Mortgage Lenders and Brokers in Elkhart, Indiana
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Elkhart, Indiana mortgage lenders include JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1825 E Bristol St, Elkhart, IN 46514A+5.0 ★Texas Ratio: 3.68%, 1St Source Bank1St Source Bank3800 E Mishawaka Rd, Elkhart, IN 46517A+5.0 ★Texas Ratio: 5.01%, Inova Federal Credit UnionInova Federal Credit Union358 S Elkhart Ave, Elkhart, IN 46516A5.0 ★Texas Ratio: 8.94%, First Federal Savings BankFirst Federal Savings Bank2926 S Main St, Elkhart, IN 46517A5.0 ★Texas Ratio: 6.90%, First State Bank of MiddleburyFirst State Bank of Middlebury1515 Cobblestone Boulevlard, Elkhart, IN 46516A5.0 ★Texas Ratio: 10.52%, Keybank National AssociationKeybank National Association3821 S Main St, Elkhart, IN 46517A+5.0 ★Texas Ratio: 4.81%, Horizon BankHorizon Bank1909 E Bristol St, Elkhart, IN 46514A+5.0 ★Texas Ratio: 4.40%, Centier BankCentier Bank100 S Main St, Elkhart, IN 46516A5.0 ★Texas Ratio: 6.45%, Fifth Third Bank, National AssociationFifth Third Bank, National Association400 N Main St, Elkhart, IN 46516A+5.0 ★Texas Ratio: 3.22%, and Lake City BankLake City Bank240 E Jackson Blvd, Elkhart, IN 46516A+5.0 ★Texas Ratio: 2.66%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Elkhart, Indiana in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Elkhart are listed first, then lenders elsewhere in Indiana, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Elkhart, Indiana
Market share is the lender's share of all home loans closed in Elkhart, Indiana. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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4 offices in Elkhart 1825 E Bristol St, Elkhart, IN 46514 A+5.0 ★Texas Ratio: 3.68% |
Conventional, HELOC | 43 +5 HELOCs |
2.9% | 89.6% | $146,395 | View |
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5 offices in Elkhart 3800 E Mishawaka Rd, Elkhart, IN 46517 A+5.0 ★Texas Ratio: 5.01% |
Conventional, HELOC | 33 +57 HELOCs |
2.2% | 69.2% | $231,666 | View |
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358 S Elkhart Ave, Elkhart, IN 46516 A5.0 ★Texas Ratio: 8.94% |
Conventional, FHA, HELOC | 31 +65 HELOCs |
2.1% | 90.2% | $156,935 | View |
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1 office in Elkhart 2926 S Main St, Elkhart, IN 46517 A5.0 ★Texas Ratio: 6.90% |
Conventional, FHA, HELOC | 27 +31 HELOCs |
1.8% | 96.4% | $320,925 | View |
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2 offices in Elkhart 1515 Cobblestone Boulevlard, Elkhart, IN 46516 A5.0 ★Texas Ratio: 10.52% |
Conventional | 24 | 1.6% | 96% | $260,833 | View |
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3 offices in Elkhart 3821 S Main St, Elkhart, IN 46517 A+5.0 ★Texas Ratio: 4.81% |
Conventional, VA, HELOC | 17 +8 HELOCs |
1.2% | 64.3% | $185,588 | View |
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1 office in Elkhart 1909 E Bristol St, Elkhart, IN 46514 A+5.0 ★Texas Ratio: 4.40% |
Conventional, FHA, VA, HELOC | 16 +17 HELOCs |
1.1% | 84.2% | $240,000 | View |
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3 offices in Elkhart 100 S Main St, Elkhart, IN 46516 A5.0 ★Texas Ratio: 6.45% |
Conventional, FHA, HELOC | 15 +16 HELOCs |
1% | 83.3% | $175,666 | View |
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1 office in Elkhart 400 N Main St, Elkhart, IN 46516 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA, HELOC | 12 +12 HELOCs |
0.8% | 76.5% | $83,333 | View |
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6 offices in Elkhart 240 E Jackson Blvd, Elkhart, IN 46516 A+5.0 ★Texas Ratio: 2.66% |
Conventional, HELOC | 10 +84 HELOCs |
0.7% | 100% | $236,000 | View |
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1 office in Elkhart 901 County Road 6 E, Elkhart, IN 46514 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 8 +9 HELOCs |
0.5% | 88.9% | $98,750 | View |
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1 office in Elkhart 320 N Main St, Elkhart, IN 46516 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 6 +5 HELOCs |
0.4% | 85.7% | $133,333 | View |
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★ 1.7 stars, 3 reviews 1 office in Elkhart 145 County Road 6 W, Elkhart, IN 46514 A+5.0 ★Texas Ratio: 4.24% |
Conventional, HELOC | 4 +21 HELOCs |
0.3% | 100% | $302,500 | View |
Chiphone Credit Union
710 N WILDWOOD AVE, ELKHART, IN 46514 1876 |
Conventional | 3 | 0.2% | 100% | $228,333 | |
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14535 State Road 23, Granger, IN 46530 A+5.0 ★Texas Ratio: 4.39% |
Conventional, FHA, HELOC | 95 +27 HELOCs |
6.4% | 97.9% | $196,684 | View |
