Mortgage lending in St. Joseph County, Indiana
Lenders in St. Joseph County, Indiana reported 10,563 mortgage applications for 2025, according to the CFPB.
10,563 mortgage applications and 6,675 loans originated in 2025; the denial rate was 20.1% of 8,924 applications decided. The median loan was about $145,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: South Bend-Mishawaka, IN HUD Metro FMR Area.
- 10,563
- Applications
- 6,675
- Loans originated
- 20.1%
- Denial rate
- 1,797 denied of 8,924 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 10,563 | 6,675 |
| 2024 | 9,987 | 6,370 |
| 2023 | 9,589 | 5,926 |
| 2022 | 12,062 | 7,860 |
| 2021 | 17,197 | 11,955 |
| 2020 | 15,320 | 10,759 |
| 2019 | 10,857 | 7,237 |
| 2018 | 9,630 | 6,233 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Notre Dame Federal Credit Union | 831 | 1,151 |
| Everwise Credit Union | 663 | 957 |
| 1ST Source Bank | 585 | 824 |
| Ruoff Mortgage Company | 428 | 542 |
| Rocket Mortgage | 391 | 527 |
| United Wholesale Mortgage | 236 | 297 |
| First Federal Savings Bank | 196 | 235 |
| Crosscountry Mortgage, LLC | 193 | 279 |
| Cardinal Financial Company, Li | 191 | 217 |
| United Federal Credit Union | 141 | 227 |
| Inova Federal Credit Union | 127 | 172 |
| JPMorgan Chase Bank, NA | 122 | 180 |
| Lake City Bank | 113 | 151 |
| Union Home Mortgage Corp. | 103 | 127 |
| Mortgage Research Center | 98 | 170 |
| Horizon Bank | 96 | 135 |
| Freedom Mortgage Corporation | 93 | 197 |
| Kiavi Funding, Inc. | 88 | 115 |
| Centier Bank | 82 | 129 |
| PNC Bank N.A. | 76 | 158 |
| Northwest Bank | 68 | 109 |
| Old National Bank | 66 | 102 |
| loanDepot.com LLC | 61 | 121 |
| Fairway Independent Mort Corp | 60 | 80 |
| Interra Credit Union | 55 | 76 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 53 | no rate: base under 50 |
| Asian | 252 | 19.6% of 209 decided |
| Black or African American | 783 | 30.3% of 638 decided |
| Native Hawaiian or Other Pacific Islander | 20 | no rate: base under 50 |
| White | 7,474 | 16.5% of 6,405 decided |
| 2 or more minority races | withheld | |
| Joint | 200 | 16.0% of 169 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,764 | 31.8% of 1,431 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 754 | 19.1% of 653 decided |
| Not Hispanic or Latino | 8,041 | 18.5% of 6,854 decided |
| Joint | withheld | |
| Ethnicity Not Available | 1,605 | 29.8% of 1,282 decided |
| Free Form Text Only | under 10 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 3,838 | 20.3% of 3,207 decided |
| Female | 2,612 | 25.9% of 2,222 decided |
| Joint | 3,140 | 13.9% of 2,718 decided |
| Sex Not Available | 973 | 24.7% of 777 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1953 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved