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investment property cash-out lenders · HMDA 2023–2025

Investment property cash-out lenders in St. Joseph County, Indiana

Fat Boy Data analyzed investment cash-out refinance activity in St. Joseph County, Indiana, home to South Bend, to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 329 applications were decided by 95 lenders between 2023 and 2025.

St. Joseph County at a glance

95Active lenders1 with 20+ decisions
73.2%Market approval rate241 of 329 decided
$105KTypical loanmedian lender, $10K brackets
94%Borrower take-up226 loans funded

How St. Joseph County compares

Approval rate compared
St. Joseph County73.2%Indiana75.6%All 616 counties73.1%
Typical loan compared
St. Joseph County$105KIndiana$115KAll 616 counties$205K

What the data shows

First Federal Savings Bank made the most investment cash-out refinances in St. Joseph County, IN, 22 of them.

First Federal Savings Bank approved the highest share of applications among lenders with at least 20 decisions here, 100% of 24.

Investment property cash-out lenders in St. Joseph County

LenderApprovalApprovedTaken upTypical loanLoans made
1First Federal Savings Bank100%24 / 2492%$175K22
2Notre Dame Federal Credit Union CorporationLimited sample71%10 / 14100%$85K10
3Everwise Credit UnionLimited sample71%10 / 14100%$95K10
4Lima One Capital, LLCLimited sample79%11 / 14100%$125K11
5Homexpress Mortgage Corp.Broker only54%7 / 13100%$145K7

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals borrowers accepted. Lenders with fewer than 20 decisions are marked as a limited sample and never used for a “highest approval” claim.How the numbers work.

Fat Boy found 90 more lenders.

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You are seeing the 5 largest investment cash-out refinance lenders in St. Joseph County. Unlock the full market: every lender that decided one of these loans here, what they approved, how much borrowers took, and how close the nearest office is.

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  • Typical loan size and range
  • Nearest office and distance
  • Branch count and application options
  • How easy each lender is to reach

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