Mortgage lenders in Elkhart County
4,828 mortgages were made in Elkhart County, Indiana, in 2025, by 256 lenders. The median rate their borrowers got was 7.000% on a median loan of $155,000. Of 6,536 decisions, 1,355 were denials — 20.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| INTERRA CREDIT UNION | 572 | 7.500% | $105,000 | 21.6% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 335 | 6.990% | $215,000 | 1.7% |
| Lake City Bank | 319 | 7.750% | $95,000 | 11.6% |
| RUOFF MORTGAGE COMPANY, INC. | 292 | 6.875% | $200,000 | 6.4% |
| Rocket Mortgage, LLC | 245 | 6.750% | $155,000 | 19.5% |
| EVERWISE CREDIT UNION | 208 | 7.500% | $75,000 | 16.9% |
| 1st Source Bank | 193 | 7.500% | $105,000 | 24.1% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 170 | 6.875% | $185,000 | 17.7% |
| First Federal Savings Bank | 165 | 7.125% | $165,000 | 1.8% |
| INOVA | 143 | 2.990% | $65,000 | 16.3% |
| UNION HOME MORTGAGE CORP. | 120 | 6.625% | $180,000 | 1.6% |
| First State Bank of Middlebury | 113 | Not published | $225,000 | 5.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 90 | 6.125% | $235,000 | 25.6% |
| Farmers State Bank | 89 | 7.250% | $205,000 | 8.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 86 | 6.575% | $230,000 | 4.4% |
| JPMorgan Chase Bank, National Association | 83 | 6.490% | $155,000 | 7.6% |
| TRIAD FINANCIAL SERVICES, INC. | 71 | 7.990% | $45,000 | 53.1% |
| EVERETT FINANCIAL, INC. | 70 | 7.058% | $155,000 | 9.0% |
| FREEDOM MORTGAGE CORPORATION | 66 | 6.375% | $225,000 | 18.5% |
| Horizon Bank | 66 | 6.063% | $150,000 | 25.0% |
| Centier Bank | 58 | 8.375% | $135,000 | 22.1% |
| The Campbell & Fetter Bank | 55 | Not published | $285,000 | 1.8% |
| Fifth Third Bank, National Association | 53 | 8.750% | $65,000 | 32.9% |
| GENEVA FINANCIAL, LLC | 51 | 6.500% | $165,000 | 0.0% |
| KeyBank National Association | 44 | 6.625% | $130,000 | 34.8% |
| Mortgage Research Center, LLC | 38 | 6.375% | $245,000 | 38.7% |
| Kiavi Funding, Inc. | 35 | 10.450% | $155,000 | 7.7% |
| Loandepot.Com, LLC | 34 | 7.125% | $100,000 | 41.4% |
| PNC Bank, National Association | 33 | 7.710% | $105,000 | 43.6% |
| UNITED FEDERAL CREDIT UNION | 32 | 6.875% | $190,000 | 29.8% |
| EVERENCE FEDERAL CREDIT UNION | 32 | 5.490% | $75,000 | 27.3% |
| Northwest Bank | 32 | 5.500% | $115,000 | 15.8% |
| AmeriSave Mortgage Corporation | 30 | 8.313% | $80,000 | 50.0% |
| Prosperity Home Mortgage, LLC | 28 | 6.750% | $230,000 | 9.7% |
| Farm Credit Mid-America | 27 | 6.750% | $335,000 | 9.4% |
| NEWREZ LLC | 23 | 6.500% | $195,000 | 40.0% |
| Old National Bank | 23 | 6.125% | $105,000 | 30.3% |
| Broker Solutions, Inc. | 22 | 6.750% | $155,000 | 33.3% |
| PENNYMAC LOAN SERVICES, LLC | 22 | 5.995% | $220,000 | 29.0% |
| GVC MORTGAGE, INC. | 22 | 7.000% | $195,000 | 4.2% |
| 21st Mortgage Corporation | 20 | 10.560% | $65,000 | 73.1% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 6.490% | $185,000 | 19.2% |
| NATIONSTAR MORTGAGE LLC | 19 | 7.875% | $85,000 | 0.0% |
| POINT MORTGAGE CORPORATION | 19 | 6.500% | $225,000 | 4.8% |
| FIGURE LENDING LLC | 18 | 9.950% | $40,000 | 27.7% |
| CMG MORTGAGE, INC. | 18 | 6.875% | $170,000 | 4.8% |
| Sturgis Bank & Trust Company | 18 | 6.625% | $340,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 17 | 6.875% | $215,000 | 10.5% |
| GUARANTEED RATE, INC. | 15 | 6.990% | $185,000 | 9.5% |
| GoodLeap, LLC | 15 | 8.900% | $75,000 | 20.8% |
| Coastal Community Bank | 14 | 10.115% | $55,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 14 | 7.563% | $100,000 | 53.8% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 13 | 6.625% | $265,000 | 7.1% |
| The Huntington National Bank | 12 | 7.408% | $210,000 | 40.0% |
| Navy Federal Credit Union | 12 | 6.063% | $235,000 | 42.9% |
| AMERICAN FINANCING CORPORATION | 10 | 6.058% | $200,000 | 50.0% |
| Equity Prime Mortgage LLC | 10 | 6.438% | $275,000 | 0.0% |
| Lendage, LLC | 10 | 11.750% | $70,000 | 9.1% |
| SPRING EQ, LLC | 9 | Under 10 loans | Under 10 loans | 64.5% |
| ROYAL UNITED MORTGAGE LLC | 9 | Under 10 loans | Under 10 loans | 18.2% |
| VAN DYK MORTGAGE CORPORATION | 9 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 9 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 8 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 46.2% |
| U.S. Bank National Association | 7 | Under 10 loans | Under 10 loans | 68.2% |
