# Best FHA Mortgage Lenders in Elkhart

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

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

> **Canonical URL:** https://saferate.com/elkhart/best-mortgage-lenders/fha-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 | NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 89 | 74 | 80 | 94 | Credit Union |
| 2 | EVERWISE CREDIT UNION | 85 | 89 | 62 | 61 | Credit Union |
| 3 | UNITED WHOLESALE MORTGAGE, LLC | 83 | 52 | 81 | 57 | Independent Mortgage Company |
| 4 | ROCKET MORTGAGE, LLC | 80 | 36 | 81 | 189 | Independent Mortgage Company |
| 5 | FREEDOM MORTGAGE CORPORATION | 79 | 65 | 62 | 22 | Independent Mortgage Company |
| 6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 79 | 61 | 79 | 18 | Independent Mortgage Company |
| 7 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 75 | 38 | 79 | 270 | Independent Mortgage Company |
| 8 | RUOFF MORTGAGE COMPANY, INC. | 75 | 36 | 66 | 167 | Independent Mortgage Company |
| 9 | Fifth Third Bank, National Association | 73 | 72 | 58 | 20 | Bank |
| 10 | LOANDEPOT.COM, LLC | 73 | 59 | 68 | 19 | Independent Mortgage Company |
| 11 | GUARANTEED RATE, INC. | 71 | 38 | 68 | 62 | Independent Mortgage Company |
| 12 | UNION HOME MORTGAGE CORP. | 70 | 22 | 80 | 18 | Independent Mortgage Company |
| 13 | HALLMARK HOME MORTGAGE, LLC | 67 | 19 | 85 | 98 | Independent Mortgage Company |
| 14 | CHURCHILL MORTGAGE CORPORATION | 63 | 20 | 65 | 106 | Independent Mortgage Company |
| 15 | EVERETT FINANCIAL, INC. | 63 | 9 | 80 | 43 | Independent Mortgage Company |
| 16 | AMERISAVE MORTGAGE CORPORATION | 62 | 23 | 45 | 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.