Spencer County, IN Mortgage Lenders & HMDA Data, 2020

In 2020, lenders reported 919 mortgage applications in Spencer County, IN totaling $122.6 million, up 32% from 2019. The average application was for $133,000, and applicants reported an average income of $91,000. 56% of applications resulted in an originated loan and 12% were denied. The most active lender was Liberty Federal Credit Union, with 101 applications, followed by German American Bank and Old National 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 919
Total Mortgage Loan Application Amount $122,615,000
Average Mortgage Loan Application Amount $133,000
Highest Mortgage Loan Application Amount $1,715,000
Average Applicant Income $91,000
Highest Applicant Income $9,999,000

Mortgage Company List for Lending in Spencer County, IN for 2020

* 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
Liberty Federal Credit Union
9520 ORMSBY STATION RD SUITE 20
LOUISVILLE, KY 40223
* $ 1,850,784,000 101 $ 13,645,000
German American Bank
711 MAIN STREET, P.O. BOX 360
JASPER, IN 47546
* $ 4,385,485,000 97 $ 9,125,000
Old National Bank
ONE MAIN STREET
EVANSVILLE, IN 47708
* $ 20,311,535,000 71 $ 10,055,000
Fifth Third Bank, National Association
38 FOUNTAIN SQUARE MD1090K1
CINCINNATI, OH 45263
* $ 167,845,100,000 62 $ 6,440,000
Gvc Mortgage, Inc.
ONE PLAZA DRIVE, SUITE 3
SUITE 200, IN 46064
* $ -1,000 58 $ 7,440,000
PennyMac Loan Services LLC
3043 TOWNSGATE ROAD
WESTLAKE VILLAGE, CA 91361
* $ -1,000 39 $ 5,305,000
Heritage Federal Credit Union
PO BOX 189
NEWBURGH, IN 47629
* $ 657,443,000 34 $ 4,270,000
Freedom Mortgage Corporation
951 YAMATO ROAD SUITE 175
BOCA RATON, FL 33431
* $ -1,000 33 $ 5,435,000
Ruoff Mortgage Company
1700 MAGNAVOX WAY SUITE 220
FORT WAYNE, IN 46804
* $ -1,000 22 $ 3,170,000
Wells Fargo Bank NA

MINNEAPOLIS, MN 55415
* $ 1,712,919,000,000 21 $ 2,475,000
21st Mortgage
620 MARKET ST SUITE 100
KNOXVILLE, TN 37902
* $ -1,000 21 $ 1,905,000
Vanderbilt Mortgage and Finance, Inc
500 ALCOA TRAIL
MARYVILLE, TN 37804
* $ -1,000 20 $ 2,300,000
Mortgage Masters of Indiana Inc
501 N CROSS POINTE BLVD
EVANSVILLE, IN 47715
* $ -1,000 17 $ 2,795,000
Truist Bank
3100 SMOKETREE CT FL 5
RALEIGH, NC 27604
* $ 461,256,000,000 15 $ 2,745,000
Planet Home Lending, LLC
321 RESEARCH PARKWAY SUITE 303
MERIDEN, CT 06450
* $ -1,000 15 $ 2,065,000
Mortgage Research Center
1400 VETERANS UNITED DR.
COLUMBIA, MO 65203
* $ -1,000 13 $ 2,325,000
US Bank, N.A.
425 WALNUT STREET
CINCINNATI, OH 45202
* $ 486,004,220,000 13 $ 1,255,000
Amerihome Mortgage Company, LLC
1 BAXTER WAY SUITE 300
THOUSAND OAKS, CA 91362
* $ -1,000 12 $ 1,780,000
Amerisave Mortgage Company
1200 ALTMORE AVENUE BUILDING 2 SUITE 300
SANDY SPRINGS, GA 30342
* $ -1,000 9 $ 1,745,000
Newrez LLC

