%
Guaranteed Rate-0.01%(3.5)1.69%
Liberty Savings Bank-0.01%(3.5)0.39%
Union Home Mortgage0.00%(3.5)1.30%
Academy Mortgage Corporation Utah0.00%(3.5)0.65%
American Mortgage Service Company0.00%(3.5)1.34%
PNC Bank0.01%(3.5)2.56%
STAR Financial Bank0.01%(3.5)1.65%
VanDyk Mortgage Corporation0.02%(3.5)0.77%
Caliber Home Loans0.02%(3.5)2.08%
V.I.P. Mortgage Inc0.03%(3.5)0.47%
Diamond Residential Mortgage0.03%(3.5)0.55%
Carrington Mortgage Services0.03%(3.5)1.20%
Polaris Home Funding Corp0.04%(3.5)1.12%
Farm Credit Mid-America0.05%(3.5)0.41%
JPMorgan Chase Bank0.06%(3.0)3.76%
Freedom Mortgage Corporation0.09%(3.0)0.75%
3Rivers Federal Credit Union0.11%(3.0)12.07%
Horicon Bank IN0.13%(3.0)0.79%
Hallmark Home Mortgage0.17%(2.5)2.12%
Quicken Loans0.17%(2.5)11.96%
Flagstar Bank0.21%(2.5)1.38%
Royal United Mortgage0.22%(2.5)0.57%
Mr. Cooper0.26%(2.0)1.63%
Wells Fargo Bank0.27%(2.0)1.34%
Lender NameRate DifferenceRate RatingMarket Share
Union Savings Bank-0.29%(5.0)5.44%
ProFed Federal Credit Union-0.16%(4.5)5.69%
MidWest America Federal Credit Union-0.16%(4.5)1.67%
Premier Bank-0.14%(4.0)1.61%
Old National Bank-0.13%(4.0)0.85%
Fifth Third Bank-0.11%(4.0)4.98%
Interra Credit Union-0.07%(4.0)0.70%
Ruoff Mortgage-0.07%(4.0)19.55%
First Merchants Bank-0.06%(4.0)3.22%
Farmers & Merchants State Bank-0.05%(3.5)0.40%
Beacon Credit Union-0.04%(3.5)0.43%
Lake City Bank-0.04%(3.5)1.23%
1st Source Bank-0.04%(3.5)1.14%
Partners 1st FCU-0.04%(3.5)1.98%
State Bank and Trust Company-0.03%(3.5)0.59%
JPMorgan Chase Bank-0.02%(3.5)4.27%
First Federal Savings Bank-0.02%(3.5)1.83%
Huntington National Bank-0.02%(3.5)0.44%
PNC Bank-0.02%(3.5)2.07%
Liberty Savings Bank-0.01%(3.5)0.37%
Teachers Credit Union-0.01%(3.5)0.40%
STAR Financial Bank0.01%(3.5)1.68%
V.I.P. Mortgage Inc0.02%(3.5)0.58%
Centier Bank0.05%(3.0)0.83%
Guaranteed Rate0.05%(3.0)2.32%
Farm Credit Mid-America0.06%(3.0)0.37%
Carrington Mortgage Services0.07%(3.0)0.18%
American Mortgage Service Company0.07%(3.0)1.40%
VanDyk Mortgage Corporation0.07%(3.0)0.55%
3Rivers Federal Credit Union0.08%(3.0)11.62%
Caliber Home Loans0.10%(3.0)1.18%
Horicon Bank IN0.10%(3.0)0.91%
Diamond Residential Mortgage0.11%(3.0)0.91%
Freedom Mortgage Corporation0.11%(3.0)0.10%
Polaris Home Funding Corp0.11%(3.0)0.82%
Navy Federal Credit Union0.13%(3.0)0.14%
Wells Fargo Bank0.15%(3.0)1.71%
Union Home Mortgage0.15%(2.5)2.02%
Academy Mortgage Corporation Utah0.20%(2.5)0.85%
Flagstar Bank0.20%(2.5)1.18%
Royal United Mortgage0.23%(2.5)0.29%
Hallmark Home Mortgage0.24%(2.5)4.67%
