Top Mortgage Lenders in South Bend, IN

Which mortgage lender in the South Bend, IN area typically has the best rates? To help you narrow down where to shop for a mortgage, MortgageWaldo.com provides an objective and data driven ranking of mortgage lenders operating in the South Bend, IN area by interest rate and market share. Unlike our competitors, we maintain independence by not accepting any compensation from the mortgage lenders we rank. We use data on all fixed rate mortgages that were closed in the past year to generate our rankings.

Going by historical data, the best mortgage lender in the South Bend, IN area in terms of interest rate is INOVA Federal Credit Union, with an average “Rate Difference” of -0.37%. This means that, comparing similar borrowers, INOVA Federal Credit Union provided a -0.37% lower interest rate for its customers than other lenders in the area. INOVA Federal Credit Union has a market share of 1.5%. On the other hand, the most popular lender in the South Bend, IN area is Ruoff Mortgage, with a larger market share of 11.0%. Ruoff Mortgage is an average lender in terms of the interest rate it offers, with a “Rate Difference” of -0.08% compared to those of other lenders in this area.

Our detailed ranking of mortgage lenders in the South Bend, IN area is shown in the table below. In the table, we also give our assessment of whether they are, on average, a cheap/expensive lender through a star rating system. You can choose to tailor our ranking table to a specific mortgage type (Conventional/Jumbo/FHA/VA) and purpose (purchase/refinance) through the drop-down menu. For example, the cheapest lender for Conventional mortgages in South Bend, IN is INOVA Federal Credit Union. If you want to take out a loan that is above conforming limits (for example, above $548,250 in 2021), the cheapest Jumbo mortgage provider is 1st Source Bank. If on the other hand, you want lower down payment or credit score requirements, the cheapest FHA mortgage provider is 1st Source Bank. The cheapest VA mortgage provider is Navy Federal Credit Union. Note that as a consumer advocate we always recommend shopping among several of our top ranked lenders in order to get the best rates and fees.

Ranking of Mortgage Lenders in South Bend, IN

Mortgage Type:
Purchase/Refinance:
Lender NameRate DifferenceRate RatingMarket Share
INOVA Federal Credit Union-0.37%(5.0)1.51%
Interra Credit Union-0.20%(4.5)2.95%
Notre Dame Federal Credit Union-0.19%(4.5)5.30%
1st Source Bank-0.17%(4.5)5.60%
Teachers Credit Union-0.12%(4.0)4.67%
Navy Federal Credit Union-0.11%(4.0)0.43%
USAA-0.09%(4.0)0.95%
Old National Bank-0.09%(4.0)0.97%
Ruoff Mortgage-0.08%(4.0)11.01%
TCF Bank-0.05%(4.0)0.40%
Freedom Mortgage Corporation-0.05%(3.5)0.89%
Lake City Bank-0.05%(3.5)1.22%
Lake Michigan Credit Union-0.04%(3.5)0.38%
Guaranteed Rate-0.04%(3.5)2.63%
Bank of America-0.03%(3.5)0.39%
US Bank-0.03%(3.5)0.31%
Fifth Third Bank-0.03%(3.5)2.26%
Carrington Mortgage Services-0.01%(3.5)0.77%
Independent Bank Michigan-0.01%(3.5)0.55%
