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24-Hour Mortgage Brokers in Muncie, IN — Always Available
Emergencies don't keep business hours. These mortgage brokers in Muncie are available 24 hours a day, 7 days a week — including holidays.
As of May 2026, RatingsNearMe ranks 18 mortgage brokers in Muncie, IN by verified customer ratings and review volume. The highest-rated is KTL Performance Mortgage with a 5.0-star rating from 403 verified reviews. Also in the top tier: Union Home Mortgage - Middletown and Kentuckiana Mortgage Group Inc.. The average rating across all listed mortgage brokers in Muncie is 4.9 stars from 105 reviews per business on average.
Mortgage brokers in Muncie: broker fee typically 1–2% of loan amount, paid by the lender. No direct cost to most borrowers.
Rankings updated May 17, 2026 · Scored by ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Local Market Snapshot
18
Businesses listed
4.9★
Avg rating
105
Avg reviews
May 17, 2026
Last updated
Top Rated Mortgage Brokers
KTL Performance Mortgage
700 Wayne St, Greenville, OH 45331, USA
Union Home Mortgage - Middletown
905 Mill St, Middletown, IN 47356, USA
Kentuckiana Mortgage Group Inc.
401 E Main St, New Albany, IN 47150, USA
Mortgage Brokers Rankings in Muncie, IN
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | KTL Performance Mortgage700 Wayne St, Greenville, OH 45331, USA | 5.0★ | 403 |
| #2 | Union Home Mortgage - Middletown905 Mill St, Middletown, IN 47356, USA | 5.0★ | 400 |
| #3 | Kentuckiana Mortgage Group Inc.401 E Main St, New Albany, IN 47150, USA | 5.0★ | 174 |
| #4 | KTL Performance Mortgage Muncie4710 E Jackson St Suite 2, Muncie, IN 47303, USA | 4.9★ | 63 |
| #5 | Ruoff Mortgage - Muncie3607 Wheeling Ave, Muncie, IN 47304, USA | 5.0★ | 135 |
| #6 | Ryan Vannatter, Ruoff Mortgage3607 Wheeling Ave, Muncie, IN 47304, USA | 5.0★ | 93 |
| #7 | Preferred Capital4904 Wheeling Ave, Muncie, IN 47304, USA | 4.9★ | 70 |
| #8 | Clayton Wright, Ruoff Mortgage3607 Wheeling Ave, Muncie, IN 47304, USA | 5.0★ | 34 |
| #9 | Justin Phillips, Ruoff Mortgage3607 Wheeling Ave, Muncie, IN 47304, USA | 5.0★ | 56 |
| #10 | Union Home Mortgage1812 W McGalliard Rd, Muncie, IN 47304, USA | 4.7★ | 28 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated May 2026
All Mortgage Brokers in Muncie
KTL Performance Mortgage Muncie
4710 E Jackson St Suite 2, Muncie, IN 47303, USA
Ruoff Mortgage - Muncie
3607 Wheeling Ave, Muncie, IN 47304, USA
Ryan Vannatter, Ruoff Mortgage
3607 Wheeling Ave, Muncie, IN 47304, USA
Preferred Capital
4904 Wheeling Ave, Muncie, IN 47304, USA
Clayton Wright, Ruoff Mortgage
3607 Wheeling Ave, Muncie, IN 47304, USA
Justin Phillips, Ruoff Mortgage
3607 Wheeling Ave, Muncie, IN 47304, USA
Union Home Mortgage
1812 W McGalliard Rd, Muncie, IN 47304, USA
Kayla Kreigh, Ruoff Mortgage
3607 Wheeling Ave, Muncie, IN 47304, USA
Andy Thorpe, Ruoff Mortgage
3607 Wheeling Ave, Muncie, IN 47304, USA
Thrive Mortgage - Muncie IN
1812 W McGalliard Rd, Muncie, IN 47304, USA
Cindy Buchanan - Old National Bank
320 S High St, Muncie, IN 47305, USA
Rick Baldwin: Branch Manager, Mortgage Consultant, NMLS# 379683
4900 Wheeling Ave #4, Muncie, IN 47304, USA
Mortgage City, Inc
1202 Appletree Ln, Kokomo, IN 46902, USA
GVC Mortgage, Inc.
600 Corporation Dr Ste 200, Pendleton, IN 46064, USA
The Mortgage Company of Southern Indiana, Inc. (NMLS 175673)
332 Third Ave Suite 13, Jasper, IN 47546, USA
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Frequently Asked Questions — Mortgage Brokers in Muncie
What does a mortgage broker do differently than going directly to a bank in Muncie?
A broker shops your loan across multiple lenders — banks, credit unions, and non-bank lenders — to find the best rate and terms for your situation. Going to one bank limits you to their products. Brokers are typically paid 1–2% of the loan amount by the lender (disclosed upfront on your Loan Estimate). For buyers who don't fit a standard profile (self-employed, complex income, non-QM situations), a broker's lender access is particularly valuable.
How do I compare mortgage rates in Muncie?
Get a Loan Estimate (federally required within 3 business days of application) from at least 3 lenders. Compare APR — not just the interest rate — because APR includes fees and gives you a truer cost comparison. Also compare origination fees, points, and closing costs. On a $350,000 loan, even a 0.25% rate difference costs about $17,000 over 30 years.
What credit score do I need to get a mortgage in IN?
Conventional loans (Fannie/Freddie): 620+ minimum, best rates at 740+. FHA loans: 580+ with 3.5% down, or 500–579 with 10% down. VA loans (veterans): no official minimum, typically 620+ in practice. USDA loans (rural areas): typically 640+. Higher scores unlock meaningfully better rates — even a 20-point difference can save thousands annually.
What is the difference between a mortgage broker and a loan officer?
A loan officer works for one lender (bank, credit union, or mortgage company) and can only offer that lender's products. A broker is independent and accesses dozens of lenders. A bank loan officer may have faster approvals and more streamlined processes for straightforward cases. A broker adds more value for complex income situations, credit challenges, or when rate comparison matters most.
How are the mortgage brokers on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
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How Rankings Work on This Page
Every mortgage brokers on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: May 17, 2026.
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