Safe Rate Rankings

Best Conventional Mortgage Lenders in Elkhart

Updated May 21, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders34

Total Loans1,914

Median Rate Spread0.44%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	INOVACredit Union	Exceptional	Exceptional	Sound	Strong	Strong	$333Fees	0.017%Above	43
2	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,399Fees	0.388%Above	167
3	NOTRE DAME FEDERAL CREDIT UNION CORPORATIONCredit Union	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,677Fees	0.473%Above	94
4	EVERWISE CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Strong	Strong	$583Fees	0.390%Above	61
5	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,874Fees	0.202%Above	16
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,425Fees	0.507%Above	189
7	INTERRA CREDIT UNIONCredit Union	Strong	Sound	Strong	Strong	Exceptional	$656Fees	0.225%Above	182
8	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Strong	$2,298Fees	0.301%Above	72
9	Fifth Third Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$1,067Fees	0.422%Above	20
10	UNITED FEDERAL CREDIT UNIONCredit Union	Strong	Strong	Strong	Strong	Sound	$1,702Fees	0.224%Above	12
11	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,759Fees	0.810%Above	270
12	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,492Fees	0.193%Above	57
13	1st Source BankBank	Strong	Sound	Strong	Strong	Strong	$1,302Fees	0.434%Above	46
14	Horizon BankBank	Strong	Sound	Strong	Strong	Strong	$1,435Fees	0.290%Above	31
15	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$4,260Fees	0.240%Below	19
16	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,170Fees	0.358%Above	18
17	First Federal Savings BankBank	Strong	Acceptable	Strong	Strong	Exceptional	$1,633Fees	0.556%Above	84
18	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,239Fees	0.624%Above	62
19	Centier BankBank	Strong	Sound	Strong	Strong	Sound	$81Fees	0.736%Above	22
20	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$3,535Fees	0.408%Above	106
21	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,870Fees	0.715%Above	98
22	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,997Fees	0.491%Above	18
23	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,351Fees	0.545%Above	14
24	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,312Fees	0.236%Above	13
25	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$4,425Fees	1.149%Above	43
26	Farmers State BankBank	Strong	Acceptable	Sound	Strong	Strong	$1,500Fees	0.030%Above	27
27	Lake City BankBank	Strong	Sound	Sound	Sound	Sound	$1,114Fees	0.269%Above	19
28	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,842Fees	0.869%Above	11
29	EVERENCE FEDERAL CREDIT UNIONCredit Union	Sound	Sound	Acceptable	Sound	Sound	$767Fees	0.177%Above	13
30	GENEVA FINANCIAL, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$4,052Fees	0.875%Above	13
31	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Strong	Sound	Sound	$5,270Fees	0.484%Above	21
32	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Acceptable	Sound	$2,117Fees	0.735%Above	11

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.