FORT WASHINGTON, PA 19034
* $ -1,000 9 $ 965,000
First Federal Savings Bank
PO BOX 1111
EVANSVILLE, IN 47706
* $ 452,750,000 9 $ 765,000
New Day Financial, Llc.
360 SOUTH ROSEMARY AVENUE SUITE 1900
WEST PALM BEACH, FL 33401
* $ -1,000 7 $ 1,365,000
Boonville Federal Savings Bank
123 N. THIRD STREET
BOONVILLE, IN 47601
* $ 54,703,000 7 $ 1,005,000
Independence Bank of Kentucky
2425 FREDERICA STREET
OWENSBORO, KY 42301
* $ 2,596,482,000 6 $ 780,000
Caliber Home Loans, Inc.
1525 S. BELTLINE ROAD
WILMINGTON, DE 75019
* $ -1,000 6 $ 1,560,000
Lakeview Loan Servicing, LLC
4425 PONCE DE LEON BLVD.
CORAL GABLES, FL 33146
* $ -1,000 6 $ 880,000
The Money Source Inc.
135 MAXESS ROAD
NEW YORK, NY 11747
* $ -1,000 6 $ 880,000
Home Point Financial Corporation
1194 OAK VALLEY DRIVE, SUITE 80
ANN ARBOR, MI 48108
* $ -1,000 6 $ 1,000,000
United Wholesale Mortgage
40600 ANN ARBOR RD E STE 201
PLYMOUTH, MI 48170
* $ -1,000 6 $ 1,080,000
Royal United Mortgage LLC
7999 KNUE RD. STE 300
INDIANAPOLIS, IN 46256
* $ -1,000 5 $ 525,000
Flagstar Bank NA

TROY, MI 49098
* $ 23,234,514,000 5 $ 595,000
Carrington Mortgage Services LLC
500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400
ORANGE, CA 92868
* $ -1,000 5 $ 485,000
Legence Bank
P.O. BOX 569
ELDORADO, IL 62930
* $ 483,497,000 4 $ 660,000
Regions Bank
1900 5TH AVENUE N
BIRMINGHAM, AL 35203
* $ 125,641,000,000 4 $ 870,000
Cis Financial Services, Inc.
851 MILITARY STREET N
HAMILTON, AL 35570
* $ -1,000 4 $ 560,000
South Central Bank Inc
501 S L ROGERS WELLS BLVD
GLASGOW, KY 42141
* $ 1,275,110,000 4 $ 400,000
Farm Credit Mid-America, Aca
1601 UPS DRIVE
LOUISVILLE, KY 40299
* $ -1,000 4 $ 2,230,000
Republic Bank & Trust
601 W MARKET ST
LOUISVILLE, KY 40202
* $ 5,611,084,000 3 $ 395,000
Nationstar Mortgage
8950 CYPRESS WATERS BLVD.
COPPELL, TX 75019
* $ -1,000 3 $ 375,000
Amerifirst Financial Corporation
950 TRADE CENTRE WAY SUITE 400
KALAMAZOO, MI 49009
* $ -1,000 3 $ 445,000
Plaza Home Mortgage, Inc
4820 EASTGATE MALL, STE 100
SAN DIEGO, CA 92121
* $ -1,000 3 $ 365,000
American Financial Resources LLC
9 SYLVAN WAY
PARSIPPANY, NJ 07054
* $ -1,000 3 $ 525,000
First Guaranty Mortgage Corporation
1900 GALLOWS ROAD, SUITE 800
TYSONS CORNER, VA 22182
* $ -1,000 3 $ 335,000
Field & Main Bank
140 N. MAIN ST.
HENDERSON, KY 42420
* $ 471,940,000 2 $ 410,000
Bank of America NA
31303 AGOURA RD CA6-917-01-20
WESTLAKE VILLAGE, CA 91361
* $ 1,852,983,000,000 2 $ 280,000
Banterra Bank
111 AIRWAY DRIVE
MARION, IL 62959
* $ 1,950,815,000 2 $ 230,000
Northpointe Bank
3333 DEPOSIT DRIVE NE
GRAND RAPIDS, MI 49546
* $ 2,186,056,000 2 $ 280,000
Intercontinental Capital Group, Inc
50 JERICHO QUADRANGLE, SUITE 210
JERICHO, NY 11753
* $ -1,000 2 $ 210,000
Guaranteed Rate, Inc.
3940 NORTH RAVENSWOOD AVE
CHICAGO, IL 60613
* $ -1,000 2 $ 460,000
Member First Mortgage, LLC
616 44TH STREET SE
GRAND RAPIDS, MI 49548
* $ -1,000 2 $ 260,000
First Savings Bank
501 E. LEWIS & CLARK PARKWAY
JEFFERSONVILLE, IN 47130
* $ 1,289,704,000 2 $ 310,000
Midfirst Bank
501 NW GRAND BLVD
OKLAHOMA CITY, OK 73118
* $ 22,986,309,000 2 $ 360,000
PNC Bank N.A.
249 FIFTH AVE. MS P1-POPP-22-2
PITTSBURGH, PA 15222
* $ 397,703,264,000 2 $ 450,000
The Sacramento Deposit Bank
P.O. BOX 228
SACRAMENTO, KY 42372
* $ 110,922,000 2 $ 80,000
Figure Lending LLC