JPMorgan Chase Bank-0.00%(3.5)3.53%
PennyMac Loan Services0.00%(3.5)0.28%
Circle Federal Credit Union0.00%(3.5)0.70%
PNC Bank0.01%(3.5)0.98%
Huntington National Bank0.01%(3.5)0.45%
Wells Fargo Bank0.01%(3.5)1.45%
Horicon Bank IN0.01%(3.5)3.84%
Caliber Home Loans0.02%(3.5)0.50%
Fairway Independent Mortgage Corporation0.02%(3.5)0.29%
New American Funding0.02%(3.5)0.50%
First Federal Savings Bank of Rochester, IN0.02%(3.5)7.36%
Flagstar Bank0.02%(3.5)0.52%
Cardinal Financial Company0.03%(3.5)0.44%
Supreme Lending0.03%(3.5)0.71%
United Federal Credit Union0.04%(3.5)5.85%
loanDepot0.05%(3.0)1.41%
CMG Financial0.06%(3.0)0.62%
Bank of England AR0.07%(3.0)0.28%
KeyBank0.08%(3.0)1.50%
Union Home Mortgage0.08%(3.0)0.88%
Honor Credit Union0.08%(3.0)3.04%
Centier Bank0.11%(3.0)1.56%
Royal United Mortgage0.12%(3.0)0.32%
Quicken Loans0.13%(3.0)9.28%
Hallmark Home Mortgage0.18%(2.5)4.67%
GVC Mortgage0.28%(2.0)3.18%
Mr. Cooper0.30%(2.0)1.04%
Amerifirst Home Mortgage0.36%(1.5)1.63%
Lender NameRate DifferenceRate RatingMarket Share
Teachers Credit Union-0.21%(4.5)3.98%
Freedom Mortgage Corporation-0.15%(4.5)0.78%
1st Source Bank-0.15%(4.5)4.47%
Notre Dame Federal Credit Union-0.15%(4.0)5.52%
Navy Federal Credit Union-0.15%(4.0)0.53%
INOVA Federal Credit Union-0.15%(4.0)1.05%
Interra Credit Union-0.14%(4.0)2.51%
USAA-0.11%(4.0)1.32%
JPMorgan Chase Bank-0.10%(4.0)2.91%
Ruoff Mortgage-0.09%(4.0)15.18%
Old National Bank-0.07%(4.0)0.46%
TCF Bank-0.07%(4.0)0.21%
PNC Bank-0.07%(4.0)0.83%
Wells Fargo Bank-0.07%(4.0)1.63%
Fifth Third Bank-0.06%(4.0)1.54%
Lake Michigan Credit Union-0.06%(4.0)0.53%
US Bank-0.05%(3.5)0.33%
Lake City Bank-0.05%(3.5)1.01%
Bank of America-0.04%(3.5)0.38%
Guaranteed Rate-0.04%(3.5)3.42%
Circle Federal Credit Union-0.01%(3.5)0.74%
Horicon Bank IN-0.01%(3.5)4.42%
PennyMac Loan Services-0.01%(3.5)0.16%
Independent Bank Michigan-0.01%(3.5)0.50%
New American Funding0.00%(3.5)0.59%
KeyBank0.00%(3.5)0.61%
Mr. Cooper0.01%(3.5)0.21%
Huntington National Bank0.01%(3.5)0.38%
First Federal Savings Bank of Rochester, IN0.01%(3.5)7.77%
Flagstar Bank0.02%(3.5)0.53%
Fairway Independent Mortgage Corporation0.02%(3.5)0.31%
Caliber Home Loans0.02%(3.5)0.46%
Supreme Lending0.02%(3.5)0.93%
loanDepot0.03%(3.5)0.61%
Cardinal Financial Company0.03%(3.5)0.50%
Carrington Mortgage Services0.05%(3.5)0.13%
CMG Financial0.05%(3.5)0.83%
United Federal Credit Union0.06%(3.0)5.71%
Bank of England AR0.07%(3.0)0.35%
Quicken Loans0.09%(3.0)4.97%
Union Home Mortgage0.10%(3.0)1.06%
Centier Bank0.12%(3.0)2.34%
Royal United Mortgage0.13%(3.0)0.16%
Honor Credit Union0.14%(3.0)3.19%
Hallmark Home Mortgage0.18%(2.5)7.01%
GVC Mortgage0.30%(2.0)4.57%
Amerifirst Home Mortgage0.38%(1.5)2.37%
Lender NameRate DifferenceRate RatingMarket Share
INOVA Federal Credit Union-0.52%(5.0)2.23%
Interra Credit Union-0.27%(5.0)3.64%
Notre Dame Federal Credit Union-0.26%(5.0)4.97%
1st Source Bank-0.19%(4.5)7.37%
Old National Bank-0.09%(4.0)1.77%
Guaranteed Rate-0.08%(4.0)1.40%
Lake City Bank-0.05%(3.5)1.54%
