Indiana · HMDA 2025
Mortgage lenders in Elkhart County, IN
253 lenders reported 8,478 home-loan applications in Elkhart County in 2025. 4,829 closed as loans ($982.5M), 1,355 were denied — a 20.7% denial rate on decided applications, close to the Indiana rate of 19.9%. The three most active lenders handled 20% of applications, led by INTERRA CREDIT UNION. 18 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 8,478
- Loans originated
- 4,829
- Purchase / refinance
- 2,303 / 1,413
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Elkhart County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | INTERRA CREDIT UNION 64 out of 100, Moderate | 865 | 10.2% | 23.2% |
| 2 | Lake City Bank 73 out of 100, Strong | 410 | 4.8% | 12.4% |
| 3 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 396 | 4.7% | — |
| 4 | RUOFF MORTGAGE COMPANY, INC. | 382 | 4.5% | — |
| 5 | Rocket Mortgage, LLC | 347 | 4.1% | — |
| 6 | TRIAD FINANCIAL SERVICES, INC. | 326 | 3.8% | — |
| 7 | 1st Source Bank 75 out of 100, Strong | 309 | 3.6% | 19.3% |
| 8 | EVERWISE CREDIT UNION 56 out of 100, Moderate | 305 | 3.6% | 22.2% |
| 9 | NOTRE DAME FEDERAL CREDIT UNION CORPORATION 64 out of 100, Moderate | 236 | 2.8% | 19.7% |
| 10 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 218 | 2.6% | 14.1% |
| 11 | First State Bank of Middlebury 67 out of 100, Moderate | 214 | 2.5% | 5.7% |
| 12 | INOVA | 210 | 2.5% | — |
| 13 | U.S. Bank National Association 55 out of 100, Moderate | 192 | 2.3% | 39.5% |
| 14 | First Federal Savings Bank 56 out of 100, Moderate | 186 | 2.2% | 1.8% |
| 15 | FREEDOM MORTGAGE CORPORATION | 179 | 2.1% | — |
| 16 | UNITED SHORE FINANCIAL SERVICES, LLC | 152 | 1.8% | — |
| 17 | UNION HOME MORTGAGE CORP. | 141 | 1.7% | — |
| 18 | PENNYMAC LOAN SERVICES, LLC | 138 | 1.6% | — |
| 19 | CROSSCOUNTRY MORTGAGE, INC. | 117 | 1.4% | — |
| 20 | NEWREZ LLC | 115 | 1.4% | — |
| 21 | Fifth Third Bank, National Association 62 out of 100, Moderate | 104 | 1.2% | 34.0% |
| 22 | Farmers State Bank 78 out of 100, Strong | 103 | 1.2% | 8.4% |
| 23 | EVERETT FINANCIAL, INC. | 97 | 1.1% | — |
| 24 | Horizon Bank 72 out of 100, Strong | 97 | 1.1% | 22.7% |
| 25 | 21st Mortgage Corporation | 88 | 1.0% | — |
| 26 | AMERIHOME MORTGAGE COMPANY, LLC | 86 | 1.0% | — |
| 27 | Centier Bank 67 out of 100, Moderate | 86 | 1.0% | 21.6% |
| 28 | Mortgage Research Center, LLC | 85 | 1.0% | — |
| 29 | KeyBank National Association 63 out of 100, Moderate | 82 | 1.0% | 32.8% |
| 30 | AmeriSave Mortgage Corporation | 76 | 0.9% | — |
| 31 | Loandepot.Com, LLC | 75 | 0.9% | — |
| 32 | PNC Bank, National Association 62 out of 100, Moderate | 75 | 0.9% | 33.8% |
| 33 | Broker Solutions, Inc. | 68 | 0.8% | — |
| 34 | Coastal Community Bank 35 out of 100, Low | 66 | 0.8% | 3.0% |
| 35 | NATIONSTAR MORTGAGE LLC | 64 | 0.8% | — |
| 36 | The Campbell & Fetter Bank 71 out of 100, Strong | 60 | 0.7% | 7.8% |
| 37 | GENEVA FINANCIAL, LLC | 56 | 0.7% | — |
| 38 | UNITED FEDERAL CREDIT UNION | 56 | 0.7% | — |
| 39 | FIGURE LENDING LLC | 52 | 0.6% | — |
| 40 | EVERENCE FEDERAL CREDIT UNION 64 out of 100, Moderate | 48 | 0.6% | 30.3% |
Top 40 of 253 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Indiana
- Marion County 43,393 apps
- Lake County 23,367 apps
- Hamilton County 21,889 apps
- Allen County 18,568 apps
- St. Joseph County 11,692 apps
- Hendricks County 11,156 apps
- Johnson County 10,704 apps
- Porter County 8,580 apps
- Vanderburgh County 7,769 apps
- Clark County 7,290 apps
- Tippecanoe County 7,116 apps
- Madison County 6,949 apps