Adams County, IN Mortgage Lenders & HMDA Data, 2023

In 2023, lenders reported 1,023 mortgage applications in Adams County, IN totaling $137.0 million, down 25% from 2022. The average application was for $133,000, and applicants reported an average income of $72,000. 63% of applications resulted in an originated loan and 14% were denied. The most active lender was The Farmers & Merchants State Bank, with 211 applications, followed by Three Rivers Federal Crediit U and First Bank of Berne.

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Whether you're an industry professional, homebuyer, or researcher, this data helps you stay informed about local mortgage trends and lending activity.

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 1,023
Total Mortgage Loan Application Amount $136,955,000
Average Mortgage Loan Application Amount $133,000
Highest Mortgage Loan Application Amount $2,205,000
Average Applicant Income $72,000
Highest Applicant Income $688,000

Mortgage Company List for Lending in Adams County, IN for 2023

* 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
* $ 3,002,849,000 211 $ 29,535,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ 2,236,753,000 72 $ 8,690,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ 1,045,354,000 65 $ 12,415,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 17,923,519,000 64 $ 7,290,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 58 $ 9,090,000
Profed Federal Credit Union
1710 ST. JOE RIVER DR.
FORT WAYNE, IN 46805
* $ 670,799,000 54 $ 4,520,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ 797,879,000 44 $ 3,590,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 206,289,179,000 38 $ 3,480,000
Thrive Mortgage, LLC
4819 WILLIAMS DRIVE
CARROLLTON, TX 78633
* $ -1,000 25 $ 4,295,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 24 $ 3,600,000
Flagstar Bank NA

TROY, MI 49098
* $ 90,036,656,000 20 $ 1,430,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 585,135,605,000 20 $ 2,230,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 129,461,046,000 17 $ 945,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 4,872,637,000 17 $ 2,645,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 15 $ 2,245,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 13 $ 2,105,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 11 $ 1,735,000
Academy Mortgage Corporation
339 WEST 13490 SOUTH
SALT LAKE CITY, UT 84020
* $ -1,000 9 $ 785,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 9 $ 1,805,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 9 $ 1,505,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 182,325,674,000 8 $ 1,320,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 552,307,127,000 8 $ 740,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 8 $ 1,220,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ -1,000 7 $ 1,045,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 7 $ 1,335,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,717,531,000,000 6 $ 450,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 3,201,942,000,000 6 $ 990,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 6 $ 1,040,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 5 $ 1,275,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 5 $ 195,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 5 $ 655,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 5 $ 415,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 5 $ 905,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 4 $ 540,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 4 $ 960,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 4 $ 380,000
Fort Financial Credit Union
3102 SPRING ST
FORT WAYNE, IN 46818
* $ 338,010,000 4 $ 460,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 4 $ 610,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 395,000
Lake City Bank
P.O. BOX 1387
WARSAW, IN 46581
* $ 6,412,535,000 3 $ 115,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ -1,000 3 $ 435,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 3 $ 405,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 3 $ 435,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 3 $ 395,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 780,976,000 3 $ 915,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ 607,818,000 3 $ 315,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 46,490,438,000 2 $ 290,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 156,645,099,000 2 $ 70,000
First Federal Savings Bank
648 NORTH JEFFERSON STREET
HUNTINGTON, IN 46750
* $ 445,408,000 2 $ 160,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 226,401,591,000 2 $ 160,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ 3,307,068,000 2 $ 240,000
Everett Financial, Inc.
14801 QUORUM DRIVE, SUITE 300
DALLAS, TX 75254
* $ -1,000 2 $ 270,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ -1,000 2 $ 240,000
Kiavi Funding, Inc.
315 MONTGOMERY STREET 16TH FLOOR
SAN FRANCISCO, CA 94104
* $ -1,000 2 $ 480,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ -1,000 2 $ 200,000
Crossroads Bank
1205 N CASS ST PO BOX 259
WABASH, IN 46992
* $ 538,484,000 2 $ 230,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ -1,000 2 $ 250,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 2 $ 260,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ -1,000 2 $ 230,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 2 $ 370,000
Union Savings and Loan Association
730 CENTRAL AVE P O BOX 366
CONNERSVILLE, IN 47331
* $ 227,923,000 2 $ 1,320,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 2 $ 300,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ -1,000 2 $ 310,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 2 $ 480,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 1 $ 125,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 546,228,000,000 1 $ 185,000
Consumer Real Estate Finance Co dba Society Mortgage
330 SW 2ND ST #111
FORT LAUDERDALE, FL 33312
* $ -1,000 1 $ 175,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ -1,000 1 $ 325,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 1 $ 5,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 3,765,608,000 1 $ 135,000
Clearpath Lending
15615 ALTON PARKWAY SUITE 300
IRVINE, CA 92618
* $ -1,000 1 $ 225,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 1 $ 365,000
Msu Federal Credit Union
3777 WEST ROAD
EAST LANSING, MI 48823
* $ 7,276,719,000 1 $ 15,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 65,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ -1,000 1 $ 205,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ 8,334,906,000 1 $ 115,000
Northwest Bank
100 LIBERTY STREET
WARREN, PA 16365
* $ 14,213,677,000 1 $ 215,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ -1,000 1 $ 155,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ 7,794,340,000 1 $ 55,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ 1,998,152,000 1 $ 75,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 2,418,508,000,000 1 $ 25,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ 9,815,951,000 1 $ 175,000
Success Lending, LLC