USAA-0.04%(3.5)0.37%
Ruoff Mortgage-0.04%(3.5)4.51%
Centier Bank-0.04%(3.5)0.35%
TCF Bank-0.03%(3.5)0.69%
Teachers Credit Union-0.02%(3.5)5.76%
Navy Federal Credit Union-0.02%(3.5)0.28%
Bank of America-0.02%(3.5)0.39%
Honor Credit Union-0.02%(3.5)2.79%
US Bank-0.01%(3.5)0.28%
Independent Bank Michigan-0.00%(3.5)0.62%
Carrington Mortgage Services-0.00%(3.5)1.75%
Fifth Third Bank0.00%(3.5)3.39%
Fairway Independent Mortgage Corporation0.01%(3.5)0.25%
Huntington National Bank0.01%(3.5)0.55%
Caliber Home Loans0.01%(3.5)0.58%
PennyMac Loan Services0.01%(3.5)0.46%
United Federal Credit Union0.02%(3.5)6.08%
Circle Federal Credit Union0.02%(3.5)0.64%
First Federal Savings Bank of Rochester, IN0.02%(3.5)6.73%
Flagstar Bank0.02%(3.5)0.51%
Cardinal Financial Company0.03%(3.5)0.35%
Union Home Mortgage0.03%(3.5)0.60%
Lake Michigan Credit Union0.03%(3.5)0.14%
Bank of England AR0.04%(3.5)0.16%
New American Funding0.04%(3.5)0.35%
Horicon Bank IN0.05%(3.0)2.92%
Hallmark Home Mortgage0.06%(3.0)1.01%
Supreme Lending0.06%(3.0)0.37%
CMG Financial0.07%(3.0)0.30%
loanDepot0.07%(3.0)2.67%
Freedom Mortgage Corporation0.07%(3.0)1.06%
PNC Bank0.09%(3.0)1.22%
GVC Mortgage0.10%(3.0)1.01%
JPMorgan Chase Bank0.10%(3.0)4.49%
KeyBank0.11%(3.0)2.88%
Amerifirst Home Mortgage0.11%(3.0)0.48%
Royal United Mortgage0.12%(3.0)0.58%
Quicken Loans0.16%(2.5)15.98%
Wells Fargo Bank0.18%(2.5)1.17%
Mr. Cooper0.35%(1.5)2.35%
Lender NameRate DifferenceRate RatingMarket Share
INOVA Federal Credit Union-0.39%(5.0)1.78%
Interra Credit Union-0.20%(4.5)3.74%
Notre Dame Federal Credit Union-0.19%(4.5)6.37%
1st Source Bank-0.18%(4.5)6.11%
Teachers Credit Union-0.12%(4.0)5.99%
Old National Bank-0.09%(4.0)1.12%
Ruoff Mortgage-0.09%(4.0)9.27%
TCF Bank-0.05%(3.5)0.47%
Lake City Bank-0.04%(3.5)1.55%
US Bank-0.04%(3.5)0.30%
Lake Michigan Credit Union-0.04%(3.5)0.43%
Bank of America-0.03%(3.5)0.47%
Guaranteed Rate-0.02%(3.5)2.13%
Fifth Third Bank-0.02%(3.5)2.66%
Independent Bank Michigan-0.00%(3.5)0.60%
Navy Federal Credit Union-0.00%(3.5)0.15%
JPMorgan Chase Bank0.00%(3.5)4.36%
Freedom Mortgage Corporation0.01%(3.5)0.30%
Circle Federal Credit Union0.01%(3.5)0.90%
PNC Bank0.01%(3.5)1.10%
Wells Fargo Bank0.02%(3.5)1.71%
Huntington National Bank0.02%(3.5)0.50%
PennyMac Loan Services0.02%(3.5)0.10%
First Federal Savings Bank of Rochester, IN0.02%(3.5)9.19%
Fairway Independent Mortgage Corporation0.03%(3.5)0.22%
Flagstar Bank0.03%(3.5)0.43%
Caliber Home Loans0.03%(3.5)0.29%
New American Funding0.03%(3.5)0.21%
Horicon Bank IN0.03%(3.5)4.26%
Carrington Mortgage Services0.04%(3.5)0.25%
USAA0.04%(3.5)0.31%
Supreme Lending0.05%(3.5)0.57%
United Federal Credit Union0.05%(3.0)7.16%
Bank of England AR0.06%(3.0)0.21%
Union Home Mortgage0.07%(3.0)0.76%
CMG Financial0.08%(3.0)0.50%
Cardinal Financial Company0.08%(3.0)0.25%
KeyBank0.09%(3.0)1.81%
Honor Credit Union0.09%(3.0)3.68%
loanDepot0.09%(3.0)0.95%
Centier Bank0.13%(3.0)1.83%
Royal United Mortgage0.14%(3.0)0.33%
Hallmark Home Mortgage0.18%(2.5)3.66%
Quicken Loans0.26%(2.0)6.98%
Amerifirst Home Mortgage0.32%(2.0)1.14%