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4574 Elkhart Rd, Elkhart, IN 46517 A5.0 ★Texas Ratio: 6.81% |
Conventional, FHA, HELOC | 47 +76 HELOCs |
3.2% | 84.2% | $195,212 | View |
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1139 County Road 17, Elkhart, IN 46516 A+5.0 ★Texas Ratio: 1.39% |
Conventional, HELOC | 13 +59 HELOCs |
0.9% | 59.1% | $191,153 | View |
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101 S Harrison St, Alexandria, IN 46001 A+5.0 ★Texas Ratio: 3.66% |
Conventional, VA, HELOC | 4 +3 HELOCs |
0.3% | 66.7% | $262,500 | View |
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304 S Orange St, Albion, IN 46701 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 4 | 0.3% | 100% | $202,500 | View |
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720 W 30th St, Connersville, IN 47331 A+5.0 ★Texas Ratio: 2.85% |
Conventional, VA, Jumbo, HELOC | 3 +1 HELOCs |
0.2% | 23.1% | $485,000 | View |
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104 W 11th St, Bicknell, IN 47512 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 2 | 0.1% | 100% | $205,000 | View |
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6210 W Jefferson Blvd, Fort Wayne, IN 46804 3073 A+5.0 ★Texas Ratio: 5.29% |
Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $255,000 | View |
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6859 E Us Highway 36, Avon, IN 46123 A+5.0 ★Texas Ratio: 4.14% |
Conventional | 1 | 0.1% | 100% | $175,000 | View |
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1800 N Wayne St, Angola, IN 46703 A+5.0 ★Texas Ratio: 0.14% |
Conventional | 1 | 0.1% | 100% | $505,000 | View |
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★ 1 stars, 1 review 4210 Charlestown Rd, New Albany, IN 47150 A+5.0 ★Texas Ratio: 2.87% |
Conventional | 1 | 0.1% | 50% | $155,000 | View |
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136 W 7th St, Auburn, IN 46706 A+5.0 ★Texas Ratio: 2.46% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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2410 N Wayne St, Angola, IN 46703 9111 A+5.0 ★Texas Ratio: 2.42% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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104 Linksway, Aurora, IN 47001 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Ruoff Mortgage Company
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Conventional, FHA, VA | 146 | 9.9% | 93.2% | $208,904 | |
Gvc Mortgage, Inc.
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Conventional, FHA, VA | 13 | 0.9% | 93.3% | $197,307 | |
Royal United Mortgage LLC
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Conventional | 6 | 0.4% | 100% | $140,000 | |
Three Rivers Federal Crediit U
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Cardinal Financial Company, Li
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Conventional, FHA, VA | 164 | 11.1% | 99.4% | $204,268 | |
Rocket Mortgage
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Conventional, FHA, VA | 125 | 8.5% | 79.8% | $170,360 | |
CrossCountry Mortgage, LLC
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Conventional, FHA, VA, HELOC | 59 +1 HELOCs |
4% | 100% | $241,101 | |
Union Home Mortgage Corp.
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Conventional, FHA, VA | 57 | 3.9% | 98.3% | $153,596 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 44 | 3% | 76.3% | $251,136 | |
Freedom Mortgage Corporation
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Conventional, FHA, VA | 43 | 2.9% | 81% | $231,511 | |
Everett Financial, Inc.
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Conventional, FHA, HELOC | 38 +1 HELOCs |
2.6% | 88.6% | $146,052 | |
Triad Financial Services, Inc.
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Conventional | 34 | 2.3% | 53.8% | $67,352 | |
Geneva Financial LLC
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Conventional, FHA | 26 | 1.8% | 100% | $132,307 | |
Mortgage Research Center
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FHA, VA | 24 | 1.6% | 58.5% | $266,250 | |
Prosperity Home Mortgage, LLC
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Conventional, FHA | 17 | 1.2% | 85% | $249,117 | |
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★ 3 stars, 1 review A+5.0 ★Texas Ratio: 2.56% |
Conventional, VA, HELOC | 16 +6 HELOCs |
1.1% | 94.4% | $275,625 | View |
loanDepot.com LLC
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Conventional, FHA, VA, HELOC | 16 +2 HELOCs |
1.1% | 55.2% | $126,250 | |
Amerisave Mortgage Company
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Conventional, FHA | 15 | 1% | 55.2% | $89,666 | |
New American Funding, LLC.
