Clay County, IN Mortgage Lenders & HMDA Data, 2019

In 2019, lenders reported 940 mortgage applications in Clay County, IN totaling $108.4 million, down 4% from 2018. The average application was for $115,000, and applicants reported an average income of $68,000. 60% of applications resulted in an originated loan and 14% were denied. The most active lender was Riddell National Bank, with 130 applications, followed by First Financial Bank NA 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 940
Total Mortgage Loan Application Amount $108,350,000
Average Mortgage Loan Application Amount $115,000
Highest Mortgage Loan Application Amount $3,005,000
Average Applicant Income $68,000
Highest Applicant Income $489,000

Mortgage Company List for Lending in Clay County, IN for 2019

* 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
Riddell National Bank
1 EAST NATIONAL AVE
BRAZIL, IN 47834
* $ 216,405,000 130 $ 13,500,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 2,923,813,000 116 $ 10,640,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 88 $ 10,130,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 144,453,358,000 81 $ 6,275,000
The Hometown Savings Bank
533 OHIO ST (PO BOX 9629)
TERRE HAUTE, IN 47807
* $ 341,111,000 35 $ 4,465,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 27 $ 3,105,000
First Farmers Bank & Trust
123 N. JEFFERSON STREET
CONVERSE, IN 46919
* $ 1,743,398,000 23 $ 2,845,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 22 $ 3,450,000
Wolfe Financial Inc
191 H NC HIGHWAY 42 NORTH
ASHEBORO, NC 27203
* $ -1,000 20 $ 2,150,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 20 $ 2,370,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 19,633,838,000 17 $ 1,945,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,689,351,000,000 17 $ 2,295,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 16 $ 2,320,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,218,960,000,000 16 $ 1,560,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 12 $ 1,180,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 12 $ 1,370,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 11 $ 1,215,000
BMO Harris Bank NA
111 W. MONROE
CHICAGO, IL 60606
* $ 123,147,670,000 10 $ 630,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 108,015,112,000 10 $ 450,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 9 $ 945,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 9 $ 825,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 8 $ 1,180,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 8 $ 1,990,000
Elements Financial Federal Cre
225 S EAST ST, SUITE 300
INDIANAPOLIS, IN 46202
* $ 1,536,062,000 7 $ 405,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,672,320,000 7 $ 585,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 630,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 459,476,604,000 5 $ 235,000
Crane Credit Union
1 WEST GATE DRIVE
ODON, IN 47562
* $ 586,120,000 5 $ 465,000
Barrington Bank & Trust Company, N.A.
201 SOUTH HOUGH STREET
BARRINGTON, IL 60010
* $ 2,135,647,000 5 $ 505,000
First Financial Bank
255 EAST FIFTH STREET SUITE 900
CINCINNATI, OH 45202
* $ 13,914,274,000 5 $ 465,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 370,500,928,000 5 $ 615,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 81,602,818,000 5 $ 775,000
Our Community Bank
279 E MORGAN STREET
SPENCER, IN 47460
* $ 72,394,000 5 $ 525,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 5 $ 515,000
Everwise Credit Union
110 S MAIN ST
SOUTH BEND, IN 46601
* $ 3,171,994,000 4 $ 140,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 4 $ 550,000
Mutualbank
110 E CHARLES ST
MUNCIE, IN 47305
* $ 2,044,013,000 4 $ 250,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 124,716,588,000 4 $ 280,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 96,962,446,000 4 $ 570,000
Hallmark Home Mortgage, LLC
7421 COLDWATER ROAD
FORT WAYNE, IN 46825
* $ -1,000 3 $ 345,000
American Mortgage Service Company
11503 SPRINGFIELD PIKE
CINCINNATI, OH 45246
* $ -1,000 3 $ 275,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 3 $ 285,000
Fairway Independent Mort Corp
4801 S. BILTMORE LANE
MADISON, WI 53718
* $ -1,000 3 $ 435,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 312,093,000 3 $ 485,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 3 $ 285,000
State Farm Bank, F.S.B.
1 STATE FARM PLAZA E-6
BLOOMINGTON, IL 61710
* $ 16,933,790,000 3 $ 195,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 255,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 260,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 2 $ 220,000
Reliance First Capital, LLC
201 OLD COUNTRY ROAD SUITE 205
MELVILLE, NY 11747
* $ -1,000 2 $ 220,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 219,071,000,000 2 $ 4,010,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 1,279,654,000 2 $ 150,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 2 $ 290,000
Crescent Mortgage Company

