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iAdvertiser Disclosure Advertiser DisclosureSome lenders listed may have a business relationship with MonitorBankRates. Rankings come only from federal loan counts, and health grades come from our own rating system. Advertiser relationships do not influence the order of the list, the grades, or the reviews shown.

Mortgage Lenders and Brokers in Muncie, Indiana

Muncie, Indiana mortgage lenders include First Merchants BankFirst Merchants Bank1501 N Nebo Rd, Muncie, IN 47304A+5.0 ★Texas Ratio: 4.12%, Thrive FCUThrive FCU2610 N Wheeling Ave, Muncie, IN 47303A+5.0 ★Texas Ratio: 5.88%, Old National BankOld National Bank3100 N Morrison Rd, Muncie, IN 47304A+5.0 ★Texas Ratio: 4.98%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1635 W Mcgalliard Rd, Muncie, IN 47304A+5.0 ★Texas Ratio: 3.68%, Northwest BankNorthwest Bank1912 W Mcgalliard Rd, Muncie, IN 47304A+5.0 ★Texas Ratio: 3.99%, Star Financial BankStar Financial Bank400 N High St, Muncie, IN 47305A+5.0 ★Texas Ratio: 2.87%, PrimeTrust Financial Federal CPrimeTrust Financial Federal CMuncie, IN, Financial Center First Credit UnionFinancial Center First Credit Union2900 N Oakwood Ave, Muncie, IN 47304 2273A+5.0 ★Texas Ratio: 4.51%, Fifth Third Bank, National AssociationFifth Third Bank, National Association100 Growth Pkwy, Angola, IN 46703A+5.0 ★Texas Ratio: 3.22%, and FORUM Credit UnionFORUM Credit Union9114 E US Highway 36, Avon, IN 46123 7772A+5.0 ★Texas Ratio: 1.80%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Muncie, Indiana in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Muncie are listed first, then lenders elsewhere in Indiana, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Muncie, Indiana

Market share is the lender's share of all home loans closed in Muncie, Indiana. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