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Conventional, FHA, VA, HELOC | 14 +1 HELOCs |
0.9% | 66.7% | $152,142 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 13 | 0.9% | 76.5% | $239,615 | |
Fairway Independent Mort Corp
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Conventional, FHA | 11 | 0.7% | 91.7% | $206,818 | |
Newrez LLC
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Conventional, FHA, VA | 10 | 0.7% | 64.7% | $241,000 | |
Nationstar Mortgage
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Conventional, FHA | 10 | 0.7% | 100% | $102,000 | |
Cmg Mortgage Inc
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Conventional, VA, USDA | 9 | 0.6% | 100% | $162,777 | |
Point Mortgage Corp
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Conventional, FHA, VA | 9 | 0.6% | 100% | $237,222 | |
Greenstate Credit Union
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Conventional | 7 | 0.5% | 76.9% | $55,000 | |
Ark-La-Tex Financial Services LLC
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Conventional, FHA, VA | 7 | 0.5% | 87.5% | $265,000 | |
Lakeview Loan Servicing, LLC
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Conventional, FHA | 6 | 0.4% | 87.5% | $226,666 | |
Guaranteed Rate, Inc.
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Conventional, FHA, VA, HELOC | 4 +2 HELOCs |
0.3% | 80% | $280,000 | |
Equity Prime Mortgage LLC
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FHA | 4 | 0.3% | 100% | $290,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional, VA | 4 | 0.3% | 66.7% | $230,000 | View |
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A5.0 ★Texas Ratio: 9.46% |
Conventional | 4 | 0.3% | 100% | $470,000 | View |
Lower, LLC
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Conventional, FHA | 4 | 0.3% | 100% | $207,500 | |
Carrington Mortgage Services LLC
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Conventional, FHA | 4 | 0.3% | 50% | $77,500 | |
American Neighborhood Mortgage Acceptance Company
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Conventional, FHA | 4 | 0.3% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 3.86% |
Conventional, FHA | 3 | 0.2% | 100% | $205,000 | View |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 3 | 0.2% | 100% | $265,000 | View |
Discover Bank
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Conventional | 3 | 0.2% | 17.6% | $81,666 | |
American Financing Corporation
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Conventional, FHA | 3 | 0.2% | 50% | $165,000 | |
Mutual of Omaha Mortgage
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FHA | 3 | 0.2% | 80% | $145,000 | |
Navy Federal Credit Union
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VA | 3 | 0.2% | 33.3% | $301,666 | |
Spring Eq, LLC
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Conventional | 3 | 0.2% | 26.7% | $38,333 | |
Goodleap, LLC
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Conventional, HELOC | 2 +4 HELOCs |
0.1% | 60% | $110,000 | |
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A+5.0 ★Texas Ratio: 0.00% |
Conventional, HELOC | 2 +4 HELOCs |
0.1% | 100% | $135,000 | View |
Cornerstone First Mortgage, LLC
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FHA | 2 | 0.1% | 100% | $265,000 | |
Primary Residential Mortgage, INC.
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Conventional, FHA | 2 | 0.1% | 100% | $95,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 0.1% | 100% | $95,000 | |
Movement Mortgage, LLC
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Conventional, FHA | 2 | 0.1% | 100% | $175,000 | |
Mortgage Assurance Inc
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Conventional, FHA | 2 | 0.1% | 100% | $165,000 | |
Sun West Mortgage Company, Inc
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FHA, VA | 2 | 0.1% | 100% | $340,000 | |
VanDyk Mortgage Corporation
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Conventional | 2 | 0.1% | 100% | $385,000 | |
Churchill Mortgage Corporation
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Conventional | 2 | 0.1% | 100% | $150,000 | |
Nations Lending Corporation
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Conventional | 2 | 0.1% | 100% | $195,000 | |
American Pacific Mortgage Corporation
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Conventional | 2 | 0.1% | 100% | $230,000 | |
Member First Mortgage, LLC
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Conventional | 2 | 0.1% | 50% | $110,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional, FHA | 2 | 0.1% | 33.3% | $165,000 | View |
Reliance First Capital, LLC
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Conventional | 2 | 0.1% | 100% | $80,000 | |
Plaza Home Mortgage, Inc
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Conventional, FHA | 2 | 0.1% | 66.7% | $305,000 | |
Village Capital & Investment
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VA | 2 | 0.1% | 100% | $220,000 | |
Pentagon Federal Credit Union
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 100% | $145,000 | |
Better Mortgage Corporation
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Conventional, HELOC | 1 +1 HELOCs |
0.1% | 20% | $165,000 | |
Polaris Home Funding Corp.
