Mortgage lenders in St. Joseph County
6,673 mortgages were made in St. Joseph County, Indiana, in 2025, by 350 lenders. The median rate their borrowers got was 6.999% on a median loan of $145,000. Of 8,921 decisions, 1,797 were denials — 20.1%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 831 | 7.500% | $105,000 | 18.5% |
| EVERWISE CREDIT UNION | 663 | 7.500% | $75,000 | 19.1% |
| 1st Source Bank | 585 | 7.500% | $105,000 | 15.8% |
| RUOFF MORTGAGE COMPANY, INC. | 428 | 6.875% | $185,000 | 3.9% |
| Rocket Mortgage, LLC | 391 | 6.750% | $135,000 | 19.2% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 236 | 6.499% | $225,000 | 9.8% |
| First Federal Savings Bank | 196 | 7.000% | $190,000 | 2.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 193 | 6.575% | $205,000 | 7.1% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 191 | 7.000% | $165,000 | 3.9% |
| UNITED FEDERAL CREDIT UNION | 141 | 7.000% | $105,000 | 27.2% |
| INOVA | 127 | 2.990% | $75,000 | 14.4% |
| JPMorgan Chase Bank, National Association | 122 | 6.500% | $165,000 | 10.6% |
| Lake City Bank | 113 | 7.750% | $95,000 | 14.4% |
| UNION HOME MORTGAGE CORP. | 103 | 6.750% | $205,000 | 3.6% |
| Mortgage Research Center, LLC | 98 | 6.125% | $225,000 | 24.0% |
| Horizon Bank | 96 | 6.770% | $175,000 | 15.7% |
| FREEDOM MORTGAGE CORPORATION | 93 | 6.375% | $205,000 | 15.6% |
| Kiavi Funding, Inc. | 88 | 9.950% | $145,000 | 6.3% |
| Centier Bank | 82 | 7.688% | $125,000 | 24.3% |
| PNC Bank, National Association | 76 | 7.583% | $115,000 | 38.9% |
| Northwest Bank | 68 | 6.000% | $105,000 | 29.9% |
| Old National Bank | 66 | 6.245% | $145,000 | 21.2% |
| Loandepot.Com, LLC | 61 | 6.625% | $145,000 | 33.0% |
| Fairway Independent Mortgage Corporation | 60 | 6.875% | $205,000 | 6.1% |
| INTERRA CREDIT UNION | 55 | 7.500% | $95,000 | 17.9% |
| NATIONSTAR MORTGAGE LLC | 51 | 7.125% | $115,000 | 25.0% |
| GVC MORTGAGE, INC. | 51 | 6.990% | $205,000 | 1.8% |
| NEWREZ LLC | 50 | 7.058% | $190,000 | 32.9% |
| Fifth Third Bank, National Association | 48 | 7.750% | $105,000 | 44.1% |
| KeyBank National Association | 42 | 6.875% | $105,000 | 27.1% |
| The Huntington National Bank | 38 | 6.838% | $155,000 | 32.1% |
| AmeriSave Mortgage Corporation | 34 | 7.375% | $85,000 | 63.5% |
| 21st Mortgage Corporation | 33 | 10.940% | $55,000 | 59.5% |
| FIGURE LENDING LLC | 33 | 10.750% | $45,000 | 12.1% |
| Navy Federal Credit Union | 28 | 6.813% | $190,000 | 27.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 27 | 6.000% | $175,000 | 20.0% |
| TRIAD FINANCIAL SERVICES, INC. | 26 | 8.490% | $45,000 | 57.6% |
| MOVEMENT MORTGAGE, LLC | 25 | 6.875% | $155,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 24 | 5.933% | $255,000 | 20.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 24 | 7.313% | $110,000 | 7.4% |
| GUARANTEED RATE, INC. | 24 | 6.870% | $180,000 | 20.0% |
| EVERETT FINANCIAL, INC. | 23 | 6.875% | $215,000 | 11.5% |
| First State Bank of Middlebury | 23 | Not published | $165,000 | 8.0% |
| Flagstar Bank, N.A. | 22 | 6.813% | $85,000 | 40.5% |
| Coastal Community Bank | 20 | 12.240% | $50,000 | 0.0% |
| Broker Solutions, Inc. | 20 | 6.750% | $185,000 | 42.9% |
| CARRINGTON MORTGAGE SERVICES, LLC | 20 | 6.625% | $125,000 | 54.6% |
| Wells Fargo Bank, National Association | 19 | 6.250% | $195,000 | 24.0% |
| POINT MORTGAGE CORPORATION | 19 | 6.500% | $235,000 | 0.0% |
| SPRING EQ, LLC | 18 | 9.913% | $50,000 | 58.1% |
| Bank of America, National Association | 18 | 6.125% | $135,000 | 47.1% |
| INDIANA UNIVERSITY CREDIT UNION | 18 | 6.850% | $125,000 | 0.0% |
| GoodLeap, LLC | 16 | 8.975% | $65,000 | 25.8% |
| ROYAL UNITED MORTGAGE LLC | 16 | 6.625% | $105,000 | 22.7% |
| VAN DYK MORTGAGE CORPORATION | 15 | 6.625% | $285,000 | 0.0% |
| U.S. Bank National Association | 14 | 7.500% | $145,000 | 58.5% |
| BETTER MORTGAGE CORPORATION | 14 | 8.500% | $100,000 | 36.4% |
| Honor Credit Union | 14 | 7.250% | $75,000 | 25.0% |
| CMG MORTGAGE, INC. | 14 | 6.813% | $140,000 | 11.8% |
| DEEPHAVEN MORTGAGE LLC | 14 | 7.563% | $155,000 | 22.2% |
| Prosperity Home Mortgage, LLC | 14 | 6.875% | $165,000 | 12.5% |
| Discover Bank | 13 | 8.940% | $85,000 | 75.5% |
| NEW DAY FINANCIAL, LLC | 12 | 6.933% | $195,000 | 40.9% |
| USAA Federal Savings Bank | 11 | 6.375% | $245,000 | 31.3% |
| LOWER, LLC | 11 | 7.500% | $65,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 11 | 6.990% | $195,000 | 15.4% |
| Lendage, LLC | 11 | 11.250% | $45,000 | 7.1% |
| ZILLOW HOME LOANS, LLC | 11 | 6.750% | $155,000 | 15.4% |
| GENEVA FINANCIAL, LLC | 11 | 6.500% | $65,000 | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 8 | Under 10 loans | Under 10 loans | 65.2% |
| Loan Funder LLC | 8 | Under 10 loans | Under 10 loans | 27.3% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 8 | Under 10 loans | Under 10 loans | 27.3% |
| 254900CTT87ZKAUTIJ37 | 8 | Under 10 loans | Under 10 loans | 11.1% |
| Citizens Bank, National Association | 7 | Under 10 loans | Under 10 loans | 47.1% |