MORGANTOWN, WV 26505
* $ -1,000 2 $ 350,000
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,645,028,000 2 $ 140,000
Rushmore Loan Management Services LLC
15480 LAGUNA CANYON ROAD, SUITE 100
IRVINE, CA 92618
* $ -1,000 2 $ 270,000
M&T Bank
701 SENECA STREET - SUITE 330N
BUFFALO, NY 14203
* $ 119,636,147,000 2 $ 280,000
Goodleap, LLC
8781 SIERRA COLLEGE BLVD
ROSEVILLE, CA 95661
* $ -1,000 2 $ 300,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 2 $ 120,000
Owen County State Bank
201 W MORGAN ST
SPENCER, IN 47460
* $ 221,865,000 2 $ 140,000
First Option Mortgage, LLC
1100 CIRCLE 75 PARKWAY SOUTH EAST SUITE 300
ATLANTA, GA 30339
* $ -1,000 2 $ 120,000
Flagstar Bank NA

TROY, MI 49098
* $ 18,466,868,000 2 $ 200,000
Shoreham Bank
ONE HOME LOAN PLAZA
WARWICK, RI 02886
* $ 302,006,000 2 $ 50,000
Primelending
18111 PRESTON ROAD SUITE 900
DALLAS, TX 75252
* $ -1,000 2 $ 220,000
Churchill Mortgage Corporation
761 OLD HICKORY BLVD SUITE 400
BRENTWOOD, TN 37027
* $ -1,000 2 $ 280,000
Credit Union 1
200 EAST CHAMPAIGN AVENUE
RANTOUL, IL 61866
* $ 845,294,000 2 $ 590,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 2 $ 90,000
Fay Servicing LLC

TAMPA, FL 33609
* $ -1,000 2 $ 160,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 2 $ 170,000
Ditech Financial LLC
1100 VIRGINIA DRIVE, SUITE 100
FORT WASHINGTON, PA 19034
* $ -1,000 2 $ 320,000
New American Funding, Llc.
14511 MYFORD ROAD, SUITE 100
TUSTIN, CA 92780
* $ -1,000 2 $ 300,000
Farmers-Merchants Bank of Illinois
P.O. BOX 217
JOY, IL 61260
* $ 173,321,000 1 $ 125,000
Embrace Home Loans, Inc.
25 ENTERPRISE CENTER
MIDDLETOWN, RI 02842
* $ -1,000 1 $ 325,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 1 $ 175,000
Roundpoint Mortgage Servicing LLC
446 WRENPLACE ROAD
FORT MILL, SC 29715
* $ -1,000 1 $ 155,000
Guaranty Home Mortgage Corporation
316 ROBERT ROSE DRIVE
NASHVILLE, TN 37129
* $ -1,000 1 $ 305,000
Admirals Bank
15 PARK ROW WEST
PROVIDENCE, RI 02903
* $ 240,252,000 1 $ 25,000
Cherry Creek Mortgage, LLC
7600 E ORCHARD ROAD, SUITE 250 -N
WILMINGTON, DE 80111
* $ -1,000 1 $ 115,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 28,246,367,000 1 $ 115,000
Centier Bank
600 E 84TH AVENUE
MERRILLVILLE, IN 46410
* $ 4,426,972,000 1 $ 3,005,000
Hendricks County Bank and Trust Company
ONE EAST MAIN STREET
BROWNSBURG, IN 46112
* $ 159,379,000 1 $ 285,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 17,230,779,000 1 $ 45,000
American Neighborhood Mortgage Acceptance Company
700 EAST GATE DRIVE, SUITE 400
MT. LAUREL, NJ 08054
* $ -1,000 1 $ 135,000
First Merchants Bank
200 E. JACKSON ST.
MUNCIE, IN 47305
* $ 9,873,896,000 1 $ 195,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 1 $ 135,000
North Salem State Bank
PO BOX 97
NORTH SALEM, IN 46165
* $ 342,234,000 1 $ 35,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 395,677,000 1 $ 135,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 129,426,633,000 1 $ 165,000
Finance of America Reverse LLC
8023 EAST 63RD PLACE, SUITE 700
TULSA, OK 74133
* $ -1,000 1 $ 55,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 1 $ 145,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 1 $ 165,000
The Poples State Bank
601 E TEMPERANCE ST
ELLETTSVILLE, IN 47429
* $ 287,279,000 1 $ 95,000
Land Home Financial Services,
1355 WILLOW WAY, SUITE 250
CONCORD, CA 94520
* $ -1,000 1 $ 105,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 1 $ 195,000
Top Flite Financial, Inc.
123 E GRAND RIVER AVE
WILLIAMSTON, MI 48895
* $ -1,000 1 $ 55,000
Pacific Union Financial, LLC
8900 FREEPORT PKWY, STE 150
IRVING, TX 75063
* $ -1,000 1 $ 65,000
Colonial Savings
P O BOX 2988
FORT WORTH, TX 76102
* $ 1,011,136,000 1 $ 255,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 65,000
First National Bank
302 S MAIN ST
CLOVERDALE, IN 46120
* $ 305,427,000 1 $ 65,000
Home Savings Bank
275 W FEDERAL ST
YOUNGSTOWN, OH 44503
* $ 2,801,504,000 1 $ 245,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 65,000
First Federal Savings Bank
P.O. BOX 527
ROCHESTER, IN 46975
* $ 442,823,000 1 $ 155,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 165,000
First Home Bank
9190 SEMINOLE BLVD
SEMINOLE, FL 33772
* $ 364,059,000 1 $ 125,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 1 $ 125,000
Forum Credit Union
P.O. BOX 50738
INDIANAPOLIS, IN 46250
* $ 1,416,759,000 1 $ 75,000

