Tier 2 · Standard · quality score 67/100
Research mortgage companies in St Joseph County, Indiana
2 in-county HQ companies. Local means a licensed business address in this county — not statewide license alone.
Federal mortgage data · HMDA
What the federal data shows — St. Joseph County
Source: 2025 HMDA · Indiana (IN) county-level activity · Not a score or ranking
Denials ÷ applications (cleaned HMDA county extract)
Share of purchase vs refi among those purposes
Loan-type mix (originations)
- Conventional82.7% · 5,518
- FHA12.3% · 819
- VA5.0% · 331
- USDA / RHS0.0% · 5
Purchase vs refinance
Bar shows purchase share of purchase + refinance.
Most active matched lenders in this county
Ranked by actual HMDA originations in St. Joseph County (2025). Only institutions matched to our directory evidence set are linked.
| Lender | Originations | County share |
|---|---|---|
| 254900DNPJINSUKFZ002 | 831 | 12.4% |
| EVERWISE CREDIT UNION | 663 | 9.9% |
| 1st Source Bank | 585 | 8.8% |
| RUOFF MORTGAGE COMPANY, INC. | 428 | 6.4% |
| Rocket Mortgage, LLC | 391 | 5.9% |
| United Wholesale Mortgage, LLC | 236 | 3.5% |
| 549300XUKQ6W1CY6QK47 | 196 | 2.9% |
| Freedom Mortgage Corporation | 193 | 2.9% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 191 | 2.9% |
| 549300PKEQ3Q9S0IXW76 | 141 | 2.1% |
| 549300SQH6MBVMMRRA85 | 127 | 1.9% |
| JPMorgan Chase Bank, National Association | 122 | 1.8% |
Data as of 2025 HMDA. Figures are derived from public HMDA records published by the CFPB/FFIEC Data Browser. They reflect reported mortgage applications and originations, not a rating or endorsement. CFPB/FFIEC HMDA Data Browser.
We show the public record. You decide.
Loan-program research entry points
Educational pathways only. Confirm product eligibility and pricing with any company and primary sources — these are not live lender quotes.
- Conventional
Baseline purchase & refinance themes — educational overview
At least one in-county listing shows this loan type
- FHA
Lower down-payment research themes — not an eligibility tool
At least one in-county listing shows this loan type
- VA
Military / veteran program themes — confirm with VA sources
At least one in-county listing shows this loan type
- Down-payment assistance
State/local assistance concepts — not a complete local inventory
- Program finder
Short guided shortlist with clear disclaimers
Compare, calculate, verify
Official housing & licensing handoffs
Primary sources only. Program availability and eligibility change — confirm on the official site.
- NMLS Consumer Access ↗ — Confirm company and individual licenses before you apply
- CFPB — Owning a Home ↗ — Educational tools and Loan Estimate guides
- HUD housing counseling ↗ — Find a HUD-approved housing counselor
County quality score 67/100 · Tier 2 (Standard). See methodology. Path: /local-lenders/indiana/st-joseph
Only 2 listed lenders with confirmed in-county HQ for St Joseph County, Indiana. We do not pad this list with distant offices labeled as local.
In-county HQ
Licensed business city or HQ locality maps to St Joseph County.