What people paid for mortgages in St. Joseph County, IN (2025)

Across 2,526 closed home-purchase loans in 2025, the median interest rate in St. Joseph was 6.625%, and the middle half of borrowers got between 6.375% and 6.99%. Median total loan costs ran $3,688 on a median loan of $205,000. Source: federal HMDA filings on first-lien, owner-occupied loans.

Data: FFIEC HMDA modified LAR, 2024 and 2025 filings, loaded August 2026.

Home purchase

Median rate: 6.625%
Middle half of rates: 6.375%–6.99%
Median total loan costs: $3,688
Median loan amount: $205,000

2,526 loans, 2025.

Refinance

Median rate: 6.5%
Middle half of rates: 5.999%–7.25%
Median total loan costs: $5,157
Median loan amount: $165,000

1,360 loans, 2025.

Lowest median rates in St. Joseph (2025)

The lenders whose own closed loans had the lowest median interest rate here, among lenders with enough local volume for the median to mean something. A low median is a reason to include that lender when you collect Loan Estimates; it is not a promise about the rate you will be quoted. An independent mortgage broker can pull quotes from several lenders at once on one application.

Home purchase

1.Mortgage Research Center6.25%83 loans, median costs $4,678
2.JPMorgan Chase Bank, NA6.49%80 loans, median costs $2,236
3.EVERWISE CREDIT UNION6.5%154 loans, median costs $3,026
4.United Wholesale Mortgagebroker only6.5%114 loans, median costs $5,765
5.UNITED FEDERAL CREDIT UNION6.5%47 loans, median costs $3,059

Among lenders with at least 30 closed purchase loans in St. Joseph County in 2025.

Refinance

1.United Wholesale Mortgagebroker only6.125%103 loans, median costs $6,530
2.ROCKET MORTGAGE6.375%183 loans, median costs $6,412
3.FREEDOM MORTGAGE CORPORATION6.375%88 loans, median costs $5,042
4.Ruoff Mortgage Company6.625%33 loans, median costs $4,774
5.EVERWISE CREDIT UNION7.125%90 loans, median costs $3,093

Among lenders with at least 30 closed refinance loans in St. Joseph County in 2025.

Why you may not recognize these names

The largest lenders in most counties are not banks. Homebuilders such as D.R. Horton and Lennar own their own mortgage companies (DHI Mortgage, Lennar Mortgage), and because builders attach rate buydowns and closing-cost incentives to using them, the builder's lender often tops the table in counties with heavy new construction, with median rates that look low because the builder paid to lower them. Lenders marked broker only, such as United Wholesale Mortgage, take no applications from the public: federal HMDA reporting credits each loan to the lender that made the credit decision, so loans arranged by independent brokers appear here under the wholesale lender that funded them. Others, such as PennyMac and Freedom Mortgage, operate at national scale by buying loans from smaller lenders and refinancing the loans they service, heavily in FHA and VA lending. Who actually lends, and why the biggest names are not banks covers the full picture, with sources.

Lender by lender in St. Joseph

Every lender that closed at least 5 qualifying loans in St. Joseph County in 2025, sorted by loan count. The # column is the lender's rank here by closed loans for the selected purpose. Median origination is the lender's own charges (Loan Estimate section A); median points is the discount-points portion. Lenders marked "broker only" fund loans through independent mortgage brokers rather than taking applications directly.

