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investment property lenders · HMDA 2023–2025

Investment property lenders in St. Joseph County, Indiana

Fat Boy Data analyzed investment property mortgage 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. 1,101 applications were decided by 177 lenders between 2023 and 2025.

St. Joseph County at a glance

177Active lenders14 with 20+ decisions
89.5%Market approval rate986 of 1,101 decided
$145KTypical loanmedian lender, $10K brackets
95%Borrower take-up940 loans funded

How St. Joseph County compares

Approval rate compared
St. Joseph County89.5%Indiana88.6%All 616 counties87.5%
Typical loan compared
St. Joseph County$145KIndiana$155KAll 616 counties$255K

What the data shows

Kiavi Funding, Inc. made the most investment property mortgages in St. Joseph County, IN, 139 of them.

Ruoff Mortgage Company, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 46.

Approval rate of all 14 lenders with 20+ decisions here
0%25%50%75%100%One lender: 78% approved of 23One lender: 79% approved of 24One lender: 80% approved of 20One lender: 85% approved of 26One lender: 89% approved of 35Cardinal Financial Company, Limited Partnership: 91% approved of 43Kiavi Funding, Inc.: 93% approved of 1521st Source Bank: 94% approved of 48One lender: 95% approved of 20One lender: 98% approved of 40Ruoff Mortgage Company, Inc.: 100% approved of 46Notre Dame Federal Credit Union Corporation: 100% approved of 41One lender: 100% approved of 29One lender: 100% approved of 20

Each dot is one lender, placed at its approval rate. Hover for the sample size; the 5 largest lenders are named, the rest are behind the unlock.

Investment property lenders in St. Joseph County

LenderApprovalApprovedTaken upTypical loanLoans made
1Kiavi Funding, Inc.93%142 / 15298%$145K139
21st Source Bank94%45 / 4889%$145K40
3Ruoff Mortgage Company, Inc.100%46 / 4687%$145K40
4Cardinal Financial Company, Limited Partnership91%39 / 4392%$95K36
5Notre Dame Federal Credit Union Corporation100%41 / 41100%$215K41

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 172 more lenders.

One email unlocks every lender Fat Boy found.

You are seeing the 5 largest investment property mortgage 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.

  • Every lender in the market
  • Approval rate and borrower take-up
  • 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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