LenderProgramsLoans closedMarket shareApproval shareAverage loanView
5 offices in Muncie
1501 N Nebo Rd, Muncie, IN 47304
A+5.0 ★Texas Ratio: 4.12%
Conventional, FHA, HELOC 50
+72 HELOCs
4.8% 82% $89,000 View
2610 N Wheeling Ave, Muncie, IN 47303
A+5.0 ★Texas Ratio: 5.88%
Conventional 37 3.6% 97.4% $62,027 View
4 offices in Muncie
3100 N Morrison Rd, Muncie, IN 47304
A+5.0 ★Texas Ratio: 4.98%
Conventional, FHA, HELOC 35
+14 HELOCs
3.4% 89.7% $151,285 View
2 offices in Muncie
1635 W Mcgalliard Rd, Muncie, IN 47304
A+5.0 ★Texas Ratio: 3.68%
Conventional, FHA, HELOC 32
+1 HELOCs
3.1% 97% $122,812 View
3 offices in Muncie
1912 W Mcgalliard Rd, Muncie, IN 47304
A+5.0 ★Texas Ratio: 3.99%
Conventional, HELOC 26
+28 HELOCs
2.5% 81.2% $146,538 View
3 offices in Muncie
400 N High St, Muncie, IN 47305
A+5.0 ★Texas Ratio: 2.87%
Conventional, HELOC 7
+21 HELOCs
0.7% 56.2% $212,142 View
PrimeTrust Financial Federal C
Conventional 27 2.6% 77.1% $44,259
2900 N Oakwood Ave, Muncie, IN 47304 2273
A+5.0 ★Texas Ratio: 4.51%
Conventional 20 1.9% 72.4% $67,000 View
100 Growth Pkwy, Angola, IN 46703
A+5.0 ★Texas Ratio: 3.22%
Conventional, FHA, HELOC 9
+5 HELOCs
0.9% 64.3% $126,111 View
9114 E US Highway 36, Avon, IN 46123 7772
A+5.0 ★Texas Ratio: 1.80%
Conventional, HELOC 8
+1 HELOCs
0.8% 88.9% $137,500 View
101 S Harrison St, Alexandria, IN 46001
A+5.0 ★Texas Ratio: 3.66%
Conventional, HELOC 7
+6 HELOCs
0.7% 77.8% $185,000 View
2401 W University Ave, Muncie, IN 47303 3428
A+5.0 ★Texas Ratio: 2.64%
Conventional, HELOC 6
+2 HELOCs
0.6% 85.7% $50,000 View
410 Monon Blvd, Carmel, IN 46032
A5.0 ★Texas Ratio: 11.97%
Conventional, FHA 4 0.4% 80% $135,000 View
5457 S Scatterfield Rd, Anderson, IN 46013
A+5.0 ★Texas Ratio: 4.81%
Conventional 3 0.3% 100% $181,666 View
104 W 11th St, Bicknell, IN 47512
A+5.0 ★Texas Ratio: 4.37%
Conventional 3 0.3% 100% $211,666 View
103 W National Ave, Brazil, IN 47834
A5.0 ★Texas Ratio: 7.53%
Conventional, HELOC 2
+2 HELOCs
0.2% 100% $115,000 View
104 Linksway, Aurora, IN 47001
A+5.0 ★Texas Ratio: 3.21%
Conventional, HELOC 2
+2 HELOCs
0.2% 66.7% $35,000 View
902 S Rangeline Rd, Carmel, IN 46032
A+5.0 ★Texas Ratio: 2.45%
Conventional 2 0.2% 100% $70,000 View
9 W Kentucky St, Clayton, IN 46118
A5.0 ★Texas Ratio: 6.01%
Conventional 2 0.2% 100% $105,000 View
720 W 30th St, Connersville, IN 47331
A+5.0 ★Texas Ratio: 2.85%
Conventional, HELOC 1
+4 HELOCs
0.1% 14.3% $85,000 View
11711 Pennsylvania St Ste 101, Carmel, IN 46032 4559
A+5.0 ★Texas Ratio: 5.34%
Conventional, HELOC 1
+1 HELOCs
0.1% 100% $275,000 View
111 N 4th St, Kentland, IN 47951
A5.0 ★Texas Ratio: 13.55%
Conventional 1 0.1% 100% $195,000 View
200 E Kirkwood Ave, Bloomington, IN 47408
A+5.0 ★Texas Ratio: 1.12%
Conventional 1 0.1% 100% $115,000 View
603 W Harcourt Rd, Angola, IN 46703 8802
A+5.0 ★Texas Ratio: 2.95%
Conventional 1 0.1% 100% $45,000 View
12140 E Washington St, Cumberland, IN 46229
A+5.0 ★Texas Ratio: 5.68%
Conventional 1 0.1% 100% $285,000 View
910 N Meridian St, Portland, IN 47371
A+5.0 ★Texas Ratio: 1.79%
Conventional 1 0.1% 100% $55,000 View
Union Savings and Loan Association
730 N Central Ave, Connersville, IN 47331
Conventional 1 0.1% 100% $75,000
1409 N Wayne St, Angola, IN 46703
A+5.0 ★Texas Ratio: 4.56%
Conventional 1 0.1% 100% $125,000
200 W Main St, Cambridge City, IN 47327
A-4.9 ★Texas Ratio: 16.01%
Conventional 1 0.1% 100% $275,000 View
427 E Main St, Attica, IN 47918
A+5.0 ★Texas Ratio: 3.40%
Conventional 1 0.1% 100% $85,000 View
1000 East Main Street, Brownsburg, IN 46112
A5.0 ★Texas Ratio: 6.45%