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VA | 1 | 0.1% | 100% | $325,000 | |
Premier Mortgage Resources, LLC
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FHA | 1 | 0.1% | 100% | $135,000 | |
Consumer Real Estate Finance Co DBA Society Mortgage
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FHA | 1 | 0.1% | 100% | $125,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.1% | 100% | $315,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.1% | 100% | $85,000 | |
Contour Mortgage Corporation
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Conventional | 1 | 0.1% | 100% | $245,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.1% | 100% | $135,000 | |
AmeriHome Mortgage Company, LLC
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FHA | 1 | 0.1% | 100% | $295,000 | |
Dart Bank
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Conventional | 1 | 0.1% | 100% | $255,000 | |
United Trust Bank
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VA | 1 | 0.1% | 100% | $235,000 | |
Resicentral LLC
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FHA | 1 | 0.1% | 100% | $165,000 | |
Guild Mortgage Company
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Conventional | 1 | 0.1% | 100% | $205,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 0.1% | 100% | $255,000 | |
Diamond Residential Mtg Corp
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Conventional | 1 | 0.1% | 100% | $125,000 | |
The Mortgage Warehouse, LLC
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Conventional | 1 | 0.1% | 100% | $245,000 | |
OMNI Community Credit Union
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Conventional | 1 | 0.1% | 100% | $205,000 | |
Honor Credit Union
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Conventional | 1 | 0.1% | 100% | $265,000 | |
Oceanside Mortgage Company
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FHA | 1 | 0.1% | 100% | $145,000 | |
Mid-Continent Funding, Inc.
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VA | 1 | 0.1% | 50% | $185,000 | |
Weichert Financial Services
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Conventional | 1 | 0.1% | 100% | $315,000 | |
New Day Financial, LLC.
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VA | 1 | 0.1% | 25% | $355,000 | |
Provident Funding Associates
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Conventional | 1 | 0.1% | 100% | $285,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
VA | 1 | 0.1% | 100% | $45,000 | View |
Milend, Inc
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FHA | 1 | 0.1% | 100% | $265,000 | |
Saygo Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $415,000 | |
Stockton Mortgage Corporation
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VA | 1 | 0.1% | 25% | $215,000 | |
V.I.P. Mortgage, Inc.
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FHA | 1 | 0.1% | 100% | $275,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.1% | 100% | $235,000 | |
The Loan Store, Inc
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Conventional | 1 | 0.1% | 100% | $265,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
VA | 1 | 0.1% | 100% | $215,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
Conventional | 1 | 0.1% | 100% | $165,000 | View |
Vanderbilt Mortgage and Finance, Inc
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Conventional | 1 | 0.1% | 16.7% | $335,000 | |
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★ 5 stars, 1 review A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.1% | 100% | $675,000 | View |
Figure Lending LLC
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HELOC | 0 +12 HELOCs |
0% | n/a | ||
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +9 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Fourleaf Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a |
Elkhart Mortgage Rate Trends
Daily average mortgage rates for Indiana compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Elkhart, Indiana
Looking for mortgage lenders near me or mortgage brokers near me in Elkhart? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Elkhart in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Elkhart, IN
Use these to narrow the list above. Each category shows how many Elkhart, IN lenders fit and what that kind of lender is usually best for.
Who Lends in Elkhart, IN
Independent mortgage companies closed 67.7 percent of home loans in Elkhart, Indiana in 2025, banks 17.3 percent and credit unions 15 percent. Ruoff Mortgage Company was the largest mortgage company, JPMorgan Chase Bank, NA the largest bank and Inova Federal Credit Union the largest credit union. Among lenders headquartered in Indiana, 1St Source Bank led with 33 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Title or escrow companies usually handle closings in Indiana. None
More Indiana Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Elkhart, IN
By home loans closed in 2025, JPMorgan Chase Bank, NA was the largest mortgage lender in Elkhart, Indiana with 43 loans, about 2.9 percent of the market. The largest lender headquartered in Indiana was 1St Source Bank with 33 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Elkhart, Indiana, CrossCountry Mortgage, LLC approved the highest share of completed applications in 2025 at 100 percent, against a 82 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
53 lenders closed FHA loans in Elkhart, Indiana in 2025, led by Cardinal Financial Company, Li with 54. 33 lenders closed VA loans, led by Mortgage Research Center, and 1 closed USDA rural loans. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 35 banks and 17 credit unions closed home loans in Elkhart, Indiana in 2025, alongside 78 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Elkhart, Indiana during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Elkhart, Indiana for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Elkhart. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