Quicken Loans0.27%(2.0)5.37%
Mr. Cooper0.38%(1.5)0.48%
Lender NameRate DifferenceRate RatingMarket Share
Union Savings Bank-0.19%(4.5)4.02%
ProFed Federal Credit Union-0.16%(4.5)3.90%
Premier Bank-0.14%(4.0)2.02%
MidWest America Federal Credit Union-0.14%(4.0)1.38%
Fifth Third Bank-0.13%(4.0)5.57%
Old National Bank-0.10%(4.0)0.68%
JPMorgan Chase Bank-0.09%(4.0)4.12%
First Merchants Bank-0.08%(4.0)3.78%
PNC Bank-0.07%(4.0)1.34%
1st Source Bank-0.06%(4.0)0.86%
Interra Credit Union-0.05%(4.0)0.66%
Ruoff Mortgage-0.05%(4.0)25.21%
Beacon Credit Union-0.03%(3.5)0.28%
Farmers & Merchants State Bank-0.03%(3.5)0.30%
State Bank and Trust Company-0.02%(3.5)0.64%
Partners 1st FCU-0.01%(3.5)1.38%
Huntington National Bank-0.01%(3.5)0.42%
First Federal Savings Bank-0.01%(3.5)1.46%
Lake City Bank-0.01%(3.5)1.22%
Liberty Savings Bank-0.00%(3.5)0.32%
STAR Financial Bank0.00%(3.5)1.52%
V.I.P. Mortgage Inc0.01%(3.5)0.62%
Teachers Credit Union0.02%(3.5)0.36%
Mr. Cooper0.02%(3.5)0.08%
Carrington Mortgage Services0.02%(3.5)0.02%
Freedom Mortgage Corporation0.03%(3.5)0.04%
3Rivers Federal Credit Union0.04%(3.5)9.45%
Royal United Mortgage0.05%(3.5)0.06%
Wells Fargo Bank0.06%(3.0)1.84%
Guaranteed Rate0.06%(3.0)3.10%
Farm Credit Mid-America0.07%(3.0)0.32%
Horicon Bank IN0.08%(3.0)0.92%
Centier Bank0.08%(3.0)1.20%
VanDyk Mortgage Corporation0.12%(3.0)0.56%
American Mortgage Service Company0.12%(3.0)1.50%
Diamond Residential Mortgage0.13%(3.0)1.22%
Navy Federal Credit Union0.14%(3.0)0.24%
Flagstar Bank0.15%(3.0)1.14%
Polaris Home Funding Corp0.16%(2.5)0.78%
Caliber Home Loans0.16%(2.5)1.14%
Quicken Loans0.17%(2.5)3.32%
Union Home Mortgage0.22%(2.5)2.58%
Hallmark Home Mortgage0.25%(2.0)6.75%
Academy Mortgage Corporation Utah0.28%(2.0)1.08%
Lender NameRate DifferenceRate RatingMarket Share
Union Savings Bank-0.36%(5.0)7.16%
MidWest America Federal Credit Union-0.17%(4.5)2.02%
ProFed Federal Credit Union-0.16%(4.5)7.86%
Old National Bank-0.16%(4.5)1.05%
Premier Bank-0.14%(4.0)1.12%
Ruoff Mortgage-0.10%(4.0)12.68%
Interra Credit Union-0.09%(4.0)0.75%
Lake City Bank-0.08%(4.0)1.24%
Centier Bank-0.07%(4.0)0.39%
Fifth Third Bank-0.07%(4.0)4.26%
Farmers & Merchants State Bank-0.06%(4.0)0.51%
Partners 1st FCU-0.06%(4.0)2.70%
Beacon Credit Union-0.05%(3.5)0.61%
State Bank and Trust Company-0.03%(3.5)0.54%
Huntington National Bank-0.03%(3.5)0.46%
First Federal Savings Bank-0.03%(3.5)2.29%
Teachers Credit Union-0.03%(3.5)0.44%
1st Source Bank-0.02%(3.5)1.48%
First Merchants Bank-0.02%(3.5)2.53%
Liberty Savings Bank-0.01%(3.5)0.44%