FHA 1 0.1% 100% $145,000 View
307 E Jackson St, Attica, IN 47918
A+5.0 ★Texas Ratio: 4.40%
Conventional 1 0.1% 100% $25,000 View
★ 1.7 stars, 3 reviews
111 N Harrison St, Alexandria, IN 46001
A+5.0 ★Texas Ratio: 4.24%
HELOC 0
+4 HELOCs
0% 0% View
358 S Elkhart Ave, Elkhart, IN 46516
A5.0 ★Texas Ratio: 8.94%
HELOC 0
+1 HELOCs
0% n/a View
7995 N State Road 59, Brazil, IN 47834
A+5.0 ★Texas Ratio: 4.65%
HELOC 0
+1 HELOCs
0% n/a View
7607 E US Highway 36, Avon, IN 46123
A5.0 ★Texas Ratio: 6.81%
HELOC 0
+1 HELOCs
0% n/a View
Ruoff Mortgage Company
Conventional, FHA, VA 99 9.6% 97.4% $164,696
Gvc Mortgage, Inc.
Conventional, FHA 41 4% 97.6% $156,463
Three Rivers Federal Crediit U
Conventional, HELOC 20
+10 HELOCs
1.9% 87% $105,500
Royal United Mortgage LLC
Conventional, FHA 5 0.5% 71.4% $89,000
Mjw Financial LLC dba Mjw Mortgage
Conventional, FHA 5 0.5% 100% $127,000
Independent Federal Credit Uni
Conventional 1 0.1% 100% $65,000
Elements Financial Federal Cre
Conventional 1 0.1% 100% $225,000
Purdue Federal Cu
Conventional 1 0.1% 100% $105,000
Rocket Mortgage
Conventional, FHA, VA 81 7.8% 78.9% $125,740
Union Home Mortgage Corp.
Conventional, FHA, VA, HELOC 38
+1 HELOCs
3.7% 97.4% $134,210
Newrez LLC
Conventional, FHA, VA 37 3.6% 77.1% $134,729
Zippy Loans, LLC
Conventional 36 3.5% 37.5% $28,333
Fairway Independent Mort Corp
Conventional, FHA, VA 34 3.3% 97.1% $138,529
United Wholesale Mortgage
Conventional, FHA, VA, HELOC 32
+1 HELOCs
3.1% 84.2% $180,312
Mortgage Research Center
Conventional, FHA, VA 28 2.7% 74.4% $182,142
New American Funding, LLC.
Conventional, FHA, VA 25 2.4% 86.2% $116,200
DHI Mortgage Company, LTD.
Conventional, FHA, VA 19 1.8% 95% $246,578
Freedom Mortgage Corporation
Conventional, FHA, VA 15 1.4% 95% $185,000
CrossCountry Mortgage, LLC
Conventional, FHA, HELOC 13
+1 HELOCs
1.3% 92.9% $129,615
Pennymac Loan Services LLC
Conventional, FHA, VA 11 1.1% 85.7% $173,181
New Day Financial, LLC.
VA 9 0.9% 70.6% $165,000
Carrington Mortgage Services LLC
Conventional, FHA 9 0.9% 40.9% $93,888
Amerisave Mortgage Company
Conventional, FHA, HELOC 7
+1 HELOCs
0.7% 26.9% $80,714
Guild Mortgage Company
Conventional, FHA, VA 7 0.7% 100% $156,428
Nationstar Mortgage
Conventional, VA 7 0.7% 70% $122,142
Member First Mortgage, LLC
Conventional, FHA 7 0.7% 100% $163,571
Mutual of Omaha Mortgage
Conventional, FHA, VA 7 0.7% 70% $167,857
A+5.0 ★Texas Ratio: 0.51%
Conventional, FHA 6 0.6% 100% $186,666 View
Navy Federal Credit Union
Conventional, VA, HELOC 5
+3 HELOCs
0.5% 83.3% $179,000
B-3.5 ★Texas Ratio: 6.80%
Conventional, VA 5 0.5% 83.3% $203,000 View
Lower, LLC
Conventional, FHA, VA 5 0.5% 100% $131,000
Guaranteed Rate, Inc.
Conventional, VA 4 0.4% 100% $287,500
Triad Financial Services, Inc.
Conventional 4 0.4% 50% $40,000
Movement Mortgage, LLC
Conventional, FHA 4 0.4% 100% $97,500
ClearPath Lending
VA 4 0.4% 100% $222,500
A+5.0 ★Texas Ratio: 5.36%
Conventional 4 0.4% 100% $130,000 View
Prosperity Home Mortgage, LLC
Conventional, FHA, VA 4 0.4% 100% $185,000
Goodleap, LLC
Conventional, FHA, HELOC 3
+9 HELOCs
0.3% 75% $91,666
A+5.0 ★Texas Ratio: 4.14%
Conventional, FHA, VA 3 0.3% 100% $121,666 View
Primelending
Conventional 3 0.3% 100% $105,000
Canopy Mortgage, LLC
Conventional 3 0.3% 100% $321,666
Kind Lending, LLC
Conventional, FHA 3 0.3% 75% $88,333
loanDepot.com LLC
Conventional, FHA, VA 3 0.3% 40% $95,000
AmeriHome Mortgage Company, LLC
Conventional, FHA 3 0.3% 100% $228,333
Milestone Home Lending, LLC
Conventional 3 0.3% 100% $141,666
Click n' Close, Inc.
Conventional, FHA 3 0.3% 100% $85,000
Union Savings Bank