SCHAUMBURG, IL 60173
* $ -1,000 1 $ 215,000
The Fountain Trust Company
615 THIRD ST.
COVINGTON, IN 47932
* $ 721,066,000 1 $ 45,000
Data Mortgage, Inc

OCALA, FL 34475
* $ -1,000 1 $ 145,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 105,000
Superior Financial Solutions
4230 ELIDA RD
LIMA, OH 45807
* $ -1,000 1 $ 105,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 245,000
Lend Smart Mortgage, LLC
3450 LEXINGTON AVE N
OAKDALE, MN 55126
* $ -1,000 1 $ 55,000
First United Bank and Trust Co
PO BOX 130
DURANT, OK 74702
* $ 14,547,035,000 1 $ 125,000
Centra Credit Union
3801 TUPELO DRIVE
COLUMBUS, IN 47201
* $ 2,045,720,000 1 $ 185,000
Sofi Bank, National Association

FRISCO, TX 75034
* $ 9,123,708,000 1 $ 185,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ 1,501,056,000 1 $ 65,000
Kind Lending, LLC
1920 MAIN STREET SUITE 1100 & 1200
IRVINE, CA 92614
* $ -1,000 1 $ 215,000
Eustis Mortgage Corp
1100 POYDRAS STREET SUITE 2525
NEW ORLEANS, LA 70115
* $ -1,000 1 $ 125,000
Citizens State Bank of New Castle
1238 BROAD ST, P.O. BOX C
NEW CASTLE, IN 47362
* $ 790,697,000 1 $ 55,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 441,843,000 1 $ 135,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ -1,000 1 $ 195,000
Ag Credit, Aca
610 W. LYTLE ST.
FOSTORIA, OH 44830
* $ -1,000 1 $ 65,000
Go Mortgage, LLC

COLUMBUS, OH 43219
* $ -1,000 1 $ 125,000
Empeople Credit Union
3950 38TH AVENUE
MOLINE, IL 61265
* $ 1,991,835,000 1 $ 205,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 1 $ 85,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 55,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 1 $ 225,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ 9,280,218,000 1 $ 35,000

The tables below break down 2023 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 2023

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 452 $80,420,000 $177,000 $2,205,000 $74,000 $420,000
Cash-out Refinancing 217 $30,205,000 $139,000 $505,000 $66,000 $353,000
Other Purpose 164 $8,890,000 $54,000 $615,000 $69,000 $294,000
Refinancing 100 $12,260,000 $122,000 $925,000 $74,000 $688,000
Home Improvement 89 $5,135,000 $57,000 $285,000 $79,000 $242,000
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 864 $111,420,000 $128,000 $1,045,000 $72,000 $688,000
Not Provided 64 $9,580,000 $149,000 $845,000 $75,000 $294,000
Not applicable 57 $11,545,000 $202,000 $2,205,000 $0 $0
Hispanic 32 $3,850,000 $120,000 $385,000 $60,000 $100,000
Asian 3 $205,000 $68,000 $115,000 $41,000 $51,000
American Indian or Alaskan Native 2 $230,000 $115,000 $185,000 $55,000 $89,000
Black or African American 1 $125,000 $125,000 $125,000 $33,000 $33,000
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) 803 $100,655,000 $125,000 $2,205,000 $73,000 $688,000
FHA-insured (Federal Housing Administration) 148 $22,730,000 $153,000 $365,000 $63,000 $235,000
VA-guaranteed (Veterans Administration) 44 $9,310,000 $211,000 $415,000 $78,000 $229,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 28 $4,260,000 $152,000 $265,000 $65,000 $89,000

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 647 $86,995,000 $134,000 $2,205,000 $75,000 $688,000
Application Denied By Financial Institution 143 $14,635,000 $102,000 $1,045,000 $61,000 $297,000
Application Withdrawn By Applicant 93 $13,035,000 $140,000 $505,000 $74,000 $235,000
Loan Purchased By The Institution 63 $10,135,000 $160,000 $365,000 $53,000 $80,000
File Closed For Incompleteness 30 $3,760,000 $125,000 $275,000 $80,000 $175,000
Application Approved But Not Accepted 24 $3,350,000 $139,000 $385,000 $68,000 $120,000
Preapproval Denied by Financial Institution 13 $2,325,000 $178,000 $345,000 $49,000 $96,000
Preapproval Approved but not Accepted 10 $2,720,000 $272,000 $485,000 $85,000 $156,000

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 805 $108,055,000 $134,000 $925,000 $75,000 $688,000
Debt-To-Income Ratio 102 $16,520,000 $161,000 $2,205,000 $59,000 $180,000
Credit History 59 $4,925,000 $83,000 $295,000 $67,000 $176,000
Collateral 25 $3,255,000 $130,000 $1,045,000 $64,000 $297,000
Credit Application Incomplete 15 $2,225,000 $148,000 $475,000 $63,000 $135,000
Other 12 $960,000 $80,000 $275,000 $47,000 $107,000
Unverifiable Information 3 $785,000 $261,000 $265,000 $124,000 $175,000
Insufficient Cash (Downpayment, Closing Cost) 2 $230,000 $115,000 $135,000 $43,000 $50,000
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0
Employment History 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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