Adams County, IN Mortgage Lenders & HMDA Data, 2025

In 2025, lenders reported 1,449 mortgage applications in Adams County, IN totaling $221.5 million, up 20% from 2024. The average application was for $152,000, and applicants reported an average income of $82,000. 66% of applications resulted in an originated loan and 11% were denied. The most active lender was The Farmers & Merchants State Bank, with 291 applications, followed by First Bank of Berne and First Merchants Bank.

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Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 1,449
Total Mortgage Loan Application Amount $221,485,000
Average Mortgage Loan Application Amount $152,000
Highest Mortgage Loan Application Amount $2,875,000
Average Applicant Income $82,000
Highest Applicant Income $941,000

Mortgage Company List for Lending in Adams County, IN for 2025

* Phone Numbers for Mortgage Lenders are available with a Data Download Report
Mortgage Lender Phone Number Mortgage Lender Assets Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loan Applications
The Farmers & Merchants State Bank
307 N DEFIANCE ST
ARCHBOLD, OH 43502
* $ n/a 291 $ 44,855,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ n/a 218 $ 32,040,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ n/a 86 $ 10,690,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 82 $ 14,190,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ n/a 77 $ 9,285,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 71 $ 7,695,000
Profed Federal Credit Union
1710 ST. JOE RIVER DR.
FORT WAYNE, IN 46805
* $ n/a 61 $ 6,225,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ n/a 58 $ 9,670,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 32 $ 5,550,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 20 $ 2,350,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 18 $ 3,520,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ n/a 16 $ 2,620,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 16 $ 3,530,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 16 $ 3,050,000
Greenway Bank

FORT WAYNE, IN 46802
* $ n/a 16 $ 4,830,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 15 $ 1,895,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 15 $ 2,685,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 14 $ 2,310,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 14 $ 2,180,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 13 $ 2,225,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 12 $ 1,430,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 11 $ 455,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 10 $ 1,680,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 9 $ 1,425,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 9 $ 865,000
Lower, LLC
5950 SYMPHONY WOODS DRIVE
COLUMBIA, MD 21044
* $ n/a 8 $ 1,960,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 8 $ 1,680,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 7 $ 1,085,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ n/a 7 $ 1,615,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 7 $ 815,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 7 $ 1,835,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ n/a 6 $ 540,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 6 $ 710,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 6 $ 710,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 6 $ 690,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 5 $ 335,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ n/a 5 $ 645,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 5 $ 355,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 5 $ 1,145,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ n/a 5 $ 1,595,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 4 $ 320,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ n/a 4 $ 250,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ n/a 4 $ 750,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ n/a 4 $ 660,000
Valon Mortgage
14647 S 50TH ST, STE A150
PHOENIX, AZ 85044
* $ n/a 4 $ 390,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ n/a 4 $ 690,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 4 $ 750,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 4 $ 200,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 3 $ 515,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ n/a 3 $ 445,000
Fort Financial Credit Union
3102 SPRING ST
FORT WAYNE, IN 46818
* $ n/a 3 $ 315,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 3 $ 285,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 3 $ 665,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 325,000
Lake City Bank
P.O. BOX 1387
WARSAW, IN 46581
* $ n/a 3 $ 3,395,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 3 $ 605,000
Coastal Community Bank
PO BOX 12220
EVERETT, WA 98203
* $ n/a 3 $ 105,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ n/a 2 $ 340,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 2 $ 300,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 2 $ 490,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 2 $ 470,000
Mission Loans, LLC

IRVINE, CA 92612
* $ n/a 2 $ 340,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 2 $ 610,000
The Citizens National Bank
102 S. MAIN ST.
BLUFFTON, OH 45817
* $ n/a 2 $ 520,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ n/a 2 $ 70,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 2 $ 330,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ n/a 2 $ 90,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 2 $ 650,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 2 $ 470,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 2 $ 550,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 2 $ 280,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ n/a 1 $ 45,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 1 $ 75,000
Loan Funder LLC
645 MADISON AVENUE, 19TH FLOOR
NEW YORK, NY 10022
* $ n/a 1 $ 95,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ n/a 1 $ 145,000
Loansteady LLC
8401 GREENSBORO DRIVE SUITE 950
MCCLEAN, VA 22102
* $ n/a 1 $ 275,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 1 $ 135,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ n/a 1 $ 185,000
Emm Loans LLC
3 EXECUTIVE CAMPUS, SUITE 520
CHERRY HILL, NJ 08003
* $ n/a 1 $ 185,000
A&D Mortgage LLC
899 W. CYPRESS CREEK ROAD
FT. LAUDERDALE, FL 33309
* $ n/a 1 $ 145,000
Paramount Residential Mortgage
1265 CORONA POINTE CT SUITE 301
CORONA, CA 92879
* $ n/a 1 $ 275,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 1 $ 365,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ n/a 1 $ 25,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 1 $ 265,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 55,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 205,000
Polish & Slavic Federal Credit
100 MCGUINNESS BLVD
BROOKLYN, NY 11222
* $ n/a 1 $ 125,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ n/a 1 $ 185,000
Inova Federal Credit Union
358 S ELKHART AVENUE
ELKHART, IN 46516
* $ n/a 1 $ 65,000
Mortgage Assurance Inc
333 NORTH POINT CENTER E SUITE 230
ALPHARETTA, GA 30022
* $ n/a 1 $ 205,000
Quorum Federal Credit Union
2500 WESTCHESTER AVENUE
PURCHASE, NY 10577
* $ n/a 1 $ 55,000
American Financial Network, Inc.
10 POINTE DRIVE, SUITE 330
BREA, CA 92821
* $ n/a 1 $ 145,000
Point Mortgage Corp
864 AMENA COURT
CHULA VISTA, CA 91910
* $ n/a 1 $ 245,000
American Internet Mortgage, Inc.
4121 CAMINO DEL RIO SOUTH
SAN DIEGO, CA 92108
* $ n/a 1 $ 185,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 25,000
Fire Police City County Federa
3306 N. CLINTON STREET
FORT WAYNE, IN 46805
* $ n/a 1 $ 65,000
Tib, National Association
11701 LUNA ROAD
FARMERS BRANCH, TX 75234
* $ n/a 1 $ 385,000
Flat Branch Mortgage, Inc.
101 S. FIFTH STREET, STE 200
COLUMBIA, MO 65201
* $ n/a 1 $ 165,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 1 $ 115,000
First Federal Bank
4705 US HWY 90 W
LAKE CITY, FL 32055
* $ n/a 1 $ 215,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 1 $ 195,000
Morton Community Bank
721 W. JACKSON
MORTON, IL 61550
* $ n/a 1 $ 65,000
First Community Bank
5455 SUNSET BLVD
LEXINGTON, SC 29072
* $ n/a 1 $ 215,000
Digital Federal Credit Union
220 DONALD LYNCH BOULEVARD
MARLBOROUGH, MA 01752
* $ n/a 1 $ 115,000
Third Federal Savings and Loan
7007 BROADWAY AVENUE
CLEVELAND, OH 44105
* $ n/a 1 $ 65,000
First Bank Richmond
20 N 9TH ST
RICHMOND, IN 47375
* $ n/a 1 $ 2,185,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ n/a 1 $ 135,000
Nationwide Mortgage Bankers, Inc.