Union Home Mortgage-0.00%(3.5)1.34%
Navy Federal Credit Union0.00%(3.5)0.02%
American Mortgage Service Company0.00%(3.5)1.27%
Academy Mortgage Corporation Utah0.01%(3.5)0.56%
STAR Financial Bank0.01%(3.5)1.87%
PNC Bank0.01%(3.5)2.95%
VanDyk Mortgage Corporation0.02%(3.5)0.54%
Guaranteed Rate0.02%(3.5)1.36%
V.I.P. Mortgage Inc0.03%(3.5)0.54%
Caliber Home Loans0.03%(3.5)1.22%
Diamond Residential Mortgage0.04%(3.5)0.54%
Polaris Home Funding Corp0.05%(3.0)0.88%
Farm Credit Mid-America0.05%(3.0)0.44%
JPMorgan Chase Bank0.06%(3.0)4.45%
Carrington Mortgage Services0.07%(3.0)0.37%
3Rivers Federal Credit Union0.11%(3.0)14.26%
Freedom Mortgage Corporation0.13%(3.0)0.17%
Horicon Bank IN0.14%(3.0)0.90%
Hallmark Home Mortgage0.20%(2.5)2.14%
Royal United Mortgage0.26%(2.0)0.56%
Flagstar Bank0.26%(2.0)1.22%
Wells Fargo Bank0.28%(2.0)1.56%
Quicken Loans0.33%(2.0)7.86%
Mr. Cooper0.42%(1.5)0.97%
Lender NameRate DifferenceRate RatingMarket Share
Union Savings Bank-0.18%(4.5)2.88%
First Merchants Bank-0.15%(4.0)0.61%
Fifth Third Bank-0.13%(4.0)2.11%
Huntington National Bank-0.12%(4.0)0.89%
Premier Bank-0.12%(4.0)0.22%
VanDyk Mortgage Corporation-0.11%(4.0)3.38%
PNC Bank-0.08%(4.0)0.28%
1st Source Bank-0.08%(4.0)0.67%
Quicken Loans-0.08%(4.0)15.64%
American Mortgage Service Company-0.07%(4.0)2.50%
Guaranteed Rate-0.05%(4.0)4.27%
Horicon Bank IN-0.04%(3.5)0.22%
Old National Bank-0.04%(3.5)0.06%
State Bank and Trust Company-0.03%(3.5)0.06%
Liberty Savings Bank-0.03%(3.5)0.11%
3Rivers Federal Credit Union-0.03%(3.5)0.28%
Carrington Mortgage Services-0.02%(3.5)2.22%
V.I.P. Mortgage Inc-0.01%(3.5)1.94%
Centier Bank-0.01%(3.5)0.11%
Polaris Home Funding Corp-0.00%(3.5)2.33%
Ruoff Mortgage0.00%(3.5)30.06%
Royal United Mortgage0.00%(3.5)0.44%
Freedom Mortgage Corporation0.00%(3.5)1.33%
Caliber Home Loans0.02%(3.5)4.71%
JPMorgan Chase Bank0.03%(3.5)0.11%
Academy Mortgage Corporation Utah0.04%(3.5)2.83%
Flagstar Bank0.05%(3.5)1.50%
Mr. Cooper0.06%(3.0)2.33%
Diamond Residential Mortgage0.10%(3.0)3.00%
Union Home Mortgage0.22%(2.5)3.16%
Hallmark Home Mortgage0.22%(2.5)7.76%
Lender NameRate DifferenceRate RatingMarket Share
Union Savings Bank-0.21%(4.5)3.04%
First Merchants Bank-0.16%(4.5)0.84%
Huntington National Bank-0.15%(4.5)0.91%
Fifth Third Bank-0.15%(4.5)2.51%
VanDyk Mortgage Corporation-0.14%(4.0)3.95%
Premier Bank-0.13%(4.0)0.30%
PNC Bank-0.11%(4.0)0.30%
1st Source Bank-0.10%(4.0)0.76%
American Mortgage Service Company-0.08%(4.0)2.97%
Freedom Mortgage Corporation-0.08%(4.0)0.53%
