Mortgage Lenders and Brokers in St. Joe, 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
St. Joe, Indiana mortgage lenders include Fort Financial Credit UnionFort Financial Credit Union603 W Harcourt Rd, Angola, IN 46703 8802A+5.0 ★Texas Ratio: 2.95%, First Merchants BankFirst Merchants Bank800 Main St Ste 100, Anderson, IN 46016A+5.0 ★Texas Ratio: 4.12%, The Antwerp Exchange Bank CompanyThe Antwerp Exchange Bank Company10726 Thimlar Rd, Harlan, IN 46743A5.0 ★Texas Ratio: 6.09%, MidWest America Federal Credit UnionMidWest America Federal Credit Union1409 N Wayne St, Angola, IN 46703A+5.0 ★Texas Ratio: 4.56%, Profed Federal Credit UnionProfed Federal Credit Union2410 N Wayne St, Angola, IN 46703 9111A+5.0 ★Texas Ratio: 2.42%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA29 S Sr 267, Avon, IN 46123A+5.0 ★Texas Ratio: 3.68%, The Hicksville BankThe Hicksville Bank1130 W 15th St, Auburn, IN 46706A+5.0 ★Texas Ratio: 0.00%, 1St Source Bank1St Source Bank518 N Michigan St, Argos, IN 46501A+5.0 ★Texas Ratio: 5.01%, US Bank, N.A.US Bank, N.A.720 W 30th St, Connersville, IN 47331A+5.0 ★Texas Ratio: 2.85%, and Huntington National BankHuntington National Bank101 S Harrison St, Alexandria, IN 46001A+5.0 ★Texas Ratio: 3.66%. 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 St. Joe, Indiana in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in St. Joe 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 St. Joe, Indiana
Market share is the lender's share of all home loans closed in St. Joe, 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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603 W Harcourt Rd, Angola, IN 46703 8802 A+5.0 ★Texas Ratio: 2.95% |
Conventional | 4 | 4.7% | 80% | $87,500 | View |
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800 Main St Ste 100, Anderson, IN 46016 A+5.0 ★Texas Ratio: 4.12% |
Conventional, HELOC | 3 +6 HELOCs |
3.5% | 100% | $201,666 | View |
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10726 Thimlar Rd, Harlan, IN 46743 A5.0 ★Texas Ratio: 6.09% |
Conventional | 3 | 3.5% | 100% | $281,666 | View |
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1409 N Wayne St, Angola, IN 46703 A+5.0 ★Texas Ratio: 4.56% |
Conventional | 3 | 3.5% | 100% | $41,666 | |
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2410 N Wayne St, Angola, IN 46703 9111 A+5.0 ★Texas Ratio: 2.42% |
Conventional, HELOC | 2 +1 HELOCs |
2.4% | 100% | $300,000 | View |
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29 S Sr 267, Avon, IN 46123 A+5.0 ★Texas Ratio: 3.68% |
Conventional, FHA | 2 | 2.4% | 66.7% | $175,000 | View |
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1130 W 15th St, Auburn, IN 46706 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 2 | 2.4% | 100% | $355,000 | View |
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518 N Michigan St, Argos, IN 46501 A+5.0 ★Texas Ratio: 5.01% |
Conventional, HELOC | 1 +1 HELOCs |
1.2% | 100% | $165,000 | View |
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720 W 30th St, Connersville, IN 47331 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1.2% | 50% | $125,000 | View |
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101 S Harrison St, Alexandria, IN 46001 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.2% | 100% | $285,000 | View |
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2204 N Wayne St, Angola, IN 46703 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 1.2% | 100% | $105,000 | View |
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5317 S Bend Dr, Fort Wayne, IN 46804 A5.0 ★Texas Ratio: 12.96% |
Conventional | 1 | 1.2% | 100% | $165,000 | View |
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502 S Gonser Ave, Ashley, IN 46705 A5.0 ★Texas Ratio: 6.21% |
Conventional | 1 | 1.2% | 100% | $65,000 | View |
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307 North Wayne Street, Angola, IN 46703 A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 1.2% | 100% | $395,000 | 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 | 1.2% | 100% | $245,000 | View |
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114 W Rochester St, Akron, IN 46910 A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 111 N Harrison St, Alexandria, IN 46001 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +3 HELOCs |
0% | 0% | View | |
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307 E Jackson St, Attica, IN 47918 A+5.0 ★Texas Ratio: 4.40% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
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735 Main St, Anderson, IN 46016 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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100 Growth Pkwy, Angola, IN 46703 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Three Rivers Federal Crediit U
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Conventional, HELOC | 10 +2 HELOCs |
11.8% | 78.6% | $234,000 | |
Ruoff Mortgage Company
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Conventional, FHA, VA, USDA | 10 | 11.8% | 80% | $257,000 | |
Gvc Mortgage, Inc.