SAN FRANCISCO, CA 94108
* $ -1,000 2 $ 150,000
loanDepot.com LLC
6561 IRVINE CENTER DRIVE
IRVINE, CA 92618
* $ -1,000 2 $ 220,000
Liberty Home Mortgage Corp
4401 ROCKSIDE RD 310
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 290,000
Mutual of Omaha Mortgage

LOMBARD, IL 60148
* $ -1,000 2 $ 180,000
Envoy Mortgage, Ltd
10496 KATY FWY STE 250
HOUSTON, TX 77024
* $ -1,000 2 $ 400,000
Navy Federal Credit Union
820 FOLLIN LANE
VIENNA, VA 22180
* $ 111,986,078,000 2 $ 200,000
JPMorgan Chase Bank, NA
1111 POLARIS PARKWAY
COLUMBUS, OH 43240
* $ 2,337,646,000,000 2 $ 300,000
Servion
500 MAIN STREET
NEW BRIGHTON, MN 55112
* $ -1,000 2 $ 280,000
Sierra Pacific Mortgage Co. Inc
1180 IRON POINT RD, SUITE 200
FOLSOM, CA 95630
* $ -1,000 2 $ 340,000
Nations Lending Corporation
4 SUMMIT PARK DR STE 200
INDEPENDENCE, OH 44131
* $ -1,000 2 $ 210,000
Bank of England
PO BOX 70
ENGLAND, AR 72046
* $ 464,504,000 2 $ 230,000
Discover Bank
12 READS WAY
GREENWOOD, DE 19950
* $ 112,384,202,000 2 $ 130,000
Village Capital & Investment
2460 PASEO VERDE PKWY SUITE 100
HENDERSON, NV 89074
* $ -1,000 2 $ 260,000
Low VA Rates, LLC
384 SOUTH 400 WEST, #100
LINDON, UT 84042
* $ -1,000 2 $ 280,000
Cibm Bank
19601 WEST BLUEMOUND ROAD
BROOKFIELD, WI 53045
* $ 696,014,000 1 $ 195,000
Fair Way Lending, LLC
918 LILY CREEK RD, #202
LOUISVILLE, KY 40243
* $ -1,000 1 $ 105,000
Magnolia Bank
PO BOX 188
HODGENVILLE, KY 42748
* $ 313,272,000 1 $ 165,000
Movement Mortgage, LLC
8024 CALVIN HALL ROAD
INDIAN LAND, SC 29707
* $ -1,000 1 $ 205,000
The Federal Savings Bank
300 N ELIZABETH STREET, STE 3E
CHICAGO, IL 60639
* $ 604,528,000 1 $ 235,000
The Elberfeld State Bank
55 MAIN
ELBERFELD, IN 47613
* $ 80,929,000 1 $ 85,000
Southwest Stage Funding LLC
2290 E YEAGER DR SUITE 250
CHANDLER, AZ 85286
* $ -1,000 1 $ 135,000
1st Signature Lending, LLC
9800 CROSSPOINT BLVD.
INDIANAPOLIS, IN 46256
* $ -1,000 1 $ 115,000
PHH Mortgage Corporation