Conventional 3 0.3% 100% $145,000
Better Mortgage Corporation
Conventional 3 0.3% 60% $235,000
Zillow Home Loans, LLC
Conventional 3 0.3% 100% $111,666
The Loan Store, Inc
Conventional, FHA 3 0.3% 100% $115,000
Vanderbilt Mortgage and Finance, Inc
Conventional 3 0.3% 20% $101,666
The Farmers & Merchants State Bank
Conventional, HELOC 2
+1 HELOCs
0.2% 100% $400,000
Premier Mortgage Resources, LLC
Conventional, FHA 2 0.2% 100% $70,000
Howard Hanna Financial Services, Inc
Conventional 2 0.2% 100% $115,000
American Financing Corporation
Conventional 2 0.2% 60% $65,000
Calcon Mutual Mortgage LLC
Conventional, VA 2 0.2% 100% $115,000
A-4.8 ★Texas Ratio: 12.33%
Conventional 2 0.2% 100% $170,000 View
Endeavor Capital, LLC
FHA, VA 2 0.2% 100% $215,000
Polaris Home Funding Corp.
FHA 1 0.1% 100% $95,000
A+5.0 ★Texas Ratio: 2.97%
Conventional 1 0.1% 100% $45,000 View
American Financial Resources LLC
FHA 1 0.1% 100% $115,000
Primary Residential Mortgage, INC.
Conventional 1 0.1% 100% $205,000
A+5.0 ★Texas Ratio: 4.93%
VA 1 0.1% 100% $15,000 View
Servion
FHA 1 0.1% 100% $215,000
Sage Home Loans Corporation
Conventional 1 0.1% 100% $115,000
PHH Mortgage Corporation
VA 1 0.1% 100% $155,000
Loanunited.Com, LLC
FHA 1 0.1% 100% $195,000
A+5.0 ★Texas Ratio: 4.11%
Conventional 1 0.1% 100% $175,000 View
AdvantageFirst Lending Inc
VA 1 0.1% 100% $205,000
Diamond Residential Mtg Corp
Conventional 1 0.1% 100% $105,000
Success Mortgage Partners, Inc
Conventional 1 0.1% 100% $125,000
Bayshore Mortgage Funding
FHA 1 0.1% 100% $85,000
Discover Bank
Conventional 1 0.1% 20% $35,000
Das Acquisition Company, LLC
VA 1 0.1% 100% $105,000
Oceanside Mortgage Company
FHA 1 0.1% 100% $145,000
VanDyk Mortgage Corporation
Conventional 1 0.1% 100% $235,000
Flat Branch Mortgage, Inc.
FHA 1 0.1% 100% $85,000
SIRVA Mortgage, Inc.
Conventional 1 0.1% 100% $75,000
Credit Union One
Conventional 1 0.1% 100% $45,000
Cardinal Financial Company, Li
Conventional 1 0.1% 100% $135,000
First Option Mortgage, LLC
FHA 1 0.1% 100% $115,000
A-5.0 ★Texas Ratio: 15.49%
VA 1 0.1% 100% $175,000 View
Churchill Mortgage Corporation
Conventional 1 0.1% 100% $115,000
Peoples Mortgage Company
Conventional 1 0.1% 100% $195,000
Planet Home Lending, LLC
FHA 1 0.1% 50% $165,000
Provident Funding Associates
Conventional 1 0.1% 100% $225,000
Wright Patt Credit Union Inc
VA 1 0.1% 100% $595,000
Milend, Inc
FHA 1 0.1% 100% $195,000
Lake Michigan Credit Union
Conventional 1 0.1% 100% $195,000
Stockton Mortgage Corporation
Conventional 1 0.1% 100% $175,000
Mission Loans, LLC
Conventional 1 0.1% 100% $75,000
Towne Mortgage Company
FHA 1 0.1% 100% $65,000
A+5.0 ★Texas Ratio: 2.14%
FHA 1 0.1% 100% $185,000 View
Mld Mortgage, Inc.Dba the Money Store
Conventional 1 0.1% 100% $155,000
★ 5 stars, 1 review
A+5.0 ★Texas Ratio: 1.21%
Conventional 1 0.1% 100% $735,000 View
21St Mortgage
Conventional 1 0.1% 22.2% $65,000
Nexera Holding LLC
Conventional 1 0.1% 100% $115,000
Loan Simple, Inc.
FHA 1 0.1% 100% $145,000
Geneva Financial LLC
FHA 1 0.1% 100% $75,000
Plaza Home Mortgage, Inc
Conventional 1 0.1% 50% $185,000
Top Flite Financial, Inc.
Conventional 1 0.1% 100% $135,000
Tomo Mortgage LLC
FHA 1 0.1% 100% $135,000
Figure Lending LLC
HELOC 0
+9 HELOCs
0% n/a
B4.5 ★Texas Ratio: 20.96%
HELOC 0
+5 HELOCs
0% n/a View
A+5.0 ★Texas Ratio: 5.44%
HELOC 0
+2 HELOCs
0% n/a View
Valon Mortgage
HELOC 0
+2 HELOCs
0% n/a
Superior Credit Union, Inc.
HELOC 0
+1 HELOCs
0% n/a
Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Mortgage Lenders and Mortgage Brokers Near Me in Muncie, Indiana