Quicken Loans-0.06%(4.0)6.08%
Guaranteed Rate-0.06%(4.0)5.32%
Horicon Bank IN-0.05%(4.0)0.30%
Old National Bank-0.05%(3.5)0.08%
State Bank and Trust Company-0.05%(3.5)0.08%
Liberty Savings Bank-0.04%(3.5)0.08%
3Rivers Federal Credit Union-0.04%(3.5)0.30%
V.I.P. Mortgage Inc-0.02%(3.5)2.59%
Centier Bank-0.02%(3.5)0.15%
Ruoff Mortgage-0.02%(3.5)37.57%
Carrington Mortgage Services-0.02%(3.5)0.46%
Mr. Cooper-0.01%(3.5)0.76%
Polaris Home Funding Corp0.00%(3.5)1.90%
Royal United Mortgage0.01%(3.5)0.30%
Caliber Home Loans0.02%(3.5)4.03%
Academy Mortgage Corporation Utah0.04%(3.5)3.57%
Flagstar Bank0.05%(3.5)1.67%
Diamond Residential Mortgage0.10%(3.0)3.95%
Union Home Mortgage0.22%(2.5)4.11%
Hallmark Home Mortgage0.22%(2.5)10.11%
Lender NameRate DifferenceRate RatingMarket Share
Union Savings Bank-0.07%(4.0)2.46%
Quicken Loans-0.06%(4.0)41.39%
Guaranteed Rate-0.05%(4.0)1.43%
Fifth Third Bank-0.02%(3.5)1.02%
1st Source Bank-0.02%(3.5)0.41%
Huntington National Bank-0.02%(3.5)0.82%
Academy Mortgage Corporation Utah-0.02%(3.5)0.82%
PNC Bank-0.01%(3.5)0.20%
Liberty Savings Bank-0.01%(3.5)0.20%
American Mortgage Service Company-0.00%(3.5)1.23%
Union Home Mortgage0.00%(3.5)0.61%
Carrington Mortgage Services0.00%(3.5)6.97%
3Rivers Federal Credit Union0.01%(3.5)0.20%
V.I.P. Mortgage Inc0.01%(3.5)0.20%
Polaris Home Funding Corp0.01%(3.5)3.48%
Flagstar Bank0.01%(3.5)1.02%
Royal United Mortgage0.01%(3.5)0.82%
VanDyk Mortgage Corporation0.01%(3.5)1.84%
Diamond Residential Mortgage0.02%(3.5)0.41%
Caliber Home Loans0.04%(3.5)6.56%
Freedom Mortgage Corporation0.06%(3.0)3.48%
JPMorgan Chase Bank0.06%(3.0)0.41%
Hallmark Home Mortgage0.06%(3.0)1.43%
Mr. Cooper0.11%(3.0)6.56%
Ruoff Mortgage0.12%(3.0)9.84%
Lender NameRate DifferenceRate RatingMarket Share
Fifth Third Bank-0.02%(3.5)20.27%
Quicken Loans-0.01%(3.5)2.70%
Old National Bank-0.00%(3.5)14.86%
Centier Bank0.00%(3.5)1.35%
ProFed Federal Credit Union0.00%(3.5)1.35%
3Rivers Federal Credit Union0.00%(3.5)13.51%
STAR Financial Bank0.00%(3.5)9.46%
Ruoff Mortgage0.01%(3.5)1.35%
Wells Fargo Bank0.01%(3.5)2.70%
PNC Bank0.01%(3.5)1.35%
Hallmark Home Mortgage0.01%(3.5)2.70%
State Bank and Trust Company0.01%(3.5)1.35%
Huntington National Bank0.01%(3.5)5.41%
Farm Credit Mid-America0.01%(3.5)4.05%
1st Source Bank0.01%(3.5)5.41%
Horicon Bank IN0.01%(3.5)4.05%
JPMorgan Chase Bank0.02%(3.5)8.11%
Lender NameRate DifferenceRate RatingMarket Share
Fifth Third Bank-0.03%(3.5)24.44%
3Rivers Federal Credit Union-0.01%(3.5)8.89%
Quicken Loans-0.00%(3.5)4.44%
Old National Bank0.00%(3.5)15.56%
