Safe Rate Rankings

Best All Lender 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	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	EVERWISE CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	$583Fees	0.390%Above	61
2	NOTRE DAME FEDERAL CREDIT UNION CORPORATIONCredit Union	Strong	Sound	Exceptional	Exceptional	$1,677Fees	0.473%Above	94
3	INOVACredit Union	Strong	Exceptional	Acceptable	Strong	$333Fees	0.017%Above	43
4	INTERRA CREDIT UNIONCredit Union	Strong	Sound	Strong	Exceptional	$656Fees	0.225%Above	182
5	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Sound	Strong	Exceptional	$2,399Fees	0.388%Above	167
6	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$2,492Fees	0.193%Above	57
7	Fifth Third Bank, National AssociationBank	Strong	Strong	Strong	Sound	$1,067Fees	0.422%Above	20
8	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,759Fees	0.810%Above	270
9	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,425Fees	0.507%Above	189
10	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Strong	$2,298Fees	0.301%Above	72
11	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$2,239Fees	0.624%Above	62
12	1st Source BankBank	Strong	Sound	Strong	Strong	$1,302Fees	0.434%Above	46
13	Horizon BankBank	Strong	Sound	Strong	Strong	$1,435Fees	0.290%Above	31
14	First Federal Savings BankBank	Strong	Acceptable	Strong	Exceptional	$1,633Fees	0.556%Above	84
15	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	$2,794Fees	0.676%Above	22
16	Centier BankBank	Strong	Sound	Strong	Sound	$81Fees	0.736%Above	22
17	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	$2,870Fees	0.715%Above	98
18	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Sound	Mediocre	Strong	Exceptional	$3,535Fees	0.408%Above	106
19	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	$4,425Fees	1.149%Above	43
20	Farmers State BankBank	Sound	Acceptable	Sound	Strong	$1,500Fees	0.030%Above	27
21	Mortgage Research Center, LLCIndependent Mortgage Company	Sound	Acceptable	Strong	Sound	$4,911Fees	0.370%Above	20
22	Farm Credit Mid-America, ACAIndependent Mortgage Company	Sound	Mediocre	Sound	Sound	$5,270Fees	0.484%Above	21

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 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

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.