#	Lender	Loans	Median rate	Median total costs	Median origination	Median points
1	Ruoff Mortgage Company	357	6.75%	$3,370	$1,370	$942
2	Notre Dame Federal Credit Union	255	6.625%	$3,745	$1,976	n/a
3	CROSSCOUNTRY MORTGAGE, LLC	158	6.575%	$4,435	$1,942	$1,037
4	EVERWISE CREDIT UNION	154	6.5%	$3,026	$1,130	$375
5	1ST SOURCE BANK	139	6.75%	$2,655	$845	$750
6	CARDINAL FINANCIAL COMPANY, LI	132	6.99%	$5,537	$2,981	$2,245
7	United Wholesale Mortgagebroker only	114	6.5%	$5,765	$4,006	$585
8	ROCKET MORTGAGE	98	6.75%	$5,422	$2,870	$2,432
9	FIRST FEDERAL SAVINGS BANK	89	6.875%	$3,238	$1,750	$1,041
10	Mortgage Research Center	83	6.25%	$4,678	$0	$978
11	JPMorgan Chase Bank, NA	80	6.49%	$2,236	$436	$1,086
12	HORIZON BANK	66	6.75%	$2,813	$1,275	$422
13	Union Home Mortgage Corp.	64	6.625%	$6,411	$3,372	$1,640
14	UNITED FEDERAL CREDIT UNION	47	6.5%	$3,059	$975	$488
15	GVC MORTGAGE, INC.	42	6.875%	$3,671	$1,569	$954
16	FAIRWAY INDEPENDENT MORT CORP	38	6.812%	$4,019	$1,595	$1,782
17	CENTIER BANK	31	7.125%	$1,309	$0	$1,992
18	21ST MORTGAGE	27	11.36%	n/a	n/a	n/a
19	TRIAD FINANCIAL SERVICES, INC.	25	8.49%	n/a	n/a	n/a
20	INOVA FEDERAL CREDIT UNION	25	6.5%	$1,981	$750	n/a
21	Huntington National Bank	19	6.625%	$3,284	$1,906	$698
22	EVERETT FINANCIAL, INC.	18	6.995%	$8,851	$5,105	$3,662
23	PNC BANK N.A.	18	6.312%	$3,215	$1,533	$735
24	Old National Bank	15	6.625%	$3,212	$1,100	$440
25	Point Mortgage Corp	14	6.495%	$3,372	$1,402	$1,000
26	Navy Federal Credit Union	14	5.938%	$2,781	$0	$3,025
27	PROSPERITY HOME MORTGAGE, LLC	11	6.875%	$3,116	$1,300	$339
28	VanDyk Mortgage Corporation	11	6.625%	$3,519	$1,874	$1,103
29	KEYBANK NATIONAL ASSOCIATION	11	6.25%	$3,290	$1,515	$299
30	ZILLOW HOME LOANS, LLC	10	6.812%	$5,654	$2,665	$2,289
31	Interra Credit Union	10	6.812%	$2,297	$825	n/a
32	MOVEMENT MORTGAGE, LLC	10	6.875%	$4,335	$2,542	$708
33	NEW AMERICAN FUNDING, LLC.	10	7.058%	$6,145	$2,719	$2,329
34	GUARANTEED RATE, INC.	10	6.625%	$3,638	$1,889	$2,884
35	First State Bank of Middlebury	10	n/a	n/a	n/a	n/a
36	Fifth Third Bank, National Association	10	6.625%	$3,285	$1,295	$817
37	LAKE CITY BANK	9	6.75%	$2,483	$1,035	$321
38	USAA BANK	9	6.375%	$2,818	$1,096	$782
39	WELLS FARGO BANK NA	9	6.5%	$3,211	$1,709	$1,439
40	Flagstar Bank NA	9	6.75%	$5,223	$1,824	$1,540

What these numbers are, and are not

Everything above is computed from the FFIEC's HMDA Modified Loan/Application Register, the public loan-level file nearly every mortgage lender must submit each year, filtered to originated, first-lien, owner-occupied principal-residence loans that were not business-purpose or reverse mortgages. Groups smaller than 5 loans are omitted. The methodology page documents every step.

The public file contains no credit scores, so differences between lenders mix true pricing differences with different customer bases: loan sizes, points paid, and borrower profiles all vary by lender. A median is context for your own quote, not a ranking and not an offer. Rates here are also a year's worth of closings blended together, while your quote reflects a single day's market.

The one move that reliably saves money

Get more than one Loan Estimate. Every lender must give you one within 3 business days of your application, on the same standardized form, and cannot charge you more than a reasonable credit-report fee to do it. Collecting two or three makes the offers directly comparable, line by line.

Your Loan Estimate rights

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Common questions

What mortgage rate did people get in St. Joseph County in 2025?

The median interest rate on closed home-purchase loans in St. Joseph County, Indiana in 2025 was 6.625%, across 2,526 first-lien, owner-occupied loans. The middle half of borrowers got between 6.375% and 6.99%.

Is this a rate I can get today?

No. These are medians of loans that already closed, under those borrowers' credit profiles, loan sizes, discount points, and lock dates. Rates also move daily. The way to learn your own number is to collect Loan Estimates from two or three lenders, which federal rules make close to free.

Why do lenders in the table show different rates?

Partly pricing, partly customer mix. Public HMDA data contains no credit scores, so a lender serving stronger-credit borrowers or larger loans will show a different median than one serving first-time buyers, at identical pricing. Use the table as a map of who is active locally and roughly where they land, not as a ranking.

Where do these numbers come from?

The FFIEC's public HMDA Modified Loan/Application Register, the loan-level data nearly every mortgage lender must file each year, filtered to originated, first-lien, owner-occupied, non-business, non-reverse loans, in groups of at least 5.