Hallmark Home Mortgage0.00%(3.5)2.22%
Ruoff Mortgage0.01%(3.5)2.22%
STAR Financial Bank0.01%(3.5)6.67%
State Bank and Trust Company0.01%(3.5)2.22%
Wells Fargo Bank0.01%(3.5)2.22%
Farm Credit Mid-America0.01%(3.5)2.22%
Huntington National Bank0.01%(3.5)6.67%
1st Source Bank0.02%(3.5)6.67%
Horicon Bank IN0.02%(3.5)2.22%
JPMorgan Chase Bank0.02%(3.5)13.33%
Lender NameRate DifferenceRate RatingMarket Share
Fifth Third Bank-0.01%(3.5)13.79%
Old National Bank-0.01%(3.5)13.79%
STAR Financial Bank-0.00%(3.5)13.79%
Centier Bank-0.00%(3.5)3.45%
ProFed Federal Credit Union-0.00%(3.5)3.45%
Wells Fargo Bank0.00%(3.5)3.45%
PNC Bank0.00%(3.5)3.45%
Huntington National Bank0.00%(3.5)3.45%
1st Source Bank0.00%(3.5)3.45%
3Rivers Federal Credit Union0.01%(3.5)20.69%
Hallmark Home Mortgage0.01%(3.5)3.45%
Horicon Bank IN0.01%(3.5)6.90%
Farm Credit Mid-America0.01%(3.5)6.90%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.16%(4.5)3.60%
Caliber Home Loans-0.09%(4.0)5.55%
First Merchants Bank-0.06%(4.0)1.20%
Union Savings Bank-0.06%(4.0)1.80%
Guaranteed Rate-0.05%(4.0)7.20%
American Mortgage Service Company-0.04%(3.5)2.85%
PNC Bank-0.03%(3.5)0.90%
Old National Bank-0.03%(3.5)0.45%
VanDyk Mortgage Corporation-0.02%(3.5)1.65%
Fifth Third Bank-0.02%(3.5)1.05%
Horicon Bank IN-0.02%(3.5)0.15%
Wells Fargo Bank-0.02%(3.5)0.75%
State Bank and Trust Company-0.02%(3.5)0.30%
1st Source Bank-0.02%(3.5)0.30%
Royal United Mortgage-0.01%(3.5)0.45%
Huntington National Bank-0.01%(3.5)0.30%
3Rivers Federal Credit Union-0.01%(3.5)0.15%
Academy Mortgage Corporation Utah-0.01%(3.5)1.80%
Ruoff Mortgage0.00%(3.5)21.59%
Polaris Home Funding Corp0.00%(3.5)1.05%
Diamond Residential Mortgage0.00%(3.5)1.35%
V.I.P. Mortgage Inc0.01%(3.5)1.65%
JPMorgan Chase Bank0.01%(3.5)0.45%
Carrington Mortgage Services0.01%(3.5)1.50%
Flagstar Bank0.04%(3.5)2.40%
Quicken Loans0.07%(3.0)11.54%
Mr. Cooper0.07%(3.0)1.50%
Freedom Mortgage Corporation0.07%(3.0)2.10%
Hallmark Home Mortgage0.08%(3.0)6.90%
Union Home Mortgage0.18%(2.5)6.15%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.20%(4.5)5.31%
Caliber Home Loans-0.10%(4.0)4.51%
Union Savings Bank-0.09%(4.0)1.59%
First Merchants Bank-0.09%(4.0)1.86%
PNC Bank-0.06%(4.0)0.80%
American Mortgage Service Company-0.05%(4.0)2.92%
VanDyk Mortgage Corporation-0.05%(3.5)1.06%
Wells Fargo Bank-0.04%(3.5)1.06%
Fifth Third Bank-0.04%(3.5)1.59%
Horicon Bank IN-0.04%(3.5)0.27%
State Bank and Trust Company-0.04%(3.5)0.53%
1st Source Bank-0.03%(3.5)0.53%
Freedom Mortgage Corporation-0.03%(3.5)0.27%