The tables below break down 2019 mortgage applications in Clay 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 Clay County, IN in 2019

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 458 $61,730,000 $134,000 $3,005,000 $63,000 $489,000
Refinancing 184 $22,560,000 $122,000 $645,000 $77,000 $357,000
Cash-out Refinancing 146 $17,040,000 $116,000 $375,000 $72,000 $212,000
Other Purpose 72 $3,160,000 $43,000 $195,000 $71,000 $205,000
Home Improvement 67 $3,035,000 $45,000 $195,000 $67,000 $152,000
Not Applicable 13 $825,000 $63,000 $145,000 $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 795 $86,135,000 $108,000 $405,000 $69,000 $489,000
Not applicable 87 $16,015,000 $184,000 $3,005,000 $52,000 $105,000
Not Provided 43 $4,965,000 $115,000 $645,000 $56,000 $143,000
Hispanic 7 $475,000 $67,000 $145,000 $96,000 $202,000
Asian 3 $355,000 $118,000 $225,000 $45,000 $50,000
Black or African American 3 $305,000 $101,000 $155,000 $45,000 $52,000
American Indian or Alaskan Native 2 $100,000 $50,000 $65,000 $49,000 $63,000
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) 604 $69,480,000 $115,000 $3,005,000 $75,000 $489,000
FHA-insured (Federal Housing Administration) 143 $15,275,000 $106,000 $325,000 $48,000 $126,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 111 $11,335,000 $102,000 $235,000 $42,000 $81,000
VA-guaranteed (Veterans Administration) 82 $12,260,000 $149,000 $375,000 $68,000 $172,000

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 563 $63,865,000 $113,000 $645,000 $71,000 $489,000
Application Denied By Financial Institution 134 $13,420,000 $100,000 $3,005,000 $55,000 $198,000
Loan Purchased By The Institution 95 $10,445,000 $109,000 $385,000 $68,000 $247,000
Application Withdrawn By Applicant 82 $13,500,000 $164,000 $3,005,000 $66,000 $202,000
Application Approved But Not Accepted 40 $4,350,000 $108,000 $285,000 $67,000 $197,000
File Closed For Incompleteness 26 $2,770,000 $106,000 $375,000 $69,000 $170,000
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 757 $89,075,000 $117,000 $3,005,000 $70,000 $489,000
Debt-To-Income Ratio 74 $8,270,000 $111,000 $305,000 $65,000 $203,000
Credit History 43 $2,995,000 $69,000 $255,000 $61,000 $198,000
Collateral 31 $5,415,000 $174,000 $3,005,000 $64,000 $165,000
Other 14 $1,040,000 $74,000 $135,000 $61,000 $121,000
Credit Application Incomplete 9 $815,000 $90,000 $145,000 $39,000 $99,000
Unverifiable Information 7 $375,000 $53,000 $155,000 $46,000 $84,000
Employment History 2 $110,000 $55,000 $85,000 $34,000 $51,000
Insufficient Cash (Downpayment, Closing Cost) 2 $220,000 $110,000 $115,000 $57,000 $75,000
Mortgage Insurance Denied 1 $35,000 $35,000 $35,000 $27,000 $27,000

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