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Conventional, FHA | 5 | 5.9% | 100% | $307,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.2% | 100% | $165,000 | |
Fire Police City County Federa
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Conventional | 1 | 1.2% | 100% | $85,000 | |
Rocket Mortgage
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Conventional, FHA | 8 | 9.4% | 69.2% | $192,500 | |
Farm Credit Mid-America, Aca
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Conventional, Jumbo | 4 | 4.7% | 100% | $342,500 | |
United Wholesale Mortgage
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FHA, VA | 2 | 2.4% | 100% | $280,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 2.4% | 100% | $360,000 | View |
V.I.P. Mortgage, Inc.
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Conventional, FHA | 2 | 2.4% | 100% | $220,000 | |
The Farmers & Merchants State Bank
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Conventional, HELOC | 1 +3 HELOCs |
1.2% | 100% | $395,000 | |
Polaris Home Funding Corp.
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Conventional | 1 | 1.2% | 100% | $405,000 | |
American Financial Resources LLC
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Conventional | 1 | 1.2% | 100% | $165,000 | |
Guaranteed Rate, Inc.
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Conventional | 1 | 1.2% | 100% | $75,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 1.2% | 100% | $145,000 | |
Diamond Residential Mtg Corp
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Conventional | 1 | 1.2% | 100% | $135,000 | |
New Day Financial, LLC.
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VA | 1 | 1.2% | 100% | $205,000 | |
Union Savings Bank
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Conventional | 1 | 1.2% | 100% | $395,000 | |
Mortgage Research Center
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FHA | 1 | 1.2% | 100% | $55,000 | |
Stockton Mortgage Corporation
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VA | 1 | 1.2% | 100% | $475,000 | |
New American Funding, LLC.
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USDA | 1 | 1.2% | 100% | $205,000 | |
Ag Credit, ACA
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Conventional | 1 | 1.2% | 100% | $785,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 1.2% | 100% | $255,000 | |
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Alliant Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Goodleap, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
St. Joe 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 St. Joe, Indiana
Looking for mortgage lenders near me or mortgage brokers near me in St. Joe? The list below shows the banks, credit unions and mortgage brokers that closed home loans in St. Joe in 2025, with lenders based there listed first.
Types of Mortgage Lenders in St. Joe, IN
Use these to narrow the list above. Each category shows how many St. Joe, IN lenders fit and what that kind of lender is usually best for.
Who Lends in St. Joe, IN
Independent mortgage companies closed 50.6 percent of home loans in St. Joe, Indiana in 2025, banks 25.9 percent and credit unions 23.5 percent. Ruoff Mortgage Company was the largest mortgage company, First Merchants Bank the largest bank and Fort Financial Credit Union the largest credit union. Among lenders headquartered in Indiana, Fort Financial Credit Union led with 4 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 St. Joe, IN
By home loans closed in 2025, Fort Financial Credit Union was the largest mortgage lender in St. Joe, Indiana with 4 loans, about 4.7 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in St. Joe, Indiana in 2025, led by Ruoff Mortgage Company with 2. 4 lenders closed VA loans, led by Ruoff Mortgage Company, and 2 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. 21 banks and 6 credit unions closed home loans in St. Joe, Indiana in 2025, alongside 20 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 St. Joe, 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 St. Joe, 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 St. Joe. 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.