Old National Bank-0.03%(3.5)0.27%
Guaranteed Rate-0.03%(3.5)7.43%
Royal United Mortgage-0.02%(3.5)0.53%
3Rivers Federal Credit Union-0.02%(3.5)0.27%
Quicken Loans-0.02%(3.5)3.71%
Huntington National Bank-0.02%(3.5)0.27%
Flagstar Bank-0.01%(3.5)0.80%
V.I.P. Mortgage Inc-0.01%(3.5)2.92%
JPMorgan Chase Bank-0.01%(3.5)0.80%
Diamond Residential Mortgage-0.01%(3.5)1.59%
Polaris Home Funding Corp-0.00%(3.5)1.33%
Mr. Cooper-0.00%(3.5)0.53%
Academy Mortgage Corporation Utah0.00%(3.5)1.86%
Ruoff Mortgage0.03%(3.5)27.06%
Hallmark Home Mortgage0.09%(3.0)10.08%
Union Home Mortgage0.19%(2.5)9.28%
Lender NameRate DifferenceRate RatingMarket Share
Ruoff Mortgage-0.09%(4.0)14.48%
Guaranteed Rate-0.08%(4.0)6.90%
Caliber Home Loans-0.07%(4.0)6.90%
Navy Federal Credit Union-0.05%(3.5)1.38%
Hallmark Home Mortgage-0.02%(3.5)2.76%
Union Savings Bank-0.02%(3.5)2.07%
Academy Mortgage Corporation Utah-0.02%(3.5)1.72%
American Mortgage Service Company-0.01%(3.5)2.76%
Old National Bank-0.01%(3.5)0.69%
PNC Bank-0.01%(3.5)1.03%
Polaris Home Funding Corp-0.00%(3.5)0.69%
VanDyk Mortgage Corporation-0.00%(3.5)2.41%
First Merchants Bank0.00%(3.5)0.34%
Huntington National Bank0.00%(3.5)0.34%
Royal United Mortgage0.00%(3.5)0.34%
Fifth Third Bank0.01%(3.5)0.34%
Diamond Residential Mortgage0.01%(3.5)1.03%
Carrington Mortgage Services0.03%(3.5)3.45%
Wells Fargo Bank0.03%(3.5)0.34%
Union Home Mortgage0.03%(3.5)2.07%
Flagstar Bank0.06%(3.0)4.48%
Freedom Mortgage Corporation0.10%(3.0)4.48%
Mr. Cooper0.10%(3.0)2.76%
Quicken Loans0.10%(3.0)21.72%

* Data is compiled for the Fort Wayne, IN commuting zone area, which comprises of counties of Allen County, IN, De Kalb County, IN, Huntington County, IN, Lagrange County, IN, Noble County, IN, Steuben County, IN, Wells County, IN, and Whitley County, IN. This includes cities/towns/communities of Fort Wayne, IN as well as Huntertown, IN, New Haven, IN, Auburn, IN, Leo-Cedarville, IN, Huntington, IN, Columbia City, IN, Tri-Lakes, IN, Kendallville, IN, Roanoke, IN, Bluffton, IN, Angola, IN, Zanesville, IN, Shipshewana, IN, Avilla, IN, Mount Etna, IN, Ossian, IN, Ligonier, IN, Hudson, IN, Howe, IN, Vera Cruz, IN, Larwill, IN, Hoagland, IN, Orland, IN, Cromwell, IN, Wolcottville, IN, Corunna, IN, Zanesville, IN, Lagrange, IN, St. Joe, IN, Harlan, IN, Clear Lake, IN, Butler, IN, Ashley, IN, Wolcottville, IN, Albion, IN, Poneto, IN, Garrett, IN, Topeka, IN, and Monroeville, IN. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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