| GREENSTATE Credit Union | 7 | Under 10 loans | Under 10 loans | 37.5% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 30.0% |
| PHH Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Wells Fargo Bank, National Association | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CHURCHILL MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Discover Bank | 5 | Under 10 loans | Under 10 loans | 85.7% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| LOWER, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| Citizens Bank, National Association | 5 | Under 10 loans | Under 10 loans | 37.5% |
| MORTGAGE ASSURANCE, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers & Merchants State Bank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 4 | Under 10 loans | Under 10 loans | 55.6% |
| MEMBER FIRST MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 50.0% |
| BEACON CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Crossroads Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Bank of America, National Association | 3 | Under 10 loans | Under 10 loans | 70.0% |
| FINANCE OF AMERICA REVERSE LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Three Rivers Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Chiphone Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PROFED CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 2 | Under 10 loans | Under 10 loans | 80.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 60.0% |
| 254900W66Q1214MV8X83 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Regions Bank | 2 | Under 10 loans | Under 10 loans | 25.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Honor Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loansteady LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS 1ST Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Zippy Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| STAR Financial Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FORT FINANCIAL Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INDIANA UNIVERSITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Farmers Bank & Trust Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 60.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidWest America Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Magnolia Bank, Incorporated | 1 | Under 10 loans | Under 10 loans | 50.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Southern Michigan Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FAIR WAY LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOANFLIGHT LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE WAREHOUSE,LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FUNDLOANS CAPITAL | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sovereign Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Providence Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank of Berne | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Garrett State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CBRE MULTIFAMILY CAPITAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CRANE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers National Bank of Canfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Oakstar Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The State Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 56 lenders each made 0 or fewer mortgages here, and are counted in the totals above.
Bank branches in Elkhart County
51 FDIC-insured branches from 16 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Lake City Bank | 11 | $1.2 billion |
| 1st Source Bank | 8 | $1.0 billion |
| JPMorgan Chase Bank, National Association | 6 | $1.1 billion |
| KeyBank National Association | 6 | $319.3 million |
| First State Bank of Middlebury | 5 | $619.7 million |
| Centier Bank | 4 | $129.5 million |
| Woodforest National Bank | 2 | $5.2 million |
| Fifth Third Bank, National Association | 1 | $139.8 million |
| Old National Bank | 1 | $116.1 million |
| PNC Bank, National Association | 1 | $79.5 million |
| Northwest Bank | 1 | $35.5 million |
| Horizon Bank | 1 | $30.6 million |
| First Federal Savings Bank | 1 | $23.1 million |
| Farmers State Bank | 1 | $19.5 million |
| The Campbell & Fetter Bank | 1 | $14.2 million |
| Everence Trust Company | 1 | $500,000 |
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When the next year’s lending figures are out for Elkhart County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.