GVC Mortgage0.32%(2.0)2.26%
Mr. Cooper0.45%(1.0)0.67%
Lender NameRate DifferenceRate RatingMarket Share
Teachers Credit Union-0.20%(4.5)5.29%
Notre Dame Federal Credit Union-0.15%(4.5)6.69%
1st Source Bank-0.15%(4.0)4.76%
INOVA Federal Credit Union-0.14%(4.0)1.18%
Interra Credit Union-0.14%(4.0)3.31%
Ruoff Mortgage-0.11%(4.0)12.65%
JPMorgan Chase Bank-0.10%(4.0)3.74%
Old National Bank-0.08%(4.0)0.53%
PNC Bank-0.07%(4.0)0.93%
Wells Fargo Bank-0.07%(4.0)1.95%
TCF Bank-0.07%(4.0)0.24%
US Bank-0.05%(4.0)0.33%
Lake Michigan Credit Union-0.05%(4.0)0.63%
Fifth Third Bank-0.05%(4.0)1.81%
Lake City Bank-0.04%(3.5)1.32%
Bank of America-0.04%(3.5)0.49%
Freedom Mortgage Corporation-0.02%(3.5)0.26%
Guaranteed Rate-0.01%(3.5)2.78%
Circle Federal Credit Union-0.00%(3.5)0.98%
Independent Bank Michigan0.00%(3.5)0.55%
PennyMac Loan Services0.01%(3.5)0.12%
New American Funding0.01%(3.5)0.16%
Navy Federal Credit Union0.01%(3.5)0.16%
Mr. Cooper0.01%(3.5)0.08%
First Federal Savings Bank of Rochester, IN0.02%(3.5)10.06%
Horicon Bank IN0.02%(3.5)4.94%
KeyBank0.02%(3.5)0.65%
Carrington Mortgage Services0.02%(3.5)0.02%
Flagstar Bank0.02%(3.5)0.45%
Huntington National Bank0.03%(3.5)0.43%
loanDepot0.03%(3.5)0.39%
Supreme Lending0.03%(3.5)0.73%
USAA0.04%(3.5)0.49%
Caliber Home Loans0.04%(3.5)0.26%
Fairway Independent Mortgage Corporation0.04%(3.5)0.24%
Bank of England AR0.07%(3.0)0.22%
CMG Financial0.07%(3.0)0.67%
United Federal Credit Union0.07%(3.0)7.14%
Union Home Mortgage0.09%(3.0)0.83%
Cardinal Financial Company0.12%(3.0)0.30%
Centier Bank0.14%(3.0)2.83%
Honor Credit Union0.15%(3.0)3.98%
Royal United Mortgage0.17%(2.5)0.18%
Quicken Loans0.18%(2.5)3.90%
Hallmark Home Mortgage0.19%(2.5)5.57%
Amerifirst Home Mortgage0.36%(1.5)1.61%
GVC Mortgage0.37%(1.5)3.19%
Lender NameRate DifferenceRate RatingMarket Share
INOVA Federal Credit Union-0.54%(5.0)2.62%
Interra Credit Union-0.27%(5.0)4.35%
Notre Dame Federal Credit Union-0.27%(5.0)5.91%
1st Source Bank-0.20%(4.5)8.02%
Old National Bank-0.10%(4.0)1.95%
Guaranteed Rate-0.09%(4.0)1.23%
Ruoff Mortgage-0.05%(4.0)4.48%
Lake City Bank-0.05%(3.5)1.87%
Centier Bank-0.04%(3.5)0.42%
TCF Bank-0.03%(3.5)0.81%
Navy Federal Credit Union-0.03%(3.5)0.14%
Teachers Credit Union-0.02%(3.5)6.96%
Bank of America-0.02%(3.5)0.45%
Honor Credit Union-0.02%(3.5)3.26%
US Bank-0.02%(3.5)0.25%
Independent Bank Michigan-0.01%(3.5)0.67%
Fairway Independent Mortgage Corporation-0.00%(3.5)0.19%
Fifth Third Bank0.00%(3.5)3.87%
Cardinal Financial Company0.00%(3.5)0.19%
Huntington National Bank0.01%(3.5)0.58%
USAA0.02%(3.5)0.06%
Caliber Home Loans0.02%(3.5)0.33%
United Federal Credit Union0.02%(3.5)7.19%
First Federal Savings Bank of Rochester, IN0.02%(3.5)7.97%
Circle Federal Credit Union0.02%(3.5)0.78%
Union Home Mortgage0.03%(3.5)0.67%
Lake Michigan Credit Union0.03%(3.5)0.14%
Flagstar Bank0.03%(3.5)0.39%
Freedom Mortgage Corporation0.03%(3.5)0.36%
PennyMac Loan Services0.04%(3.5)0.08%
Bank of England AR0.04%(3.5)0.19%
Carrington Mortgage Services0.04%(3.5)0.58%
