Adams County, IN Mortgage Lenders & HMDA Data, 2024

In 2024, lenders reported 1,210 mortgage applications in Adams County, IN totaling $168.5 million, up 18% from 2023. The average application was for $139,000, and applicants reported an average income of $82,000. 64% of applications resulted in an originated loan and 14% were denied. The most active lender was The Farmers & Merchants State Bank, with 223 applications, followed by First Bank of Berne and Ruoff Mortgage Company.

Looking for lender-specific data?
Download a formatted spreadsheet with aggregated HMDA statistics for all lenders based in Indiana.
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 1,210
Total Mortgage Loan Application Amount $168,460,000
Average Mortgage Loan Application Amount $139,000
Highest Mortgage Loan Application Amount $4,155,000
Average Applicant Income $82,000
Highest Applicant Income $3,080,000

Mortgage Company List for Lending in Adams County, IN for 2024

* 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 223 $ 26,415,000
First Bank of Berne
222 HERTIGIAGE TR
BERNE, IN 46711
* $ n/a 193 $ 22,815,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ n/a 76 $ 14,400,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ n/a 74 $ 6,790,000
Three Rivers Federal Crediit U
1615 NORTHLAND BLVD
FORT WAYNE, IN 46825
* $ n/a 73 $ 9,095,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ n/a 65 $ 7,245,000
Profed Federal Credit Union
1710 ST. JOE RIVER DR.
FORT WAYNE, IN 46805
* $ n/a 42 $ 4,870,000
Midwest America Federal Credit Union
1104 MEDICAL PARK DR
FORT WAYNE, IN 46825
* $ n/a 39 $ 3,815,000
Stockton Mortgage Corporation
88 C MICHAEL DAVENPORT BLVD.
FRANKFORT, KY 40601
* $ n/a 30 $ 4,840,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ n/a 24 $ 3,580,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ n/a 22 $ 3,540,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ n/a 20 $ 2,830,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ n/a 17 $ 3,645,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ n/a 17 $ 935,000
Diamond Residential Mtg Corp
582 OAKWOOD AVE
LAKE FOREST, IL 60045
* $ n/a 14 $ 2,240,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ n/a 13 $ 2,625,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ n/a 12 $ 2,010,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ n/a 12 $ 1,420,000
Flagstar Bank NA

TROY, MI 49098
* $ n/a 12 $ 1,000,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ n/a 11 $ 2,475,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ n/a 10 $ 870,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ n/a 8 $ 910,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ n/a 7 $ 1,335,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ n/a 7 $ 695,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ n/a 6 $ 1,230,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ n/a 6 $ 490,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ n/a 6 $ 1,180,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ n/a 6 $ 1,670,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ n/a 5 $ 175,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ n/a 5 $ 925,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ n/a 5 $ 485,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ n/a 5 $ 535,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ n/a 4 $ 1,280,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ n/a 4 $ 360,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ n/a 3 $ 365,000
Geneva Financial LLC
180 S ARIZONA AVE STE 310
CHANDLER, AZ 85225
* $ n/a 3 $ 615,000
Union Savings Bank
8534 E KEMPER RD
CINCINNATI, OH 45249
* $ n/a 3 $ 1,275,000
1st Source Bank
P O BOX 1602 SUITE 400
SOUTH BEND, IN 46601
* $ n/a 3 $ 365,000
Premier Bank
601 CLINTON STREET
YOUNGSTOWN, OH 44503
* $ n/a 3 $ 555,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ n/a 3 $ 415,000
American Financing Corporation
3045 S PARKER RD BUILDING B
AURORA, CO 80014
* $ n/a 3 $ 615,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ n/a 3 $ 645,000
First Community Mortgage, Inc.
275 ROBERT ROSE DRIVE
MURFREESBORO, TN 37129
* $ n/a 2 $ 310,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ n/a 2 $ 440,000
Michigan Mutual, Inc
911 MILITARY STREET
PORT HURON, MI 48060
* $ n/a 2 $ 360,000
Fire Police City County Federa
3306 N. CLINTON STREET
FORT WAYNE, IN 46805
* $ n/a 2 $ 90,000
Vandyk Mortgage Corporation
2449 CAMELOT CT SE
GRAND RAPIDS, MI 49546
* $ n/a 2 $ 560,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ n/a 2 $ 260,000
Prosperity Home Mortgage, LLC
14501 GEORGE CARTER WAY SUITE 300
CHANTILLY, VA 20151
* $ n/a 2 $ 380,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ n/a 2 $ 370,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ n/a 2 $ 650,000
Spring Eq, LLC
1 WEST ELM STREET SUITE 450
CONSHOHOCKEN, PA 19428
* $ n/a 2 $ 90,000
First Federal Savings Bank
648 NORTH JEFFERSON STREET
HUNTINGTON, IN 46750
* $ n/a 2 $ 250,000
Merchants Bank of Indiana
11555 N. MERIDIAN STREET
CARMEL, IN 46032
* $ n/a 2 $ 250,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ n/a 2 $ 180,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ n/a 2 $ 480,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ n/a 2 $ 120,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ n/a 2 $ 200,000
Partners 1st Federal Credit Union
1330 DIRECTORS ROW
FORT WAYNE, IN 46808
* $ n/a 2 $ 1,540,000
Notre Dame Federal Credit Union
P.O. BOX 7878
NOTRE DAME, IN 46556
* $ n/a 2 $ 420,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ n/a 2 $ 450,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ n/a 1 $ 95,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ n/a 1 $ 275,000
Town Bank, N.A.

