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As of July 2026, RatingsNearMe ranks 18 mortgage brokers in Muncie, IN by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is KTL Performance Mortgage with a 5.0-star rating from 403 Google reviews and an RNM Score of 88/100. 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 July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Kentuckiana Mortgage Group Inc.
Listed as a top-ranked mortgage broker in Muncie, indicating strong local reputation and customer satisfaction.
Most Reviewed
Ruoff Mortgage
A high number of reviews provides a more reliable picture of customer satisfaction and broker reliability.
When choosing a mortgage broker in Muncie, compare interest rates, fees, and customer service quality, and consider reading recent reviews to gauge responsiveness and closing success.
Local Market Snapshot
18
Businesses listed
4.9★
Avg rating
105
Avg reviews
Jul 4, 2026
Last updated
Top Rated Mortgage Brokers
Top-rated Muncie mortgage broker with a perfect 5.0-star rating from over 400 reviews.
700 Wayne St, Greenville, OH 45331, USAMuncie's top-rated mortgage broker with a perfect 5.0-star rating from 400 reviews.
905 Mill St, Middletown, IN 47356, USAMuncie's top-rated mortgage broker with a perfect 5.0-star score from 174 reviews.
401 E Main St, New Albany, IN 47150, USAMortgage 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 | Ryan Vannatter, Ruoff Mortgage3607 Wheeling Ave, Muncie, IN 47304, USA | 5.0★ | 93 |
| #5 | KTL Performance Mortgage Muncie4710 E Jackson St Suite 2, Muncie, IN 47303, USA | 4.9★ | 63 |
| #6 | Clayton Wright, Ruoff Mortgage3607 Wheeling Ave, Muncie, IN 47304, USA | 5.0★ | 34 |
| #7 | Kayla Kreigh, Ruoff Mortgage3607 Wheeling Ave, Muncie, IN 47304, USA | 5.0★ | 34 |
| #8 | Andy Thorpe, Ruoff Mortgage3607 Wheeling Ave, Muncie, IN 47304, USA | 5.0★ | 30 |
| #9 | Union Home Mortgage1812 W McGalliard Rd, Muncie, IN 47304, USA | 4.7★ | 28 |
| #10 | GVC Mortgage, Inc.600 Corporation Dr Ste 200, Pendleton, IN 46064, USA | 4.7★ | 135 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Mortgage Brokers in Muncie
Top-rated local mortgage broker with a flawless 5.0-star rating from 93 reviews.
3607 Wheeling Ave, Muncie, IN 47304, USA
Trusted by 63 clients with an exceptional 4.9-star rating.
4710 E Jackson St Suite 2, Muncie, IN 47303, USA
Rated 5.0 stars from 34 Google reviews, this Muncie mortgage broker is highly trusted.
3607 Wheeling Ave, Muncie, IN 47304, USA
5.0 stars from 34 reviews, reflecting exceptional client satisfaction in Muncie.
3607 Wheeling Ave, Muncie, IN 47304, USA
Muncie's top-rated mortgage broker, with a perfect 5.0-star rating from 30 Google reviews.
3607 Wheeling Ave, Muncie, IN 47304, USA
Highly rated by local clients with 4.7 stars from dozens of reviews.
1812 W McGalliard Rd, Muncie, IN 47304, USA
4.7 stars from over 130 reviews, reflecting strong local client satisfaction.
600 Corporation Dr Ste 200, Pendleton, IN 46064, USA
Exceptional 5.0-star rating from three Google reviews.
1202 Appletree Ln, Kokomo, IN 46902, USA
Exceptional 5.0-star rating from 2 Google reviews for this Muncie mortgage broker.
320 S High St, Muncie, IN 47305, USA
No local ratings yet; check back for customer feedback on this Muncie mortgage broker.
4900 Wheeling Ave #4, Muncie, IN 47304, USA
Earning a perfect 5.0-star rating from over 120 local reviews.
332 Third Ave Suite 13, Jasper, IN 47546, USA
Rated 4.4 stars from 7 Google reviews, a solid local choice.
1812 W McGalliard Rd, Muncie, IN 47304, USA
Boasts a perfect 5.0-star rating from 56 local Google reviews.
3607 Wheeling Ave, Muncie, IN 47304, USA
Exceptional 5.0-star rating from 135 Google reviews for Muncie mortgage services.
3607 Wheeling Ave, Muncie, IN 47304, USA
Top-rated Muncie mortgage broker with a 4.9-star average from 70 Google reviews.
4904 Wheeling Ave, Muncie, IN 47304, USA
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Mortgage Brokers in Muncie, IN — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | KTL Performance Mortgage | 88/100 | 5.0 ★ | 403 |
| 2 | Union Home Mortgage - Middletown | 88/100 | 5.0 ★ | 400 |
| 3 | Kentuckiana Mortgage Group Inc. | 86/100 | 5.0 ★ | 174 |
| 4 | Ryan Vannatter, Ruoff Mortgage | 83/100 | 5.0 ★ | 93 |
| 5 | KTL Performance Mortgage Muncie | 79/100 | 4.9 ★ | 63 |
| 6 | Clayton Wright, Ruoff Mortgage | 78/100 | 5.0 ★ | 34 |
| 7 | Kayla Kreigh, Ruoff Mortgage | 78/100 | 5.0 ★ | 34 |
| 8 | Andy Thorpe, Ruoff Mortgage | 77/100 | 5.0 ★ | 30 |
| 9 | Union Home Mortgage | 72/100 | 4.7 ★ | 28 |
| 10 | GVC Mortgage, Inc. | 80/100 | 4.7 ★ | 135 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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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: July 4, 2026.
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