New American Funding0.05%(3.5)0.28%
Horicon Bank IN0.05%(3.0)3.29%
Hallmark Home Mortgage0.07%(3.0)0.95%
Supreme Lending0.07%(3.0)0.33%
CMG Financial0.08%(3.0)0.25%
PNC Bank0.10%(3.0)1.34%
GVC Mortgage0.10%(3.0)0.95%
JPMorgan Chase Bank0.10%(3.0)5.24%
KeyBank0.11%(3.0)3.45%
loanDepot0.12%(3.0)1.73%
Amerifirst Home Mortgage0.13%(3.0)0.47%
Royal United Mortgage0.14%(3.0)0.56%
Wells Fargo Bank0.19%(2.5)1.36%
Quicken Loans0.30%(2.0)11.34%
Mr. Cooper0.49%(1.0)1.50%
Lender NameRate DifferenceRate RatingMarket Share
1st Source Bank-0.20%(4.5)2.57%
Horicon Bank IN-0.17%(4.5)2.24%
INOVA Federal Credit Union-0.15%(4.5)0.61%
Freedom Mortgage Corporation-0.13%(4.0)3.24%
United Federal Credit Union-0.11%(4.0)1.12%
Guaranteed Rate-0.10%(4.0)4.75%
Notre Dame Federal Credit Union-0.09%(4.0)1.79%
Quicken Loans-0.09%(4.0)19.28%
Centier Bank-0.08%(4.0)0.67%
Lake Michigan Credit Union-0.07%(4.0)0.17%
KeyBank-0.07%(4.0)0.39%
Ruoff Mortgage-0.07%(4.0)20.40%
Carrington Mortgage Services-0.07%(4.0)2.46%
Fifth Third Bank-0.07%(4.0)0.84%
Huntington National Bank-0.05%(4.0)0.17%
TCF Bank-0.05%(4.0)0.17%
Independent Bank Michigan-0.05%(3.5)0.11%
Fairway Independent Mortgage Corporation-0.05%(3.5)0.39%
Cardinal Financial Company-0.04%(3.5)1.34%
PennyMac Loan Services-0.03%(3.5)0.73%
Interra Credit Union-0.02%(3.5)0.06%
PNC Bank-0.02%(3.5)0.17%
US Bank-0.02%(3.5)0.17%
Caliber Home Loans-0.02%(3.5)1.29%
New American Funding-0.01%(3.5)1.84%
Navy Federal Credit Union-0.01%(3.5)0.06%
Supreme Lending-0.01%(3.5)1.40%
JPMorgan Chase Bank-0.00%(3.5)0.06%
Royal United Mortgage0.00%(3.5)0.28%
Flagstar Bank0.00%(3.5)0.78%
CMG Financial0.01%(3.5)1.06%
loanDepot0.03%(3.5)2.24%
Bank of England AR0.06%(3.0)0.67%
First Federal Savings Bank of Rochester, IN0.09%(3.0)0.50%
Union Home Mortgage0.10%(3.0)1.34%
Honor Credit Union0.12%(3.0)0.67%
Mr. Cooper0.13%(3.0)2.85%
Hallmark Home Mortgage0.17%(2.5)9.39%
GVC Mortgage0.22%(2.5)8.05%
Amerifirst Home Mortgage0.44%(1.5)3.69%
Lender NameRate DifferenceRate RatingMarket Share
1st Source Bank-0.24%(4.5)2.66%
Freedom Mortgage Corporation-0.24%(4.5)2.89%
Horicon Bank IN-0.19%(4.5)2.81%
INOVA Federal Credit Union-0.18%(4.5)0.76%
United Federal Credit Union-0.13%(4.0)1.44%
Guaranteed Rate-0.12%(4.0)5.54%
Notre Dame Federal Credit Union-0.12%(4.0)2.20%
Centier Bank-0.09%(4.0)0.91%
KeyBank-0.09%(4.0)0.46%
Fifth Third Bank-0.09%(4.0)0.84%
Ruoff Mortgage-0.09%(4.0)25.74%
Lake Michigan Credit Union-0.09%(4.0)0.23%
Fairway Independent Mortgage Corporation-0.08%(4.0)0.38%
Cardinal Financial Company-0.08%(4.0)1.29%
TCF Bank-0.08%(4.0)0.15%
Quicken Loans-0.07%(4.0)9.49%
Huntington National Bank-0.07%(4.0)0.23%
Independent Bank Michigan-0.06%(4.0)0.15%
PennyMac Loan Services-0.06%(4.0)0.30%
US Bank-0.05%(3.5)0.08%
Interra Credit Union-0.04%(3.5)0.08%
PNC Bank-0.03%(3.5)0.15%
New American Funding-0.03%(3.5)2.20%
Navy Federal Credit Union-0.03%(3.5)0.08%
Mr. Cooper-0.03%(3.5)0.68%
Royal United Mortgage-0.03%(3.5)0.15%
Caliber Home Loans-0.02%(3.5)1.14%
Supreme Lending-0.02%(3.5)1.67%
