Safe Rate Rankings

Best FHA 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	EVERWISE CREDIT UNIONCredit Union	Exceptional	Exceptional	Strong	Strong	Exceptional	$695Fees	0.260%Above	200
2	NOTRE DAME FEDERAL CREDIT UNION CORPORATIONCredit Union	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,001Fees	0.344%Above	311
3	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Strong	$2,628Fees	0.562%Above	47
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,865Fees	0.327%Above	171
5	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$1,550Fees	0.427%Above	31
6	Prosperity Home Mortgage, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Strong	Sound	$2,156Fees	0.601%Above	14
7	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,422Fees	0.569%Above	322
8	RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,803Fees	0.447%Above	372
9	CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,788Fees	0.866%Above	209
10	UNION HOME MORTGAGE CORP.Independent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,484Fees	0.715%Above	66
11	Flagstar Bank, N.A.Bank	Strong	Sound	Exceptional	Strong	Sound	$2,007Fees	0.370%Above	28
12	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,021Fees	0.179%Above	27
13	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Exceptional	$2,991Fees	0.683%Above	430
14	1st Source BankBank	Strong	Sound	Sound	Sound	Exceptional	$953Fees	0.229%Above	201
15	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$3,346Fees	0.698%Above	16
16	CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$3,646Fees	0.618%Above	48
17	GVC MORTGAGE, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$2,457Fees	0.755%Above	36
18	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$1,827Fees	0.481%Above	18
19	CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,375Fees	0.347%Above	18
20	EVERETT FINANCIAL, INC.Independent Mortgage Company	Strong	Mediocre	Exceptional	Exceptional	Sound	$5,180Fees	0.959%Above	16
21	AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$758Fees	0.054%Below	14
22	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$3,141Fees	0.383%Above	19
23	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$4,140Fees	0.725%Above	13
24	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Sound	Sound	$2,553Fees	0.947%Above	24

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.