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Safe Rate's TrueRank Guarantee
Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Best Mortgage Lenders in South Bend
Updated February 5, 2026
Market Overview
51
Total Lenders
3,588
Total Loans
0.46%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | EVERWISE CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $695 | +0.260% | 200 | |
2 | Old National Bank | Exceptional | Exceptional | Strong | Sound | $544 | +0.159% | 32 | |
3 | NOTRE DAME FEDERAL CREDIT UNION CORPORATION | Strong | Sound | Exceptional | Exceptional | $1,001 | +0.344% | 311 | |
4 | UNITED FEDERAL CREDIT UNION | Strong | Strong | Strong | Strong | $1,483 | +0.081% | 86 | |
5 | INOVA | Strong | Exceptional | Acceptable | Strong | $430 | +0.143% | 38 | |
6 | Honor Credit Union | Strong | Strong | Strong | Strong | $1,046 | +0.240% | 35 | |
7 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $952 | -0.600% | 27 | |
8 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $1,803 | +0.447% | 372 | |
9 | 1st Source Bank | Strong | Sound | Strong | Exceptional | $953 | +0.229% | 201 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $1,865 | +0.327% | 171 | |
11 | The Huntington National Bank | Strong | Strong | Strong | Sound | $1,276 | +0.524% | 44 | |
12 | Fifth Third Bank, National Association | Strong | Strong | Strong | Sound | $928 | +0.359% | 39 | |
13 | KeyBank National Association | Strong | Strong | Strong | Sound | $1,282 | +0.134% | 21 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,422 | +0.569% | 322 | |
15 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Exceptional | $2,788 | +0.866% | 209 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,618 | +0.305% | 114 | |
17 | Horizon Bank | Strong | Sound | Strong | Strong | $1,423 | +0.472% | 58 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,628 | +0.562% | 47 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,550 | +0.427% | 31 | |
20 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,471 | +0.197% | 29 | |
21 | First Federal Savings Bank | Strong | Acceptable | Strong | Exceptional | $1,648 | +0.558% | 120 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,484 | +0.715% | 66 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,021 | +0.179% | 27 | |
24 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $1,969 | +0.417% | 25 | |
25 | Centier Bank | Strong | Sound | Strong | Sound | $288 | +0.668% | 23 | |
26 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Exceptional | Exceptional | $2,991 | +0.683% | 430 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $476 | +0.731% | 73 | |
28 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,007 | +0.370% | 28 | |
29 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $3,646 | +0.618% | 48 | |
30 | GVC MORTGAGE, INC. | Sound | Mediocre | Exceptional | Sound | $2,457 | +0.755% | 36 | |
31 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $2,553 | +0.947% | 24 | |
32 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | $3,534 | +1.321% | 26 |
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)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.
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