Blackford County, IN Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 342 mortgage applications in Blackford County, IN totaling $39.4 million, down 18% from 2022. The average application was for $115,000, and applicants reported an average income of $74,000. 48% of applications resulted in an originated loan and 20% were denied. The most active lender was Citizens State Bank of New Castle, with 31 applications, followed by Ruoff Mortgage Company 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 | 342 |
| Total Mortgage Loan Application Amount | $39,380,000 |
| Average Mortgage Loan Application Amount | $115,000 |
| Highest Mortgage Loan Application Amount | $1,505,000 |
| Average Applicant Income | $74,000 |
| Highest Applicant Income | $1,188,000 |
* 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 |
|---|---|---|---|---|
| Citizens State Bank of New Castle 1238 BROAD ST, P.O. BOX C NEW CASTLE, IN 47362 |
* | $ 790,697,000 | 31 | $ 2,425,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 20 | $ 2,560,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 17,923,519,000 | 19 | $ 2,175,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 17 | $ 2,035,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 13 | $ 1,145,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 13 | $ 2,015,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 11 | $ 1,575,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 16,915,645,000 | 8 | $ 360,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 226,401,591,000 | 8 | $ 660,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 8 | $ 1,200,000 |
| First Bank of Berne 222 HERTIGIAGE TR BERNE, IN 46711 |
* | $ 1,045,354,000 | 7 | $ 2,335,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 7 | $ 995,000 |
| Thrive Mortgage, LLC 4819 WILLIAMS DRIVE CARROLLTON, TX 78633 |
* | $ -1,000 | 6 | $ 580,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ -1,000 | 6 | $ 930,000 |
| Three Rivers Federal Crediit U 1615 NORTHLAND BLVD FORT WAYNE, IN 46825 |
* | $ 2,236,753,000 | 6 | $ 690,000 |
| Star Financial Bank 127 WEST BERRY ST FORT WAYNE, IN 46802 |
* | $ 2,993,588,000 | 6 | $ 410,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 6 | $ 770,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 6 | $ 540,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 5 | $ 915,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 5 | $ 725,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 5 | $ 365,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 129,461,046,000 | 5 | $ 245,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 4 | $ 520,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 4 | $ 840,000 |
| Midfirst Bank 501 NW GRAND BLVD OKLAHOMA CITY, OK 73118 |
* | $ 34,681,050,000 | 4 | $ 120,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 4 | $ 460,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 515,000 |
| First Farmers Bank & Trust 123 N. JEFFERSON STREET CONVERSE, IN 46919 |
* | $ 2,738,488,000 | 3 | $ 515,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 3 | $ 425,000 |
| Indiana Members Credit Union 4790 E. 96TH STREET, SUITE 120 INDIANAPOLIS, IN 46240 |
* | $ 2,918,005,000 | 3 | $ 315,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 315,000 |
| Northwest Bank 100 LIBERTY STREET WARREN, PA 16365 |
* | $ 14,213,677,000 | 3 | $ 125,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 3 | $ 445,000 |
| Profed Federal Credit Union 1710 ST. JOE RIVER DR. FORT WAYNE, IN 46805 |
* | $ 670,799,000 | 3 | $ 355,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 46,490,438,000 | 3 | $ 95,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 2 | $ 360,000 |
| Beacon Credit Union 586 S WABASH ST WABASH, IN 46992 |
* | $ 1,501,056,000 | 2 | $ 100,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 210,000 |
| Independent Federal Credit Uni 3737 S SCATTERFIELD RD ANDERSON, IN 46013 |
* | $ 94,892,000 | 2 | $ 180,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 2 | $ 160,000 |
| Wsfs Bank 500 DELAWARE AVENUE WILMINGTON, DE 19801 |
* | $ 19,808,858,000 | 2 | $ 90,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 154,203,000,000 | 2 | $ 180,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 320,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 2 | $ 300,000 |
| American Financing Corporation 3045 S PARKER RD BUILDING B AURORA, CO 80014 |
* | $ -1,000 | 2 | $ 110,000 |
| 1st Source Bank P O BOX 1602 SUITE 400 SOUTH BEND, IN 46601 |
* | $ 8,334,906,000 | 2 | $ 90,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 2 | $ 180,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 552,307,127,000 | 2 | $ 150,000 |
| Financial Center First Credit Union 7101 E 56TH STREET INDIANAPOLIS, IN 46226 |
* | $ 839,916,000 | 1 | $ 25,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,766,752,000,000 | 1 | $ 55,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 85,000 |
| Keybank National Association 127 PUBLIC SQUARE CLEVELAND, OH 44114 |
* | $ 187,590,465,000 | 1 | $ 15,000 |
| Atlantic Union Bank 1051 EAST CARY STREET, SUITE 1200 GLEN ALLEN, VA 23060 |
* | $ 20,342,081,000 | 1 | $ 205,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 235,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 35,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 3,765,608,000 | 1 | $ 95,000 |
| Finance of America Reverse LLC 8023 EAST 63RD PLACE, SUITE 700 TULSA, OK 74133 |
