# Best Conventional Mortgage Lenders in South Bend

**As of:** 2026-06-02

Compare the top Conventional mortgage lenders in South Bend. Data-driven rankings based on rates, fees, and approval rates.

> **Canonical URL:** https://saferate.com/south-bend/best-mortgage-lenders/conventional-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:** 51
- **Total Loans:** 3,588
- **Median Rate Spread:** 0.4577843137254902%

## Top Lenders

| Rank | Lender | SafeRate Score | Pricing | Pull-Through | Volume | Type |
|------|--------|----------------|---------|--------------|--------|------|
| 1 | LAKE MICHIGAN CREDIT UNION | 88 | 82 | 82 | 11 | Credit Union |
| 2 | EVERWISE CREDIT UNION | 85 | 80 | 68 | 200 | Credit Union |
| 3 | RUOFF MORTGAGE COMPANY, INC. | 83 | 46 | 74 | 372 | Independent Mortgage Company |
| 4 | NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 83 | 46 | 86 | 311 | Credit Union |
| 5 | Old National Bank | 83 | 84 | 69 | 32 | Bank |
| 6 | UNITED FEDERAL CREDIT UNION | 80 | 66 | 74 | 86 | Credit Union |
| 7 | Honor Credit Union | 80 | 80 | 72 | 35 | Credit Union |
| 8 | ROCKET MORTGAGE, LLC | 80 | 28 | 87 | 322 | Independent Mortgage Company |
| 9 | 1st Source Bank | 79 | 57 | 65 | 201 | Bank |
| 10 | JPMorgan Chase Bank, National Association | 79 | 52 | 71 | 114 | Bank |
| 11 | The Huntington National Bank | 79 | 63 | 75 | 44 | Bank |
| 12 | INOVA | 79 | 93 | 64 | 38 | Credit Union |
| 13 | KeyBank National Association | 79 | 70 | 66 | 21 | Bank |
| 14 | PNC Bank, National Association | 79 | 75 | 63 | 17 | Bank |
| 15 | NAVY FEDERAL CREDIT UNION | 77 | 92 | 53 | 27 | Credit Union |
| 16 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 75 | 20 | 78 | 209 | Independent Mortgage Company |
| 17 | UNITED WHOLESALE MORTGAGE, LLC | 75 | 36 | 86 | 171 | Independent Mortgage Company |
| 18 | Horizon Bank | 74 | 42 | 74 | 58 | Bank |
| 19 | OAK MORTGAGE, LLC | 74 | 65 | 75 | 10 | Independent Mortgage Company |
| 20 | Fifth Third Bank, National Association | 73 | 61 | 60 | 39 | Bank |
| 21 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | 73 | 40 | 74 | 31 | Independent Mortgage Company |
| 22 | Wells Fargo Bank, National Association | 73 | 61 | 57 | 29 | Bank |
| 23 | LOANDEPOT.COM, LLC | 73 | 45 | 72 | 27 | Independent Mortgage Company |
| 24 | First Federal Savings Bank | 71 | 30 | 77 | 120 | Bank |
| 25 | UNION HOME MORTGAGE CORP. | 71 | 23 | 77 | 66 | Independent Mortgage Company |
| 26 | FREEDOM MORTGAGE CORPORATION | 69 | 41 | 47 | 47 | Independent Mortgage Company |
| 27 | Centier Bank | 69 | 57 | 72 | 23 | Bank |
| 28 | MUTUAL OF OMAHA MORTGAGE, INC. | 69 | 65 | 55 | 18 | Independent Mortgage Company |
| 29 | INTERRA CREDIT UNION | 69 | 49 | 64 | 15 | Credit Union |
| 30 | Northwest Bank | 69 | 71 | 57 | 14 | Bank |
| 31 | GVC MORTGAGE, INC. | 66 | 21 | 76 | 36 | Independent Mortgage Company |
| 32 | Flagstar Bank, N.A. | 66 | 34 | 72 | 28 | Bank |
| 33 | GUARANTEED RATE, INC. | 66 | 39 | 65 | 25 | Independent Mortgage Company |
| 34 | NATIONSTAR MORTGAGE LLC | 66 | 27 | 64 | 19 | Independent Mortgage Company |
| 35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 66 | 25 | 78 | 16 | Independent Mortgage Company |
| 36 | MOVEMENT MORTGAGE, LLC | 66 | 34 | 77 | 15 | Independent Mortgage Company |
| 37 | Prosperity Home Mortgage, LLC | 66 | 33 | 71 | 14 | Independent Mortgage Company |
| 38 | HALLMARK HOME MORTGAGE, LLC | 63 | 20 | 77 | 430 | Independent Mortgage Company |
| 39 | NEW AMERICAN FUNDING, LLC | 62 | 26 | 60 | 24 | Independent Mortgage Company |
| 40 | CHURCHILL MORTGAGE CORPORATION | 60 | 19 | 62 | 48 | Independent Mortgage Company |
| 41 | VAN DYK MORTGAGE CORPORATION | 58 | 27 | 59 | 14 | Independent Mortgage Company |
| 42 | ZILLOW HOME LOANS, LLC | 58 | 32 | 50 | 14 | Independent Mortgage Company |
| 43 | USAA Federal Savings Bank | 58 | 53 | 27 | 11 | Bank |
| 44 | EVERETT FINANCIAL, INC. | 56 | 13 | 71 | 16 | Independent Mortgage Company |
| 45 | NEWREZ LLC | 56 | 31 | 58 | 10 | Independent Mortgage Company |
| 46 | ROYAL UNITED MORTGAGE LLC | 53 | 4 | 62 | 26 | Independent Mortgage Company |
| 47 | Circle Federal Credit Union | 49 | 54 | 33 | 16 | Credit Union |
| 48 | AMERISAVE MORTGAGE CORPORATION | 44 | 17 | 23 | 14 | 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 South Bend.

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.