ROSEMONT, IL 60018
* $ n/a 1 $ 485,000
Equity Resources Inc
PO BOX 5177
NEWARK, OH 43055
* $ n/a 1 $ 125,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ n/a 1 $ 135,000
Zillow Home Loans, LLC
2600 MICHELSON DRIVE
IRVINE, CA 92612
* $ n/a 1 $ 85,000
Towne Mortgage Company
888 WEST BIG BEAVER ROAD SUITE 310
TROY, MI 48084
* $ n/a 1 $ 125,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ n/a 1 $ 175,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ n/a 1 $ 125,000
Primary Residential Mortgage, Inc.
1480 N 2200 W
SALT LAKE CITY, UT 84116
* $ n/a 1 $ 75,000
Superior Credit Union, Inc.
4230 ELIDA RD
LIMA, OH 45807
* $ n/a 1 $ 25,000
Farmers Bank & Trust
1017 HARRISON
GREAT BEND, KS 67530
* $ n/a 1 $ 75,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ n/a 1 $ 55,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ n/a 1 $ 25,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ n/a 1 $ 195,000
The Park National Bank
50 N THIRD STREET
NEWARK, OH 43055
* $ n/a 1 $ 125,000
V.I.P. Mortgage, Inc.
9221 E VIA DE VENTURA
SCOTTSDALE, AZ 85258
* $ n/a 1 $ 195,000
Filo Mortgage, LLC
555 E NORTH LN #6125
WEST CONSHOHOCKEN, PA 19428
* $ n/a 1 $ 105,000
Arvest Bank

TULSA, OK 74103
* $ n/a 1 $ 205,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ n/a 1 $ 95,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ n/a 1 $ 65,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ n/a 1 $ 355,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ n/a 1 $ 25,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ n/a 1 $ 315,000
Data Mortgage, Inc

OCALA, FL 34475
* $ n/a 1 $ 135,000
Lake City Bank
P.O. BOX 1387
WARSAW, IN 46581
* $ n/a 1 $ 145,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ n/a 1 $ 105,000
Horizon Bank
515 FRANKLIN ST
MICHIGAN CITY, IN 46360
* $ n/a 1 $ 205,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ n/a 1 $ 255,000
Star Financial Bank
127 WEST BERRY ST
FORT WAYNE, IN 46802
* $ n/a 1 $ 255,000
Fort Financial Credit Union
3102 SPRING ST
FORT WAYNE, IN 46818
* $ n/a 1 $ 135,000
Lendage, LLC dba Achieve Loans
1875 S GRANT ST
SAN MATEO, CA 94402
* $ n/a 1 $ 25,000
Garrett State Bank
120 WEST KING STREET, P.O. BOX 29
GARRETT, IN 46738
* $ n/a 1 $ 315,000
Citibank, NA

NEW YORK, NY 10012
* $ n/a 1 $ 155,000
Sunflower Bank, N.A.
3025 CORTLAND CIRCLE - PO BOX 800
DALLAS, TX 75225
* $ n/a 1 $ 315,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ n/a 1 $ 55,000
Wsfs Bank
500 DELAWARE AVENUE
WILMINGTON, DE 19801
* $ n/a 1 $ 35,000
Teachers Federal Credit Union
102 MOTOR PARKWAY
HAUPPAUGE, NY 11788
* $ n/a 1 $ 35,000
Securitynational Mortgage Company
5300 SOUTH 360 WEST
SALT LAKE CITY, UT 84123
* $ n/a 1 $ 155,000
Calcon Mutual Mortgage LLC
3131 CAMINO DEL RIO N SUITE 1680
SAN DIEGO, CA 92108
* $ n/a 1 $ 205,000
Indiana Members Credit Union
4790 E. 96TH STREET, SUITE 120
INDIANAPOLIS, IN 46240
* $ n/a 1 $ 75,000
Beacon Credit Union
586 S WABASH ST
WABASH, IN 46992
* $ n/a 1 $ 335,000
The Campbell & Fetter Bank
PO BOX 231
KENDALLVILLE, IN 46755
* $ n/a 1 $ 515,000
Guaranteed Rate Affinity, LLC
1800 WEST LARCHMONT AVE
CHICAGO, IL 60613
* $ n/a 1 $ 175,000
Thrivent Federal Credit Union