Looking for mortgage lenders near me or mortgage brokers near me in Muncie? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Muncie in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Muncie, IN

Use these to narrow the list above. Each category shows how many Muncie, IN lenders fit and what that kind of lender is usually best for.

Who Lends in Muncie, IN

Independent mortgage companies closed 65.1 percent of home loans in Muncie, Indiana in 2025, banks 22 percent and credit unions 12.9 percent. Ruoff Mortgage Company was the largest mortgage company, First Merchants Bank the largest bank and Thrive FCU the largest credit union. Among lenders headquartered in Indiana, First Merchants Bank led with 50 loans.

65.1%
Mortgage companies
22%
Banks
12.9%
Credit unions
22%
FHA loans
9%
VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Indiana. None

More Indiana Mortgage Lender Pages

Frequently Asked Questions About Mortgage Lenders in Muncie, IN

Who is the largest mortgage lender in Muncie, IN?

By home loans closed in 2025, First Merchants Bank was the largest mortgage lender in Muncie, Indiana with 50 loans, about 4.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Muncie, IN have the highest approval rates?

Among lenders with meaningful volume in Muncie, Indiana, Ruoff Mortgage Company approved the highest share of completed applications in 2025 at 97.4 percent, against a 79.1 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Muncie, IN mortgage lenders offer FHA, VA and USDA loans?

54 lenders closed FHA loans in Muncie, Indiana in 2025, led by Rocket Mortgage with 33. 31 lenders closed VA loans, led by Mortgage Research Center. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Muncie, IN lender list?

Yes. 42 banks and 20 credit unions closed home loans in Muncie, Indiana in 2025, alongside 81 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Muncie, IN ranked on this page?

Lenders are ranked only by the number of home loans they closed in Muncie, Indiana during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Muncie, Indiana for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Muncie. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.