WEST PALM BEACH, FL 33409
* $ -1,000 1 $ 105,000
Crosscountry Mortgage, LLC
2160 SUPERIOR AVENUE
CLEVELAND, OH 44114
* $ -1,000 1 $ 105,000
Acrisure Mortgage, LLC
189 S ORANGE AVE STE 970
ORLANDO, FL 32801
* $ -1,000 1 $ 95,000
American Advisors Group
3800 W.CHAPMAN SUITE 300
ORANGE, CA 92868
* $ -1,000 1 $ 5,000
Arvest Bank

TULSA, OK 74103
* $ 19,445,554,000 1 $ 125,000
Better Mortgage Corporation
1 WORLD TRADE CENTER FL 80
NEW YORK, NY 10007
* $ -1,000 1 $ 75,000
Huntington National Bank
7 EASTON OVAL EA5C242
COLUMBUS, OH 43219
* $ 108,739,378,000 1 $ 45,000
USAA Federal Savings Bank
10750 MCDERMOTT FREEWAY
SAN ANTONIO, TX 78288
* $ 88,826,789,000 1 $ 105,000
Renasant Bank

JOHNS CREEK, GA 30097
* $ 13,387,533,000 1 $ 255,000
Cardinal Financial Company, Li
3530 TORINGDON WAY STE 200
CHARLOTTE, NC 28277
* $ -1,000 1 $ 175,000
Network Capital Funding Corporation
7700 IRVINE CENTER DRIVE #300
IRVINE, CA 92618
* $ -1,000 1 $ 185,000
Stearns Lending, LLC
4 HUTTON CENTRE, 10TH FLOOR
SANTA ANA, CA 92707
* $ -1,000 1 $ 135,000
Evansville Federal Credit Unio
PO BOX 651, 6209 VOGEL RD
EVANSVILLE, IN 47704
* $ 69,560,000 1 $ 215,000
CMG Mortgage Inc
3160 CROW CANYON ROAD, SUITE 400
SAN RAMON, IL 94583
* $ -1,000 1 $ 145,000
James B. Nutter & Company
4153 BROADWAY
KANSAS CITY, MO 64111
* $ -1,000 1 $ 215,000
Mycumortgage
3560 PENTAGON BLVD. SUITE 301
BEAVERCREEK, OH 45431
* $ -1,000 1 $ 55,000
Triad Financial Services, Inc.
13901 SUTTON PARK DRIVE SOUTH, SUITE 300
JACKSONVILLE, FL 32224
* $ -1,000 1 $ 125,000
Colten Mortgage, LLC
6021 S SYRACUSE WAY STE 104
GREENWOOD VILLAGE, CO 80111
* $ -1,000 1 $ 165,000
Click N' Close, Inc.
15301 SPECTRUM DRIVE, SUITE 405
ADDISON, TX 75001
* $ -1,000 1 $ 235,000
Texas Capital Bank, National Association
2000 MCKINNEY AVE SUITE 700
DALLAS, TX 75201
* $ 32,529,274,000 1 $ 155,000
Credit Human Federal Credit Un
6061 IH 10 WEST
SAN ANTONIO, TX 78215
* $ 3,210,474,000 1 $ 55,000
Citizens Bank, NA
ONE CITIZENS PLAZA
PROVIDENCE, RI 02903
* $ 165,742,416,000 1 $ 155,000
First State Bank of Forrest
133 E. KRACK ST.
FORREST, IL 61741
* $ 227,316,000 1 $ 235,000
First Financial Bank NA
1401 S. THIRD ST.
TERRE HAUTE, IN 47802
* $ 3,918,468,000 1 $ 75,000
Commonwealth Bank and Trust Company
4912 U S HWY 42
LOUISVILLE, KY 40222
* $ 1,122,128,000 1 $ 205,000
Union Home Mortgage Corp.
8241 DOW CIRCLE
STRONGSVILLE, OH 44136
* $ -1,000 1 $ 175,000
Crane Credit Union
1 WEST GATE DRIVE
ODON, IN 47562
* $ 617,543,000 1 $ 125,000
Lnb Community Bank
215 MAIN STREET
LYNNVILLE, IN 47619
* $ 124,396,000 1 $ 115,000
Homebridge Financial Services, Inc
194 WOOD AVE S, 9TH FLOOR
ISELIN, NJ 08830
* $ -1,000 1 $ 225,000
Cityworth Mortgage LLC
11781 LEE JACKSON HIGHWAY
FAIRFAX, VA 22033
* $ -1,000 1 $ 85,000
Nations Reliable Lending, LLC