JPMorgan Chase Bank-0.02%(3.5)0.08%
Carrington Mortgage Services-0.01%(3.5)0.30%
Flagstar Bank-0.01%(3.5)0.84%
CMG Financial-0.00%(3.5)1.29%
loanDepot-0.00%(3.5)1.29%
Bank of England AR0.05%(3.5)0.91%
First Federal Savings Bank of Rochester, IN0.07%(3.0)0.68%
Union Home Mortgage0.10%(3.0)1.67%
Honor Credit Union0.11%(3.0)0.91%
Hallmark Home Mortgage0.16%(2.5)12.30%
GVC Mortgage0.21%(2.5)10.25%
Amerifirst Home Mortgage0.44%(1.5)4.78%
Lender NameRate DifferenceRate RatingMarket Share
Quicken Loans-0.06%(4.0)46.61%
Guaranteed Rate-0.06%(4.0)2.54%
1st Source Bank-0.06%(4.0)2.33%
Carrington Mortgage Services-0.03%(3.5)8.47%
Fifth Third Bank0.00%(3.5)0.85%
Caliber Home Loans0.01%(3.5)1.69%
PennyMac Loan Services0.01%(3.5)1.91%
KeyBank0.01%(3.5)0.21%
INOVA Federal Credit Union0.01%(3.5)0.21%
Notre Dame Federal Credit Union0.01%(3.5)0.64%
TCF Bank0.01%(3.5)0.21%
PNC Bank0.02%(3.5)0.21%
United Federal Credit Union0.02%(3.5)0.21%
Flagstar Bank0.02%(3.5)0.64%
Union Home Mortgage0.02%(3.5)0.42%
US Bank0.03%(3.5)0.42%
Horicon Bank IN0.03%(3.5)0.64%
Fairway Independent Mortgage Corporation0.03%(3.5)0.42%
CMG Financial0.03%(3.5)0.42%
Amerifirst Home Mortgage0.04%(3.5)0.64%
Hallmark Home Mortgage0.05%(3.5)1.27%
Supreme Lending0.05%(3.5)0.64%
New American Funding0.05%(3.5)0.85%
Royal United Mortgage0.05%(3.5)0.64%
Cardinal Financial Company0.05%(3.0)1.48%
Ruoff Mortgage0.06%(3.0)5.51%
loanDepot0.07%(3.0)4.87%
GVC Mortgage0.08%(3.0)1.91%
Freedom Mortgage Corporation0.09%(3.0)4.24%
Mr. Cooper0.20%(2.5)8.90%
Lender NameRate DifferenceRate RatingMarket Share
1st Source Bank-0.03%(3.5)26.76%
Interra Credit Union-0.01%(3.5)2.11%
Old National Bank-0.01%(3.5)7.75%
Bank of America-0.00%(3.5)1.41%
Wells Fargo Bank-0.00%(3.5)6.34%
Huntington National Bank-0.00%(3.5)2.11%
PNC Bank0.00%(3.5)4.93%
KeyBank0.00%(3.5)1.41%
Fifth Third Bank0.00%(3.5)2.11%
JPMorgan Chase Bank0.01%(3.5)7.75%
Lake Michigan Credit Union0.01%(3.5)1.41%
Horicon Bank IN0.01%(3.5)4.23%
Notre Dame Federal Credit Union0.01%(3.5)3.52%
Quicken Loans0.01%(3.5)0.70%
US Bank0.02%(3.5)2.11%
Guaranteed Rate0.02%(3.5)4.23%
Lake City Bank0.02%(3.5)0.70%
Ruoff Mortgage0.02%(3.5)1.41%
United Federal Credit Union0.03%(3.5)5.63%
First Federal Savings Bank of Rochester, IN0.03%(3.5)7.75%
Honor Credit Union0.04%(3.5)4.23%
Caliber Home Loans0.04%(3.5)0.70%
Supreme Lending0.04%(3.5)0.70%
Lender NameRate DifferenceRate RatingMarket Share
1st Source Bank-0.03%(3.5)26.39%
Wells Fargo Bank-0.01%(3.5)9.72%
Bank of America-0.01%(3.5)1.39%
Old National Bank-0.01%(3.5)5.56%
Huntington National Bank-0.00%(3.5)1.39%
KeyBank0.00%(3.5)2.78%
PNC Bank0.01%(3.5)4.17%
Horicon Bank IN0.01%(3.5)4.17%
United Federal Credit Union0.01%(3.5)4.17%
Lake Michigan Credit Union0.01%(3.5)1.39%
Honor Credit Union0.01%(3.5)2.78%
Fifth Third Bank0.01%(3.5)1.39%
JPMorgan Chase Bank0.01%(3.5)5.56%
Interra Credit Union0.02%(3.5)1.39%
US Bank0.02%(3.5)2.78%
Notre Dame Federal Credit Union0.02%(3.5)5.56%
Lake City Bank0.02%(3.5)1.39%
Guaranteed Rate0.02%(3.5)6.94%
First Federal Savings Bank of Rochester, IN0.02%(3.5)6.94%
