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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 Conventional Mortgage Lenders in South Bend

Updated February 5, 2026

Market Overview

Total Lenders

3,588

Total Loans

0.46%

Median Rate Spread

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Spread	Volume
1	LAKE MICHIGAN CREDIT UNION	Exceptional	Exceptional	Exceptional	Exceptional	Sound	$1,659	+0.059%	11
2	Old National Bank	Exceptional	Exceptional	Exceptional	Strong	Sound	$544	+0.159%	32
3	EVERWISE CREDIT UNION	Exceptional	Strong	Strong	Strong	Exceptional	$695	+0.260%	200
4	INOVA	Exceptional	Exceptional	Sound	Strong	Strong	$430	+0.143%	38
5	NAVY FEDERAL CREDIT UNION	Exceptional	Exceptional	Exceptional	Sound	Sound	$952	-0.600%	27
6	RUOFF MORTGAGE COMPANY, INC.	Exceptional	Sound	Exceptional	Strong	Exceptional	$1,803	+0.447%	372
7	NOTRE DAME FEDERAL CREDIT UNION CORPORATION	Exceptional	Sound	Strong	Exceptional	Exceptional	$1,001	+0.344%	311
8	UNITED FEDERAL CREDIT UNION	Exceptional	Strong	Strong	Strong	Strong	$1,483	+0.081%	86
9	The Huntington National Bank	Exceptional	Strong	Exceptional	Strong	Sound	$1,276	+0.524%	44
10	Honor Credit Union	Exceptional	Strong	Strong	Strong	Strong	$1,046	+0.240%	35
11	KeyBank National Association	Exceptional	Strong	Exceptional	Strong	Sound	$1,282	+0.134%	21
12	PNC Bank, National Association	Exceptional	Strong	Exceptional	Strong	Sound	-$38	+0.293%	17
13	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,422	+0.569%	322
14	1st Source Bank	Strong	Sound	Strong	Strong	Exceptional	$953	+0.229%	201
15	JPMorgan Chase Bank, National Association	Strong	Sound	Exceptional	Strong	Strong	$1,618	+0.305%	114
16	Fifth Third Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$928	+0.359%	39
17	Wells Fargo Bank, National Association	Strong	Strong	Exceptional	Sound	Sound	$2,471	+0.197%	29
18	OAK MORTGAGE, LLC	Strong	Strong	Strong	Strong	Sound	$1,687	+0.370%	10
19	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,788	+0.866%	209
20	UNITED WHOLESALE MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,865	+0.327%	171
21	Horizon Bank	Strong	Sound	Strong	Strong	Strong	$1,423	+0.472%	58
22	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Strong	Sound	$1,550	+0.427%	31
23	LOANDEPOT.COM, LLC	Strong	Sound	Exceptional	Strong	Sound	$3,021	+0.179%	27
24	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Strong	Strong	Sound	Sound	$1,827	+0.481%	18
25	Northwest Bank	Strong	Strong	Strong	Sound	Sound	$585	+0.387%	14
26	First Federal Savings Bank	Strong	Acceptable	Strong	Strong	Exceptional	$1,648	+0.558%	120
27	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Strong	Strong	$2,484	+0.715%	66
28	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	Strong	$2,628	+0.562%	47
29	Centier Bank	Strong	Sound	Strong	Strong	Sound	$288	+0.668%	23
30	INTERRA CREDIT UNION	Strong	Sound	Strong	Strong	Sound	$741	+0.312%	15
31	HALLMARK HOME MORTGAGE, LLC	Strong	Mediocre	Exceptional	Strong	Exceptional	$2,991	+0.683%	430
32	GVC MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$2,457	+0.755%	36
33	Flagstar Bank, N.A.	Strong	Acceptable	Exceptional	Strong	Sound	$2,007	+0.370%	28
34	GUARANTEED RATE, INC.	Strong	Acceptable	Exceptional	Strong	Sound	$1,969	+0.417%	25
35	NATIONSTAR MORTGAGE LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,141	+0.383%	19
36	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	Sound	$3,346	+0.698%	16
37	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$3,471	+0.644%	15
38	Prosperity Home Mortgage, LLC	Strong	Acceptable	Exceptional	Strong	Sound	$2,156	+0.601%	14
39	CHURCHILL MORTGAGE CORPORATION	Strong	Mediocre	Exceptional	Strong	Strong	$3,646	+0.618%	48
40	NEW AMERICAN FUNDING, LLC	Strong	Acceptable	Exceptional	Sound	Sound	$2,553	+0.947%	24
41	USAA Federal Savings Bank	Strong	Sound	Strong	Acceptable	Sound	$2,028	+0.195%	11
42	EVERETT FINANCIAL, INC.	Sound	Mediocre	Exceptional	Strong	Sound	$5,180	+0.959%	16
43	ZILLOW HOME LOANS, LLC	Sound	Acceptable	Strong	Sound	Sound	$1,599	+0.919%	14
44	VAN DYK MORTGAGE CORPORATION	Sound	Acceptable	Strong	Sound	Sound	$2,295	+0.586%	14
45	NEWREZ LLC	Sound	Acceptable	Exceptional	Sound	Acceptable	$3,267	+0.811%	10
46	ROYAL UNITED MORTGAGE LLC	Sound	Mediocre	Strong	Strong	Sound	$3,534	+1.321%	26
47	Circle Federal Credit Union	Sound	Sound	Acceptable	Acceptable	Sound	$892	+0.624%	16
48	AMERISAVE MORTGAGE CORPORATION	Sound	Mediocre	Strong	Acceptable	Sound	$758	-0.054%	14

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.

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