HOUSTON, TX 77057
* $ -1,000 1 $ 325,000

The tables below break down 2020 mortgage applications in Spencer 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 Spencer County, IN in 2020

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 388 $54,890,000 $141,000 $595,000 $100,000 $9,999,000
Refinancing 330 $45,660,000 $138,000 $1,715,000 $83,000 $1,020,000
Cash-out Refinancing 120 $17,320,000 $144,000 $455,000 $85,000 $509,000
Other Purpose 39 $2,045,000 $52,000 $195,000 $84,000 $334,000
Home Improvement 29 $1,525,000 $52,000 $145,000 $93,000 $188,000
Not Applicable 13 $1,175,000 $90,000 $185,000 $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 741 $96,775,000 $130,000 $1,715,000 $92,000 $9,999,000
Not applicable 119 $16,905,000 $142,000 $455,000 $67,000 $132,000
Not Provided 46 $6,590,000 $143,000 $405,000 $86,000 $600,000
Hispanic 8 $1,270,000 $158,000 $215,000 $65,000 $155,000
Black or African American 2 $310,000 $155,000 $225,000 $78,000 $83,000
Native Hawaiian or Other Pacific Islander 1 $265,000 $265,000 $265,000 $165,000 $165,000
American Indian or Alaskan Native 1 $455,000 $455,000 $455,000 $124,000 $124,000
Asian 1 $45,000 $45,000 $45,000 $29,000 $29,000

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) 594 $75,680,000 $127,000 $1,715,000 $84,000 $1,020,000
FHA-insured (Federal Housing Administration) 127 $17,315,000 $136,000 $295,000 $200,000 $9,999,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 106 $14,080,000 $132,000 $365,000 $47,000 $82,000
VA-guaranteed (Veterans Administration) 92 $15,540,000 $168,000 $395,000 $65,000 $214,000

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 512 $69,830,000 $136,000 $1,715,000 $76,000 $628,000
Loan Purchased By The Institution 134 $19,030,000 $142,000 $455,000 $69,000 $132,000
Application Denied By Financial Institution 106 $11,440,000 $107,000 $365,000 $173,000 $9,999,000
Application Withdrawn By Applicant 106 $14,010,000 $132,000 $335,000 $91,000 $1,020,000
File Closed For Incompleteness 41 $5,575,000 $135,000 $405,000 $80,000 $270,000
Application Approved But Not Accepted 20 $2,730,000 $136,000 $595,000 $84,000 $189,000
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 803 $109,755,000 $136,000 $1,715,000 $79,000 $1,020,000
Credit History 34 $3,190,000 $93,000 $365,000 $385,000 $9,999,000
Debt-To-Income Ratio 32 $4,130,000 $129,000 $245,000 $57,000 $146,000
Collateral 19 $1,825,000 $96,000 $275,000 $103,000 $509,000
Credit Application Incomplete 12 $1,550,000 $129,000 $225,000 $74,000 $155,000
Other 8 $870,000 $108,000 $235,000 $70,000 $153,000
Unverifiable Information 8 $730,000 $91,000 $145,000 $61,000 $88,000
Insufficient Cash (Downpayment, Closing Cost) 2 $420,000 $210,000 $275,000 $87,000 $123,000
Employment History 1 $145,000 $145,000 $145,000 $61,000 $61,000
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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