Mortgage lenders in St. Joseph County
1,462 mortgages were made in St. Joseph County, Michigan, in 2025, by 194 lenders. The median rate their borrowers got was 6.875% on a median loan of $145,000. Of 1,944 decisions, 379 were denials — 19.5%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Sturgis Bank & Trust Company | 235 | 7.000% | $105,000 | 4.4% |
| RUOFF MORTGAGE COMPANY, INC. | 95 | 6.625% | $185,000 | 9.4% |
| 254900W66Q1214MV8X83 | 85 | 7.250% | $75,000 | 35.0% |
| Rocket Mortgage, LLC | 80 | 6.625% | $175,000 | 21.4% |
| Prosperity Home Mortgage, LLC | 69 | 6.625% | $195,000 | 8.0% |
| ARBOR FINANCIAL CREDIT UNION | 58 | 7.500% | $90,000 | 13.2% |
| The Huntington National Bank | 46 | 7.540% | $110,000 | 38.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 39 | 6.125% | $185,000 | 15.2% |
| Farmers State Bank | 38 | 7.290% | $130,000 | 2.3% |
| Fifth Third Bank, National Association | 34 | 7.625% | $85,000 | 42.4% |
| Southern Michigan Bank & Trust | 33 | Not published | $135,000 | 11.6% |
| CONSUMERS CREDIT UNION | 28 | 6.500% | $175,000 | 6.7% |
| UNION HOME MORTGAGE CORP. | 27 | 6.625% | $185,000 | 0.0% |
| Horizon Bank | 27 | 6.000% | $65,000 | 17.7% |
| LAKE MICHIGAN CREDIT UNION | 27 | 6.990% | $95,000 | 12.9% |
| KELLOGG COMMUNITY CREDIT UNION | 27 | 7.250% | $55,000 | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 26 | 6.808% | $150,000 | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 25 | 6.950% | $175,000 | 10.7% |
| Mortgage Research Center, LLC | 22 | 6.375% | $225,000 | 26.7% |
| FREEDOM MORTGAGE CORPORATION | 19 | 6.250% | $175,000 | 12.5% |
| INTERRA CREDIT UNION | 19 | 7.500% | $115,000 | 20.8% |
| GVC MORTGAGE, INC. | 17 | 6.625% | $185,000 | 0.0% |
| Flagstar Bank, N.A. | 16 | 6.375% | $135,000 | 23.8% |
| Loandepot.Com, LLC | 13 | 7.625% | $95,000 | 27.8% |
| KALSEE CREDIT UNION | 12 | 4.490% | $75,000 | 0.0% |
| Honor Credit Union | 11 | 7.250% | $145,000 | 20.0% |
| MEMBER FIRST MORTGAGE, LLC | 10 | 6.875% | $135,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 10 | 8.500% | $60,000 | 16.7% |
| SUCCESS MORTGAGE PARTNERS, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Lake City Bank | 9 | Under 10 loans | Under 10 loans | 10.0% |
| JPMorgan Chase Bank, National Association | 9 | Under 10 loans | Under 10 loans | 10.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 52.6% |
| AmeriSave Mortgage Corporation | 7 | Under 10 loans | Under 10 loans | 65.0% |
| PENNYMAC LOAN SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 30.0% |
| GUARANTEED RATE, INC. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| First State Bank of Middlebury | 7 | Under 10 loans | Under 10 loans | 12.5% |
| ADVIA Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 53.3% |
| NEWREZ LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| FIGURE LENDING LLC | 6 | Under 10 loans | Under 10 loans | 28.6% |
| EVERWISE CREDIT UNION | 6 | Under 10 loans | Under 10 loans | 25.0% |
| CITY FIRST MORTGAGE SERVICES, L.L.C. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| MORTGAGE CENTER L.C | 5 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Source Bank | 5 | Under 10 loans | Under 10 loans | 14.3% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GreenStone Farm Credit Services, FLCA | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers & Merchants State Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Coastal Community Bank | 4 | Under 10 loans | Under 10 loans | 14.3% |
| Navy Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 42.9% |
| UNITED FEDERAL CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 16.7% |
| The Dart Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| The Campbell & Fetter Bank | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| U.S. Bank National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| PNC Bank, National Association | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Old National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| GUILD MORTGAGE COMPANY | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONTOUR MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERENCE FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BEACON CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Fairway Independent Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 50.0% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| GoodLeap, LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Independent Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| TOP FLITE FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUMMIT FUNDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Mercantile Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Merchants Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 90.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 53.8% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 62.5% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 57.1% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Centier Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 1 | Under 10 loans | Under 10 loans | 66.7% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Union Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE LOAN STORE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION ONE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PFCU | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST NATIONAL BANCORP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Shelby State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GreenStone Farm Credit Services, ACA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BPL MORTGAGE TRUST, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLUS RELOCATION MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST ALLIANCE HOME MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GREENWOOD CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American National Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN SCHOOLS AND GOVERNMENT | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Three Rivers Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Comerica Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| 254900O723MCLR701H50 | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| INOVA | 0 | Under 10 loans | Under 10 loans | Not published |
| A&D Mortgage LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Filo Mortgage, L.L.C. | 0 | Under 10 loans | Under 10 loans | Not published |
| SOUTHWEST STAGE FUNDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Peoples Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| INTERSTATE HOME LOAN CENTER, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 0 | Under 10 loans | Under 10 loans | Not published |
| MARSHALL COMMUNITY CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Third Federal Savings and Loan Association of Cleveland | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LENDINGONE, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| MICHIGAN FIRST CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCMBC, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Plains Commerce Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| LONGBRIDGE FINANCIAL, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| KIND LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| AMWEST FUNDING CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Texana Bank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| TRUE COMMUNITY Credit Union | 0 | Under 10 loans | Under 10 loans | Not published |
| Meijer Credit Union | 0 | Under 10 loans | Under 10 loans | 100.0% |
| DFCU FINANCIAL | 0 | Under 10 loans | Under 10 loans | Not published |
| MISSION LOANS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| SayGO Home Loans, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Arvest Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Citibank, National Association | 0 | Under 10 loans | Under 10 loans | Not published |
| Heartland Bank and Trust Company | 0 | Under 10 loans | Under 10 loans | 0.0% |
| Regions Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| First Federal Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Manufacturers and Traders Trust Company | 0 | Under 10 loans | Under 10 loans | Not published |
| LUXURY MORTGAGE CORP. | 0 | Under 10 loans | Under 10 loans | Not published |
| MidFirst Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL RESOURCES, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| DATA MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| PANORAMA MORTGAGE GROUP, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| TEACHERS FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in St. Joseph County
22 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Sturgis Bank & Trust Company | 6 | $359.5 million |
| Southern Michigan Bank & Trust | 6 | $268.0 million |
| Century Bank and Trust | 4 | $107.1 million |
| Flagstar Bank, National Association | 2 | $70.1 million |
| Fifth Third Bank, National Association | 1 | $85.3 million |
| The Huntington National Bank | 1 | $70.0 million |
| Horizon Bank | 1 | $48.5 million |
| Farmers State Bank | 1 | $29.2 million |
Get told when this changes
When the next year’s lending figures are out for St. Joseph County, or a lender arrives or leaves.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.