Safe Rate Rankings

Best Conventional Mortgage Lenders in South Bend

Updated June 2, 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 Lenders51

Total Loans3,588

Median Rate Spread0.46%

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