# Best Conventional Mortgage Lenders in Elkhart

**As of:** 2026-05-21

Compare the top Conventional mortgage lenders in Elkhart. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/elkhart/best-mortgage-lenders/conventional-loans


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


## Market Statistics

- **Total Lenders:** 34
- **Total Loans:** 1,914
- **Median Rate Spread:** 0.43938235294117645%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | RUOFF MORTGAGE COMPANY, INC. | 83 | 46 | 74 | 167 | Independent Mortgage Company |
| 2 | NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 83 | 46 | 86 | 94 | Credit Union |
| 3 | EVERWISE CREDIT UNION | 80 | 80 | 68 | 61 | Credit Union |
| 4 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 189 | Independent Mortgage Company |
| 5 | INTERRA CREDIT UNION | 79 | 49 | 64 | 182 | Credit Union |
| 6 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 72 | Bank |
| 7 | INOVA | 79 | 93 | 64 | 43 | Credit Union |
| 8 | KeyBank National Association | 79 | 70 | 66 | 16 | Bank |
| 9 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 75 | 20 | 78 | 270 | Independent Mortgage Company |
| 10 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 57 | Independent Mortgage Company |
| 11 | 1st Source Bank | 74 | 57 | 65 | 46 | Bank |
| 12 | Horizon Bank | 74 | 42 | 74 | 31 | Bank |
| 13 | UNITED FEDERAL CREDIT UNION | 74 | 66 | 74 | 12 | Credit Union |
| 14 | Fifth Third Bank, National Association | 73 | 61 | 60 | 20 | Bank |
| 15 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 19 | Independent Mortgage Company |
| 16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 18 | Independent Mortgage Company |
| 17 | First Federal Savings Bank | 71 | 30 | 77 | 84 | Bank |
| 18 | GUARANTEED RATE, INC. | 71 | 39 | 65 | 62 | Independent Mortgage Company |
| 19 | Centier Bank | 69 | 57 | 72 | 22 | Bank |
| 20 | UNION HOME MORTGAGE CORP. | 66 | 23 | 77 | 18 | Independent Mortgage Company |
| 21 | GVC MORTGAGE, INC. | 66 | 21 | 76 | 14 | Independent Mortgage Company |
| 22 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 13 | Independent Mortgage Company |
| 23 | CHURCHILL MORTGAGE CORPORATION | 63 | 19 | 62 | 106 | Independent Mortgage Company |
| 24 | HALLMARK HOME MORTGAGE, LLC | 63 | 20 | 77 | 98 | Independent Mortgage Company |
| 25 | Farmers State Bank | 63 | 23 | 61 | 27 | Bank |
| 26 | Lake City Bank | 60 | 44 | 48 | 19 | Bank |
| 27 | EVERETT FINANCIAL, INC. | 60 | 13 | 71 | 43 | Independent Mortgage Company |
| 28 | NATIONSTAR MORTGAGE LLC | 60 | 27 | 64 | 11 | Independent Mortgage Company |
| 29 | EVERENCE FEDERAL CREDIT UNION | 54 | 54 | 42 | 13 | Credit Union |
| 30 | GENEVA FINANCIAL, LLC | 53 | 15 | 73 | 13 | Independent Mortgage Company |
| 31 | Farm Credit Mid-America, ACA | 49 | 6 | 52 | 21 | Independent Mortgage Company |
| 32 | AMERISAVE MORTGAGE CORPORATION | 44 | 17 | 23 | 11 | Independent Mortgage Company |

## Methodology

Safe Rate calculates these rankings using a risk-adjusted, data-driven scoring system based on Home Mortgage Disclosure Act (HMDA) filings. Rather than relying on simple averages, our statistical models control for loan-level risk factors (such as LTV, loan amount, and property value) to evaluate a lender's true competitiveness within Elkhart.

Our composite SafeRate Score is derived using an equal, geometric weighting of the following factors:
1. **Pricing:** Evaluates the lender's interest rates and net fees relative to the market.
2. **Pull-Through:** Measures the percentage of applications that successfully close, indicating reliability and customer service.
3. **Product Knowledge:** Evaluates the lender's specific experience and volume originating the selected loan product.
4. **Local Place Knowledge:** Analyzes the lender's total number of loans originated in the specific geography to determine local market expertise.