Safe Rate Rankings

Best Conventional 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%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Exceptional	$933Fees	0.354%Above	87
2	HNB National BankBank	Exceptional	Strong	Strong	Exceptional	Exceptional	$491Fees	0.087%Above	50
3	United Community BankBank	Exceptional	Exceptional	Strong	Strong	Sound	$184Credit	0.118%Above	13
4	FLAT BRANCH MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Exceptional	Strong	$1,818Fees	0.608%Above	33
5	COMMUNITY MORTGAGE, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Strong	Strong	$1,543Fees	0.351%Above	22
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,430Fees	0.515%Above	140
7	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,114Fees	0.554%Above	218
8	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,147Fees	0.618%Above	165
9	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$1,775Fees	0.895%Above	35
10	COMMUNITYAMERICA CREDIT UNIONCredit Union	Strong	Sound	Exceptional	Strong	Sound	$972Fees	0.308%Above	22
11	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,608Fees	0.346%Above	15
12	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Acceptable	$1,282Fees	0.193%Above	10
13	Commerce BankBank	Strong	Sound	Strong	Sound	Strong	$472Fees	0.731%Above	27
14	Flagstar Bank, N.A.Bank	Strong	Acceptable	Exceptional	Strong	Sound	$562Fees	0.174%Above	20
15	LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,605Fees	0.788%Above	13
16	NBH BankBank	Strong	Sound	Strong	Sound	Sound	$211Fees	0.627%Above	10
17	Flanagan State BankBank	Strong	Acceptable	Strong	Sound	Strong	$2,398Fees	1.033%Above	38
18	AMERICAN PORTFOLIO MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$2,091Fees	0.616%Above	29
19	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Acceptable	$3,067Fees	0.722%Above	10
20	ENDEAVOR CAPITAL, LLC.Independent Mortgage Company	Sound	Acceptable	Strong	Sound	Sound	$2,379Fees	0.306%Above	18
21	HALLMARK HOME MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$2,551Fees	1.042%Above	16

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.