Ruoff Mortgage0.02%(3.5)1.39%
Caliber Home Loans0.04%(3.5)1.39%
Supreme Lending0.04%(3.5)1.39%
Lender NameRate DifferenceRate RatingMarket Share
1st Source Bank-0.04%(3.5)27.14%
Interra Credit Union-0.02%(3.5)2.86%
Old National Bank-0.01%(3.5)10.00%
Huntington National Bank-0.00%(3.5)2.86%
PNC Bank-0.00%(3.5)5.71%
Notre Dame Federal Credit Union-0.00%(3.5)1.43%
Bank of America-0.00%(3.5)1.43%
Guaranteed Rate0.00%(3.5)1.43%
Fifth Third Bank0.00%(3.5)2.86%
JPMorgan Chase Bank0.00%(3.5)10.00%
Lake Michigan Credit Union0.01%(3.5)1.43%
Quicken Loans0.01%(3.5)1.43%
Horicon Bank IN0.01%(3.5)4.29%
US Bank0.01%(3.5)1.43%
Ruoff Mortgage0.01%(3.5)1.43%
Wells Fargo Bank0.02%(3.5)2.86%
First Federal Savings Bank of Rochester, IN0.04%(3.5)8.57%
United Federal Credit Union0.04%(3.5)7.14%
Honor Credit Union0.05%(3.5)5.71%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.15%(4.5)6.79%
USAA-0.13%(4.0)15.57%
PNC Bank-0.05%(4.0)0.80%
loanDepot-0.03%(3.5)6.99%
Guaranteed Rate-0.01%(3.5)3.19%
Centier Bank-0.00%(3.5)0.40%
PennyMac Loan Services0.00%(3.5)1.80%
Flagstar Bank0.01%(3.5)1.40%
Caliber Home Loans0.01%(3.5)1.40%
INOVA Federal Credit Union0.01%(3.5)0.60%
Royal United Mortgage0.01%(3.5)0.40%
US Bank0.01%(3.5)0.40%
Wells Fargo Bank0.02%(3.5)0.80%
New American Funding0.02%(3.5)0.80%
Independent Bank Michigan0.02%(3.5)1.40%
Fifth Third Bank0.02%(3.5)0.40%
United Federal Credit Union0.02%(3.5)0.20%
Horicon Bank IN0.02%(3.5)2.20%
JPMorgan Chase Bank0.03%(3.5)0.40%
1st Source Bank0.03%(3.5)1.60%
Carrington Mortgage Services0.03%(3.5)3.79%
Huntington National Bank0.03%(3.5)0.20%
CMG Financial0.03%(3.5)1.40%
Cardinal Financial Company0.03%(3.5)0.60%
Ruoff Mortgage0.04%(3.5)10.18%
Supreme Lending0.04%(3.5)0.80%
Fairway Independent Mortgage Corporation0.05%(3.5)1.20%
Quicken Loans0.05%(3.0)15.77%
GVC Mortgage0.05%(3.0)2.59%
Bank of England AR0.06%(3.0)0.20%
Hallmark Home Mortgage0.06%(3.0)6.59%
Freedom Mortgage Corporation0.08%(3.0)2.99%
Union Home Mortgage0.09%(3.0)1.60%
Mr. Cooper0.11%(3.0)1.40%
Amerifirst Home Mortgage0.17%(2.5)3.19%
Lender NameRate DifferenceRate RatingMarket Share
Navy Federal Credit Union-0.17%(4.5)9.28%
USAA-0.14%(4.0)21.99%
PNC Bank-0.04%(3.5)1.37%
Guaranteed Rate0.00%(3.5)4.12%
Centier Bank0.01%(3.5)0.69%
PennyMac Loan Services0.02%(3.5)0.34%
US Bank0.03%(3.5)0.69%
loanDepot0.03%(3.5)1.37%
Wells Fargo Bank0.03%(3.5)1.37%
Freedom Mortgage Corporation0.03%(3.5)0.69%
New American Funding0.03%(3.5)1.03%
INOVA Federal Credit Union0.03%(3.5)0.34%
United Federal Credit Union0.04%(3.5)0.34%
Independent Bank Michigan0.04%(3.5)1.37%
Flagstar Bank0.04%(3.5)0.69%
JPMorgan Chase Bank0.04%(3.5)0.69%
CMG Financial0.04%(3.5)1.72%
Horicon Bank IN0.04%(3.5)2.75%
1st Source Bank0.04%(3.5)2.06%
Mr. Cooper0.05%(3.5)0.34%
Cardinal Financial Company0.05%(3.0)0.69%
Caliber Home Loans0.06%(3.0)0.69%
Quicken Loans0.06%(3.0)4.47%
Ruoff Mortgage0.07%(3.0)14.78%
Supreme Lending0.07%(3.0)1.03%
Bank of England AR0.07%(3.0)0.34%
GVC Mortgage0.07%(3.0)4.12%