SHAKOPEE, MN 55379
* $ n/a 1 $ 25,000
Newpoint Real Estate Capital
5800 TENNYSON PARKWAY, SUITE 200
PLANO, TX 75024
* $ n/a 1 $ 4,155,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ n/a 1 $ 105,000
Mortgage Solutions of Colorado
7450 CAMPUS DRIVE SUITE 200
COLORADO SPRINGS, CO 80920
* $ n/a 1 $ 285,000
Polaris Home Funding Corp.
151 44TH ST. SW
GRANDVILLE, MI 49418
* $ n/a 1 $ 185,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ n/a 1 $ 2,105,000

The tables below break down 2024 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 2024

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 537 $98,585,000 $183,000 $1,005,000 $78,000 $412,000
Other Purpose 219 $13,325,000 $60,000 $365,000 $86,000 $3,080,000
Cash-out Refinancing 186 $25,180,000 $135,000 $575,000 $69,000 $262,000
Refinancing 136 $22,480,000 $165,000 $4,155,000 $90,000 $1,179,000
Home Improvement 131 $8,845,000 $67,000 $1,005,000 $103,000 $1,750,000
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 1,018 $132,660,000 $130,000 $1,005,000 $83,000 $3,080,000
Not applicable 78 $20,200,000 $258,000 $4,155,000 $116,000 $116,000
Not Provided 51 $7,525,000 $147,000 $1,005,000 $75,000 $312,000
Hispanic 51 $6,625,000 $129,000 $325,000 $70,000 $185,000
Asian 5 $625,000 $125,000 $335,000 $95,000 $285,000
American Indian or Alaskan Native 4 $570,000 $142,000 $265,000 $53,000 $86,000
Black or African American 3 $255,000 $85,000 $135,000 $60,000 $80,000
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) 993 $129,825,000 $130,000 $4,155,000 $84,000 $3,080,000
FHA-insured (Federal Housing Administration) 138 $22,370,000 $162,000 $505,000 $69,000 $298,000
VA-guaranteed (Veterans Administration) 48 $11,140,000 $232,000 $505,000 $88,000 $298,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 31 $5,125,000 $165,000 $335,000 $61,000 $109,000

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 775 $104,675,000 $135,000 $2,105,000 $80,000 $1,179,000
Application Denied By Financial Institution 169 $17,435,000 $103,000 $1,005,000 $97,000 $3,080,000
Application Withdrawn By Applicant 91 $13,715,000 $150,000 $1,005,000 $82,000 $412,000
Loan Purchased By The Institution 81 $14,175,000 $175,000 $415,000 $57,000 $116,000
Preapproval Approved but not Accepted 27 $5,935,000 $219,000 $405,000 $75,000 $347,000
File Closed For Incompleteness 26 $3,000,000 $115,000 $315,000 $95,000 $240,000
Application Approved But Not Accepted 25 $7,805,000 $312,000 $4,155,000 $71,000 $205,000
Preapproval Denied by Financial Institution 16 $1,720,000 $107,000 $305,000 $41,000 $81,000

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 850 $127,650,000 $150,000 $4,155,000 $79,000 $1,179,000
Debt-To-Income Ratio 229 $26,835,000 $117,000 $1,005,000 $76,000 $912,000
Credit History 73 $6,485,000 $88,000 $305,000 $112,000 $3,080,000
Collateral 29 $4,655,000 $160,000 $1,005,000 $155,000 $1,750,000
Credit Application Incomplete 16 $1,340,000 $83,000 $185,000 $64,000 $204,000
Other 8 $650,000 $81,000 $175,000 $48,000 $65,000
Unverifiable Information 2 $170,000 $85,000 $155,000 $65,000 $75,000
Employment History 1 $505,000 $505,000 $505,000 $244,000 $244,000
Insufficient Cash (Downpayment, Closing Cost) 1 $85,000 $85,000 $85,000 $45,000 $45,000
Mortgage Insurance Denied 1 $85,000 $85,000 $85,000 $173,000 $173,000

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.

Download the Indiana Lender List