| HOMEXPRESS MORTGAGE CORP. | 7 | Under 10 loans | Under 10 loans | 63.2% |
| BPL MORTGAGE TRUST, LLC | 7 | Under 10 loans | Under 10 loans | 33.3% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 10.0% |
| NBKC BANK | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Hometown Equity Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| The Federal Savings Bank | 6 | Under 10 loans | Under 10 loans | 40.0% |
| LAKEVIEW LOAN SERVICING, LLC | 6 | Under 10 loans | Under 10 loans | 61.1% |
| Northpointe Bank | 6 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 6 | Under 10 loans | Under 10 loans | 33.3% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| DOMINION FINANCIAL SERVICES, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Sturgis Bank & Trust Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| KEY MORTGAGE SERVICES, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 5 | Under 10 loans | Under 10 loans | 61.5% |
| Third Federal Savings and Loan Association of Cleveland | 5 | Under 10 loans | Under 10 loans | 53.8% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 44.4% |
| Equity Prime Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 28.6% |
| FINANCE OF AMERICA REVERSE LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| EVERENCE FEDERAL CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 28.6% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CRANE | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 4 | Under 10 loans | Under 10 loans | 46.7% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 37.5% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 4 | Under 10 loans | Under 10 loans | 28.6% |
| ALLIANT CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 44.4% |
| POLARIS HOME FUNDING CORP. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PURDUE | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 20.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TECH Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 3 | Under 10 loans | Under 10 loans | 66.7% |
| Zippy Loans, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| CREDIT UNION 1 | 3 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Independent Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Genisys Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Transportation Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| A & N MORTGAGE SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSTRUCTIVE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| United Trust Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 2 | Under 10 loans | Under 10 loans | 75.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 2 | Under 10 loans | Under 10 loans | 60.0% |
| GUARANTEED RATE AFFINITY, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| RPE Home, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bethpage Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Three Rivers Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERITRUST MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS 1ST Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Farmers Bank & Trust Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 254900J2RKTTDJSUWD76 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Chiphone Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Leader Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Crossroads Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| COREVEST AMERICAN FINANCE LENDER LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MidWest America Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 66.7% |
| American Airlines Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CREDENCE FUNDING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARC HOME LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST OHIO HOME FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 150 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in St. Joseph County
58 FDIC-insured branches from 15 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| 1st Source Bank | 23 | $3.2 billion |
| PNC Bank, National Association | 4 | $490.4 million |
| Lake City Bank | 4 | $476.9 million |
| KeyBank National Association | 4 | $265.3 million |
| Centier Bank | 4 | $209.5 million |
| Northwest Bank | 3 | $170.3 million |
| Old National Bank | 3 | $165.2 million |
| Flagstar Bank, National Association | 3 | $124.3 million |
| JPMorgan Chase Bank, National Association | 2 | $445.0 million |
| Fifth Third Bank, National Association | 2 | $191.5 million |
| Woodforest National Bank | 2 | $3.9 million |
| First State Bank of Middlebury | 1 | $31.6 million |
| First Federal Savings Bank | 1 | $30.1 million |
| Horizon Bank | 1 | $28.9 million |
| First Merchants Bank | 1 | $0 |
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When the next year’s lending figures are out for St. Joseph 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.