Home purchase lenders in St. Joseph County
3,016 home purchase mortgages were made in St. Joseph County, Indiana, in 2025, by 267 lenders. The median rate their borrowers got was 6.750% on a median loan of $195,000. Of 3,544 decisions, 372 were denials — 10.5%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| RUOFF MORTGAGE COMPANY, INC. | 389 | 6.875% | $185,000 | 2.7% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 278 | 6.625% | $210,000 | 2.8% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 176 | 7.125% | $165,000 | 3.1% |
| CROSSCOUNTRY MORTGAGE, INC. | 166 | 6.575% | $200,000 | 2.3% |
| 1st Source Bank | 160 | 6.750% | $185,000 | 3.4% |
| EVERWISE CREDIT UNION | 158 | 6.500% | $195,000 | 3.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 125 | 6.500% | $215,000 | 4.6% |
| Rocket Mortgage, LLC | 105 | 6.750% | $195,000 | 12.5% |
| First Federal Savings Bank | 104 | 7.000% | $270,000 | 1.8% |
| JPMorgan Chase Bank, National Association | 85 | 6.490% | $205,000 | 12.0% |
| Mortgage Research Center, LLC | 83 | 6.250% | $225,000 | 6.7% |
| UNION HOME MORTGAGE CORP. | 82 | 6.875% | $195,000 | 4.4% |
| Horizon Bank | 73 | 6.770% | $195,000 | 7.1% |
| Kiavi Funding, Inc. | 71 | 10.450% | $155,000 | 6.4% |
| UNITED FEDERAL CREDIT UNION | 51 | 6.615% | $215,000 | 3.8% |
| Fairway Independent Mortgage Corporation | 48 | 6.990% | $195,000 | 7.4% |
| GVC MORTGAGE, INC. | 45 | 6.875% | $225,000 | 0.0% |
| Centier Bank | 38 | 7.125% | $155,000 | 13.6% |
| 21st Mortgage Corporation | 32 | 10.925% | $55,000 | 59.3% |
| INOVA | 26 | 6.500% | $215,000 | 6.5% |
| TRIAD FINANCIAL SERVICES, INC. | 25 | 8.490% | $45,000 | 58.2% |
| EVERETT FINANCIAL, INC. | 23 | 6.875% | $215,000 | 11.5% |
| Old National Bank | 23 | 6.625% | $275,000 | 0.0% |
| PNC Bank, National Association | 20 | 6.375% | $225,000 | 23.1% |
| MOVEMENT MORTGAGE, LLC | 20 | 7.000% | $145,000 | 0.0% |
| The Huntington National Bank | 19 | 6.625% | $295,000 | 9.5% |
| POINT MORTGAGE CORPORATION | 18 | 6.562% | $230,000 | 0.0% |
| INTERRA CREDIT UNION | 17 | 7.000% | $175,000 | 10.5% |
| First State Bank of Middlebury | 17 | Not published | $165,000 | 10.5% |
| Navy Federal Credit Union | 15 | 6.000% | $245,000 | 21.1% |
| GUARANTEED RATE, INC. | 14 | 6.870% | $230,000 | 6.7% |
| Lake City Bank | 14 | 6.750% | $265,000 | 11.8% |
| NEWREZ LLC | 13 | 7.125% | $215,000 | 0.0% |
| CMG MORTGAGE, INC. | 12 | 6.813% | $125,000 | 7.1% |
| Fifth Third Bank, National Association | 11 | 6.625% | $185,000 | 15.4% |
| ZILLOW HOME LOANS, LLC | 11 | 6.750% | $155,000 | 15.4% |
| Broker Solutions, Inc. | 11 | 7.125% | $175,000 | 8.3% |
| KeyBank National Association | 11 | 6.250% | $155,000 | 21.4% |
| Prosperity Home Mortgage, LLC | 11 | 6.875% | $155,000 | 15.4% |
| VAN DYK MORTGAGE CORPORATION | 11 | 6.625% | $265,000 | 0.0% |
| Wells Fargo Bank, National Association | 10 | 6.500% | $240,000 | 23.1% |
| Loandepot.Com, LLC | 10 | 6.813% | $150,000 | 23.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 10 | 6.563% | $265,000 | 0.0% |
| USAA Federal Savings Bank | 9 | Under 10 loans | Under 10 loans | 25.0% |
| GUILD MORTGAGE COMPANY | 9 | Under 10 loans | Under 10 loans | 18.2% |
| Flagstar Bank, N.A. | 9 | Under 10 loans | Under 10 loans | 25.0% |
| Northwest Bank | 9 | Under 10 loans | Under 10 loans | 18.2% |
| GENEVA FINANCIAL, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 7 | Under 10 loans | Under 10 loans | 10.0% |
| LOWER, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| 254900CTT87ZKAUTIJ37 | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Honor Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| U.S. Bank National Association | 6 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 5 | Under 10 loans | Under 10 loans | 37.5% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| NBKC BANK | 5 | Under 10 loans | Under 10 loans | 16.7% |
| LIMA ONE CAPITAL, LLC | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 5 | Under 10 loans | Under 10 loans | 0.0% |
| INDIANA UNIVERSITY CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| KEY MORTGAGE SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Sturgis Bank & Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Hometown Equity Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 3 | Under 10 loans | Under 10 loans | 70.0% |
| Zippy Loans, LLC | 3 | Under 10 loans | Under 10 loans | 66.7% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 50.0% |
| BPL MORTGAGE TRUST, LLC | 3 | Under 10 loans | Under 10 loans | 57.1% |
| Filo Mortgage, L.L.C. | 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% |
| 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% |
| PENTAGON FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL NETWORK, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Three Rivers Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Independent Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AAA CAPITAL INVESTMENT, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PARTNERS 1ST Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AmeriSave Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 33.3% |
| 254900J2RKTTDJSUWD76 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 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% |
| CONSUMERS CREDIT UNION | 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% |
| STOCKTON MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Farmers Bank & Trust Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 87.5% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 66.7% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Regions Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Merchants Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST OHIO HOME FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION 1 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EQUITY RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| OAKTREE FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mid-Continent Funding, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN MUTUAL, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Old Second National Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Manufacturers and Traders Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Logan Finance Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Synergy One Lending, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Reliable Holdings Manager dba Lendz Financial | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUPERIOR CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENCOMPASS LENDING GROUP, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Chiphone Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AML FUNDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First National Bank of Brookfield | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900TSA1PSM0OS4798 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ICE LENDER HOLDINGS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RBC Bank, (Georgia) National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FORT FINANCIAL Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Republic Bank of Chicago | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of Clarke | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESICENTRAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Fortress Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Home Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERENCE FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JUSTICE Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PORTFOLIO MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST TRUST | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE MORTGAGE BANKERS, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NORTHERN MORTGAGE SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings and Loan Association of Lakewood | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UBS Bank USA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bank of England | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wings Financial Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Premia Mortgage, LLC DBA Premia Relocation Mortgage | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE 1 INCORPORATED | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SIRVA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Campbell & Fetter Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RESIDENTIAL WHOLESALE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FirstBank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILESTONE HOME LENDING, LLC | 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 67 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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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. 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.