* | $ -1,000 | 1 | $ 85,000 |
| Diamond Residential Mtg Corp 582 OAKWOOD AVE LAKE FOREST, IL 60045 |
* | $ -1,000 | 1 | $ 85,000 |
| Neighborhood Loans, Inc 1333 BUTTERFIELD RD SUITE 600 DOWNERS GROVE, IL 60515 |
* | $ -1,000 | 1 | $ 235,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 206,289,179,000 | 1 | $ 195,000 |
| Milestone Home Lending, LLC 1100 VIRGINIA DRIVE, SUITE 125 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 1 | $ 165,000 |
| Wright Patt Credit Union Inc 3560 PENTAGON BLVD. BEAVERCREEK, OH 45431 |
* | $ 7,794,453,000 | 1 | $ 15,000 |
| First Option Mortgage, LLC 1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300 ATLANTA, GA 30339 |
* | $ -1,000 | 1 | $ 75,000 |
| Tower Federal Credit Union 7901 SANDY SPRING ROAD LAUREL, MD 20707 |
* | $ 4,087,397,000 | 1 | $ 75,000 |
| Newrez Ventures LLC 4000 W. BROWN DEER ROAD SPRINGFIELD, IL 53209 |
* | $ -1,000 | 1 | $ 165,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 780,976,000 | 1 | $ 235,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 105,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 75,000 |
| American Pacific Mortgage Corporation 3000 LAVA RIDGE COURT, SUITE 200 ROSEVILLE, CA 95661 |
* | $ -1,000 | 1 | $ 185,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ -1,000 | 1 | $ 165,000 |
| Tucker Mortgage, LLC 9201 N MERIDIAN ST, STE 200 INDIANAPOLIS, IN 46260 |
* | $ -1,000 | 1 | $ 115,000 |
| Mjw Financial LLC dba Mjw Mortgage 8465 KEYSTONE CROSSING #145 INDIANAPOLIS, IN 46240 |
* | $ -1,000 | 1 | $ 145,000 |
| Member First Mortgage, LLC 616 44TH STREET SE GRAND RAPIDS, MI 49548 |
* | $ -1,000 | 1 | $ 105,000 |
| Everwise Credit Union 110 S MAIN ST SOUTH BEND, IN 46601 |
* | $ 4,872,637,000 | 1 | $ 105,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 7,794,340,000 | 1 | $ 25,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,717,531,000,000 | 1 | $ 45,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 35,000 |
| First Federal Savings and Loan 212 N FRANKLIN GREENSBURG, IN 47240 |
* | $ 189,900,000 | 1 | $ 115,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 1 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 65,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ -1,000 | 1 | $ 235,000 |
The tables below break down 2023 mortgage applications in Blackford 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 Blackford 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 | 176 | $25,260,000 | $143,000 | $1,505,000 | $79,000 | $1,188,000 |
| Cash-out Refinancing | 66 | $7,200,000 | $109,000 | $335,000 | $69,000 | $245,000 |
| Home Improvement | 36 | $1,760,000 | $48,000 | $115,000 | $73,000 | $179,000 |
| Refinancing | 31 | $2,795,000 | $90,000 | $355,000 | $63,000 | $213,000 |
| Other Purpose | 29 | $2,195,000 | $75,000 | $335,000 | $68,000 | $244,000 |
| Not Applicable | 4 | $170,000 | $42,000 | $65,000 | $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 | 281 | $31,645,000 | $112,000 | $1,505,000 | $72,000 | $1,188,000 |
| Not Provided | 28 | $3,330,000 | $118,000 | $335,000 | $85,000 | $245,000 |
| Not applicable | 25 | $3,045,000 | $121,000 | $235,000 | $0 | $0 |
| Hispanic | 4 | $840,000 | $210,000 | $355,000 | $80,000 | $95,000 |
| American Indian or Alaskan Native | 3 | $435,000 | $145,000 | $235,000 | $76,000 | $113,000 |
| Black or African American | 1 | $85,000 | $85,000 | $85,000 | $63,000 | $63,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| 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) | 194 | $19,710,000 | $101,000 | $1,505,000 | $81,000 | $1,188,000 |
| FHA-insured (Federal Housing Administration) | 88 | $10,710,000 | $121,000 | $335,000 | $64,000 | $245,000 |
| VA-guaranteed (Veterans Administration) | 33 | $6,015,000 | $182,000 | $415,000 | $73,000 | $187,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 27 | $2,945,000 | $109,000 | $185,000 | $45,000 | $67,000 |
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 | 163 | $20,195,000 | $123,000 | $1,505,000 | $74,000 | $890,000 |
| Application Denied By Financial Institution | 69 | $5,265,000 | $76,000 | $225,000 | $73,000 | $1,188,000 |
| Application Withdrawn By Applicant | 44 | $5,680,000 | $129,000 | $415,000 | $77,000 | $245,000 |
| Loan Purchased By The Institution | 35 | $4,515,000 | $129,000 | $355,000 | $52,000 | $95,000 |
| Application Approved But Not Accepted | 16 | $2,010,000 | $125,000 | $275,000 | $82,000 | $179,000 |
| File Closed For Incompleteness | 15 | $1,715,000 | $114,000 | $255,000 | $73,000 | $162,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
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 | 267 | $31,845,000 | $119,000 | $415,000 | $70,000 | $245,000 |
| Credit History | 32 | $2,180,000 | $68,000 | $225,000 | $59,000 | $187,000 |
| Debt-To-Income Ratio | 17 | $3,015,000 | $177,000 | $1,505,000 | $180,000 | $1,188,000 |
| Collateral | 11 | $925,000 | $84,000 | $175,000 | $59,000 | $117,000 |
| Credit Application Incomplete | 4 | $350,000 | $87,000 | $185,000 | $72,000 | $105,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $440,000 | $110,000 | $175,000 | $28,000 | $38,000 |
| Employment History | 3 | $325,000 | $108,000 | $145,000 | $44,000 | $51,000 |
| Other | 2 | $40,000 | $20,000 | $25,000 | $56,000 | $62,000 |
| Unverifiable Information | 2 | $260,000 | $130,000 | $135,000 | $48,000 | $54,000 |
| 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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