Indiana · HMDA 2025
Mortgage lenders in St. Joseph County, IN
342 lenders reported 11,692 home-loan applications in St. Joseph County in 2025. 6,675 closed as loans ($1.6B), 1,797 were denied — a 20.1% denial rate on decided applications, close to the Indiana rate of 19.9%. The three most active lenders handled 25% of applications, led by NOTRE DAME FEDERAL CREDIT UNION CORPORATION. 16 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 11,692
- Loans originated
- 6,675
- Purchase / refinance
- 3,017 / 2,139
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in St. Joseph County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | NOTRE DAME FEDERAL CREDIT UNION CORPORATION 64 out of 100, Moderate | 1,151 | 9.8% | 19.7% |
| 2 | EVERWISE CREDIT UNION 56 out of 100, Moderate | 957 | 8.2% | 22.2% |
| 3 | 1st Source Bank 75 out of 100, Strong | 824 | 7.0% | 19.3% |
| 4 | RUOFF MORTGAGE COMPANY, INC. | 542 | 4.6% | — |
| 5 | Rocket Mortgage, LLC | 538 | 4.6% | — |
| 6 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 337 | 2.9% | 14.1% |
| 7 | UNITED SHORE FINANCIAL SERVICES, LLC | 298 | 2.5% | — |
| 8 | CROSSCOUNTRY MORTGAGE, INC. | 279 | 2.4% | — |
| 9 | NEWREZ LLC | 269 | 2.3% | — |
| 10 | PENNYMAC LOAN SERVICES, LLC | 248 | 2.1% | — |
| 11 | U.S. Bank National Association 55 out of 100, Moderate | 243 | 2.1% | 39.5% |
| 12 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 243 | 2.1% | — |
| 13 | First Federal Savings Bank 56 out of 100, Moderate | 235 | 2.0% | 1.8% |
| 14 | UNITED FEDERAL CREDIT UNION | 227 | 1.9% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 207 | 1.8% | — |
| 16 | INOVA | 172 | 1.5% | — |
| 17 | Mortgage Research Center, LLC | 170 | 1.5% | — |
| 18 | PNC Bank, National Association 62 out of 100, Moderate | 161 | 1.4% | 33.8% |
| 19 | Lake City Bank 73 out of 100, Strong | 151 | 1.3% | 12.4% |
| 20 | TRIAD FINANCIAL SERVICES, INC. | 144 | 1.2% | — |
| 21 | NATIONSTAR MORTGAGE LLC | 142 | 1.2% | — |
| 22 | Horizon Bank 72 out of 100, Strong | 135 | 1.2% | 22.7% |
| 23 | Centier Bank 67 out of 100, Moderate | 129 | 1.1% | 21.6% |
| 24 | UNION HOME MORTGAGE CORP. | 127 | 1.1% | — |
| 25 | Fifth Third Bank, National Association 62 out of 100, Moderate | 122 | 1.0% | 34.0% |
| 26 | Loandepot.Com, LLC | 121 | 1.0% | — |
| 27 | Kiavi Funding, Inc. | 115 | 1.0% | — |
| 28 | Northwest Bank 66 out of 100, Moderate | 109 | 0.9% | 20.6% |
| 29 | AmeriSave Mortgage Corporation | 103 | 0.9% | — |
| 30 | Old National Bank 59 out of 100, Moderate | 103 | 0.9% | 22.1% |
| 31 | AMERIHOME MORTGAGE COMPANY, LLC | 101 | 0.9% | — |
| 32 | 21st Mortgage Corporation | 100 | 0.9% | — |
| 33 | Coastal Community Bank 35 out of 100, Low | 97 | 0.8% | 3.0% |
| 34 | Broker Solutions, Inc. | 84 | 0.7% | — |
| 35 | Fairway Independent Mortgage Corporation | 83 | 0.7% | — |
| 36 | PLANET HOME LENDING, LLC | 81 | 0.7% | — |
| 37 | The Huntington National Bank 59 out of 100, Moderate | 80 | 0.7% | 31.6% |
| 38 | INTERRA CREDIT UNION 64 out of 100, Moderate | 76 | 0.7% | 23.2% |
| 39 | Discover Bank | 70 | 0.6% | — |
| 40 | FIGURE LENDING LLC | 68 | 0.6% | — |
Top 40 of 342 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
- Hendricks County 11,156 apps
- Johnson County 10,704 apps
- Porter County 8,580 apps
- Elkhart County 8,478 apps
- Vanderburgh County 7,769 apps
- Clark County 7,290 apps
- Tippecanoe County 7,116 apps
- Madison County 6,949 apps