Safe Rate Rankings

Best All Lender Mortgage Lenders in St. Joseph

Updated May 22, 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 Lenders23

Total Loans1,046

Median Rate Spread0.49%

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Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Strong	Exceptional	$933Fees	0.354%Above	87
2	HNB National BankBank	Exceptional	Strong	Strong	Exceptional	$491Fees	0.087%Above	50
3	COMMUNITY MORTGAGE, LLCIndependent Mortgage Company	Strong	Strong	Strong	Strong	$1,543Fees	0.351%Above	22
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,775Fees	0.895%Above	35
5	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	$1,818Fees	0.608%Above	33
6	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,114Fees	0.554%Above	218
7	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$2,147Fees	0.618%Above	165
8	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,430Fees	0.515%Above	140
9	Commerce BankBank	Strong	Sound	Sound	Strong	$472Fees	0.731%Above	27
10	COMMUNITYAMERICA CREDIT UNIONCredit Union	Strong	Sound	Strong	Sound	$972Fees	0.308%Above	22
11	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,564Fees	0.025%Below	41
12	AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	$2,091Fees	0.616%Above	29
13	Flanagan State BankBank	Sound	Acceptable	Sound	Strong	$2,398Fees	1.033%Above	38
14	Flagstar Bank, N.A.Bank	Sound	Acceptable	Strong	Sound	$562Fees	0.174%Above	20

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)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.