Hallmark Home Mortgage0.08%(3.0)9.97%
Fairway Independent Mortgage Corporation0.09%(3.0)1.37%
Union Home Mortgage0.10%(3.0)2.75%
Carrington Mortgage Services0.11%(3.0)1.37%
Amerifirst Home Mortgage0.19%(2.5)5.15%
Lender NameRate DifferenceRate RatingMarket Share
USAA-0.08%(4.0)6.67%
loanDepot-0.05%(4.0)14.76%
Navy Federal Credit Union-0.05%(3.5)3.33%
Ruoff Mortgage-0.04%(3.5)3.81%
Caliber Home Loans-0.03%(3.5)2.38%
Guaranteed Rate-0.02%(3.5)1.90%
Flagstar Bank-0.02%(3.5)2.38%
PennyMac Loan Services-0.02%(3.5)3.81%
INOVA Federal Credit Union-0.02%(3.5)0.95%
Fairway Independent Mortgage Corporation-0.02%(3.5)0.95%
Hallmark Home Mortgage-0.01%(3.5)1.90%
GVC Mortgage-0.01%(3.5)0.48%
Royal United Mortgage-0.01%(3.5)0.95%
Independent Bank Michigan-0.01%(3.5)1.43%
New American Funding-0.00%(3.5)0.48%
Carrington Mortgage Services-0.00%(3.5)7.14%
Supreme Lending-0.00%(3.5)0.48%
1st Source Bank-0.00%(3.5)0.95%
Cardinal Financial Company0.00%(3.5)0.48%
Horicon Bank IN0.00%(3.5)1.43%
Fifth Third Bank0.00%(3.5)0.95%
Huntington National Bank0.01%(3.5)0.48%
CMG Financial0.03%(3.5)0.95%
Amerifirst Home Mortgage0.03%(3.5)0.48%
Quicken Loans0.04%(3.5)31.43%
Freedom Mortgage Corporation0.07%(3.0)6.19%
Mr. Cooper0.11%(3.0)2.86%

* Data is compiled for the South Bend, IN commuting zone area, which comprises of counties of Elkhart County, IN, Marshall County, IN, St. Joseph County, IN, Starke County, IN, Berrien County, MI, and Cass County, MI. This includes cities/towns/communities of South Bend, IN as well as Elkhart, IN, Mishawaka, IN, Goshen, IN, Granger, IN, Dowagiac, MI, Middlebury, IN, St. Joseph, MI, Grand Beach, MI, Niles, MI, Nappanee, IN, Osceola, IN, Plymouth, IN, Bristol, IN, Fair Plain, MI, Edwardsburg, MI, Dunlap, IN, Paw Paw Lake, MI, Shorewood-Tower Hills-Harbert, MI, Millersburg, IN, Bass Lake, IN, New Paris, IN, Bridgman, MI, Eau Claire, MI, Berrien Springs, MI, Hamlet, IN, New Carlisle, IN, Buchanan, MI, Argos, IN, Bremen, IN, Vandalia, MI, Watervliet, MI, Simonton Lake, IN, Marcellus, MI, Lakeville, IN, Culver, IN, North Liberty, IN, Stevensville, MI, Lake Michigan Beach, MI, La Paz, IN, Benton Harbor, MI, Bourbon, IN, Koontz Lake, IN, Shoreham, MI, Walkerton, IN, Baroda, MI, North Judson, IN, Knox, IN, Three Oaks, MI, New Troy, MI, and Galien, MI. Lenders must have made at least 30 loans in the area to be included. Source of the data is Federal Financial Institutions Examination Council (FFIEC). Rate Difference (the average difference of interest rates relative to those of other lenders) were computed by subtracting the rate at origination from the average predicted rate conditional on the commuting zone, borrower LTV, DTI, Loan Amount, Loan Type, and Loan Purpose, and then regularized based on a Bayesian approach to account for smaller sample sizes. Above-average mortgage closing costs were then added to the rate difference at a rate of +0.15/point. Star ratings were determined in intervals of 0.10% in rate difference per half star.

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