Fort Wayne, IN Metro Area Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 16,183 mortgage applications in Fort Wayne, IN metro area totaling $3.2 billion, down 26% from 2022. The average application was for $198,364, and applicants reported an average income of $97,997. 59% of applications resulted in an originated loan and 15% were denied. The most active lender was Three Rivers Federal Crediit U, with 1,963 applications, followed by Ruoff Mortgage Company and Profed Federal Credit Union.
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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 | 16,183 |
| Total Mortgage Loan Application Amount | $3,210,125,000 |
| Average Mortgage Loan Application Amount | $198,364 |
| Highest Mortgage Loan Application Amount | $81,705,000 |
| Average Applicant Income | $97,997 |
| Highest Applicant Income | $5,555,000 |
Top Mortgage Lenders in Fort Wayne, IN Metro Area (2023)
Ranked by the number of mortgage applications each lender reported in Fort Wayne, IN metro area in 2023.
| # | Mortgage Lender | Mortgage Applications | Total Dollar Amount | Average Loan Amount | Average Applicant Income |
|---|---|---|---|---|---|
| 1 | Three Rivers Federal Crediit U Fort Wayne, IN |
1,963 | $287,735,000 | $146,000 | $116,000 |
| 2 | Ruoff Mortgage Company Fort Wayne, IN |
1,110 | $228,780,000 | $206,000 | $89,000 |
| 3 | Profed Federal Credit Union Fort Wayne, IN |
577 | $53,675,000 | $93,000 | $93,000 |
| 4 | First Merchants Bank Muncie, IN |
515 | $73,485,000 | $142,000 | $78,000 |
| 5 | Fifth Third Bank, National Association Cincinnati, OH |
482 | $73,910,000 | $153,000 | $100,000 |
| 6 | PNC Bank N.A. Pittsburgh, PA |
467 | $47,395,000 | $101,000 | $88,000 |
| 7 | Flagstar Bank NA Troy, MI |
416 | $48,210,000 | $115,000 | $75,000 |
| 8 | Hallmark Home Mortgage, LLC Fort Wayne, IN |
414 | $82,170,000 | $198,000 | $86,000 |
| 9 | Midwest America Federal Credit Union Fort Wayne, IN |
346 | $31,690,000 | $91,000 | $81,000 |
| 10 | Star Financial Bank Fort Wayne, IN |
344 | $46,490,000 | $135,000 | $142,000 |
See every lender active in Fort Wayne, IN metro area in 2023 »
The tables below break down 2023 mortgage applications in Fort Wayne, IN metro area by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Fort Wayne, 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 | 8,589 | $2,318,465,000 | $269,000 | $81,705,000 | $99,000 | $3,194,000 |
| Cash-out Refinancing | 2,510 | $431,300,000 | $172,000 | $22,785,000 | $92,000 | $5,555,000 |
| Other Purpose | 2,099 | $143,875,000 | $68,000 | $1,005,000 | $100,000 | $1,884,000 |
| Home Improvement | 1,780 | $111,290,000 | $62,000 | $2,405,000 | $99,000 | $1,788,000 |
| Refinancing | 1,151 | $201,625,000 | $175,000 | $18,005,000 | $105,000 | $2,118,000 |
| Not Applicable | 54 | $3,570,000 | $66,000 | $205,000 | $23,000 | $23,000 |
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 | 10,646 | $1,682,640,000 | $158,000 | $3,625,000 | $100,000 | $3,194,000 |
| Not Provided | 1,592 | $262,100,000 | $164,000 | $1,985,000 | $110,000 | $5,555,000 |
| Not applicable | 1,354 | $859,830,000 | $636,000 | $81,705,000 | $104,000 | $236,000 |
| Black or African American | 989 | $140,015,000 | $141,000 | $735,000 | $79,000 | $1,133,000 |
| Hispanic | 819 | $121,955,000 | $148,000 | $835,000 | $82,000 | $763,000 |
| Asian | 639 | $119,275,000 | $186,000 | $3,505,000 | $87,000 | $683,000 |
| American Indian or Alaskan Native | 76 | $11,250,000 | $148,000 | $755,000 | $83,000 | $828,000 |
| Native Hawaiian or Other Pacific Islander | 8 | $1,160,000 | $145,000 | $295,000 | $83,000 | $166,000 |
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) | 12,799 | $2,483,825,000 | $194,000 | $81,705,000 | $104,000 | $5,555,000 |
| FHA-insured (Federal Housing Administration) | 2,389 | $473,045,000 | $198,000 | $18,505,000 | $72,000 | $360,000 |
| VA-guaranteed (Veterans Administration) | 926 | $238,970,000 | $258,000 | $835,000 | $87,000 | $526,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 69 | $14,285,000 | $207,000 | $385,000 | $74,000 | $115,000 |
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 | 9,595 | $2,094,895,000 | $218,000 | $81,705,000 | $106,000 | $5,555,000 |
| Application Denied By Financial Institution | 2,463 | $307,755,000 | $124,000 | $18,505,000 | $76,000 | $1,630,000 |
| Application Withdrawn By Applicant | 1,685 | $329,825,000 | $195,000 | $17,525,000 | $98,000 | $4,399,000 |
| Loan Purchased By The Institution | 1,389 | $294,705,000 | $212,000 | $725,000 | $73,000 | $445,000 |
| Application Approved But Not Accepted | 582 | $113,320,000 | $194,000 | $15,125,000 | $95,000 | $1,317,000 |
| File Closed For Incompleteness | 435 | $62,285,000 | $143,000 | $3,625,000 | $91,000 | $828,000 |
| Preapproval Approved but not Accepted | 21 | $5,155,000 | $245,000 | $535,000 | $95,000 | $278,000 |
| Preapproval Denied by Financial Institution | 13 | $2,185,000 | $168,000 | $465,000 | $56,000 | $86,000 |
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 | 13,578 | $2,792,920,000 | $205,000 | $60,005,000 | $103,000 | $5,555,000 |
| Credit History | 840 | $70,730,000 | $84,000 | $615,000 | $77,000 | $990,000 |
| Debt-To-Income Ratio | 840 | $225,990,000 | $269,000 | $81,705,000 | $68,000 | $1,630,000 |
| Collateral | 372 | $41,760,000 | $112,000 | $1,205,000 | $99,000 | $1,500,000 |
| Credit Application Incomplete | 246 | $31,100,000 | $126,000 | $1,005,000 | $87,000 | $1,200,000 |
| Other | 163 | $22,905,000 | $140,000 | $3,505,000 | $81,000 | $350,000 |
| Unverifiable Information | 52 | $9,040,000 | $173,000 | $535,000 | $91,000 | $480,000 |
| Employment History | 52 | $8,040,000 | $154,000 | $535,000 | $66,000 | $416,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 37 | $7,375,000 | $199,000 | $585,000 | $87,000 | $498,000 |
| Mortgage Insurance Denied | 3 | $265,000 | $88,000 | $165,000 | $84,000 | $124,000 |
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.
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