MELVILLE, NY 11747
* $ n/a 1 $ 125,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ n/a 1 $ 305,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ n/a 1 $ 145,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ n/a 1 $ 25,000
Compass Mortgage, Inc.
27755 DIEHL ROAD, STE 100
WARRENVILLE, IL 60555
* $ n/a 1 $ 135,000

The tables below break down 2025 mortgage applications in Adams County, IN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.

Mortgage Loan Application Detail Totals for Adams County, IN in 2025

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 539 $117,785,000 $218,000 $2,875,000 $83,000 $387,000
Cash-out Refinancing 287 $43,545,000 $151,000 $745,000 $70,000 $254,000
Other Purpose 239 $19,265,000 $80,000 $505,000 $87,000 $941,000
Refinancing 221 $29,535,000 $133,000 $515,000 $87,000 $374,000
Home Improvement 162 $11,310,000 $69,000 $465,000 $87,000 $289,000
Not Applicable 1 $45,000 $45,000 $45,000 $0 $0

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 1,238 $179,890,000 $145,000 $1,425,000 $81,000 $557,000
Not applicable 99 $25,025,000 $252,000 $2,875,000 $80,000 $109,000
Not Provided 55 $7,685,000 $139,000 $625,000 $105,000 $941,000
Hispanic 44 $6,400,000 $145,000 $345,000 $80,000 $187,000
Black or African American 5 $885,000 $177,000 $235,000 $75,000 $130,000
American Indian or Alaskan Native 4 $730,000 $182,000 $265,000 $43,000 $67,000
Asian 4 $870,000 $217,000 $265,000 $89,000 $125,000
Native Hawaiian or Other Pacific Islander 0 $0 $0 $0 $0 $0

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 1,188 $174,480,000 $146,000 $2,875,000 $84,000 $941,000
FHA-insured (Federal Housing Administration) 161 $26,405,000 $164,000 $455,000 $65,000 $234,000
VA-guaranteed (Veterans Administration) 61 $13,935,000 $228,000 $505,000 $85,000 $229,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 39 $6,665,000 $170,000 $355,000 $61,000 $103,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 950 $143,910,000 $151,000 $2,875,000 $84,000 $941,000
Application Denied By Financial Institution 165 $17,185,000 $104,000 $685,000 $73,000 $250,000
Application Withdrawn By Applicant 121 $18,195,000 $150,000 $505,000 $74,000 $294,000
Loan Purchased By The Institution 93 $17,215,000 $185,000 $455,000 $76,000 $162,000
Application Approved But Not Accepted 38 $7,230,000 $190,000 $2,185,000 $96,000 $387,000
File Closed For Incompleteness 32 $5,550,000 $173,000 $625,000 $95,000 $200,000
Preapproval Approved but not Accepted 26 $7,040,000 $270,000 $645,000 $77,000 $255,000
Preapproval Denied by Financial Institution 24 $5,160,000 $215,000 $475,000 $64,000 $174,000

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 1,053 $168,335,000 $159,000 $2,875,000 $83,000 $941,000
Debt-To-Income Ratio 271 $38,905,000 $143,000 $2,725,000 $79,000 $306,000
Credit History 53 $6,115,000 $115,000 $685,000 $72,000 $234,000
Credit Application Incomplete 30 $3,860,000 $128,000 $475,000 $85,000 $250,000
Collateral 29 $2,395,000 $82,000 $335,000 $91,000 $187,000
Insufficient Cash (Downpayment, Closing Cost) 5 $635,000 $127,000 $205,000 $68,000 $117,000
Other 4 $230,000 $57,000 $75,000 $58,000 $108,000
Unverifiable Information 2 $580,000 $290,000 $425,000 $95,000 $105,000
Employment History 2 $430,000 $215,000 $245,000 $65,000 $69,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

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