Union County, IN Mortgage Lenders & HMDA Data, 2019
In 2019, lenders reported 278 mortgage applications in Union County, IN totaling $28.6 million, up 13% from 2018. The average application was for $102,000, and applicants reported an average income of $68,000. 62% of applications resulted in an originated loan and 14% were denied. The most active lender was The Bath State Bank, with 56 applications, followed by First Merchants Bank and Caliber Home Loans, Inc..
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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 | 278 |
| Total Mortgage Loan Application Amount | $28,630,000 |
| Average Mortgage Loan Application Amount | $102,000 |
| Highest Mortgage Loan Application Amount | $765,000 |
| Average Applicant Income | $68,000 |
| Highest Applicant Income | $258,000 |
* 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 |
|---|---|---|---|---|
| The Bath State Bank 3095 BATH ROAD BATH, IN 47010 |
* | $ 161,192,000 | 56 | $ 4,980,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 9,873,896,000 | 33 | $ 2,655,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 22 | $ 2,580,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 13,914,274,000 | 14 | $ 830,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 12 | $ 780,000 |
| Fcn Bank 501 MAIN STREET, PO BOX 37 BROOKVILLE, IN 47012 |
* | $ 441,703,000 | 9 | $ 845,000 |
| West End Bank, S.B. 34 SOUTH 7TH STREET RICHMOND, IN 47374 |
* | $ 299,816,000 | 7 | $ 755,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 6 | $ 770,000 |
| Union Savings and Loan Association 730 CENTRAL AVE P O BOX 366 CONNERSVILLE, IN 47331 |
* | $ 162,799,000 | 5 | $ 335,000 |
| First Bank Richmond 20 N 9TH ST RICHMOND, IN 47375 |
* | $ 844,978,000 | 5 | $ 365,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 5 | $ 705,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 5 | $ 605,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 5 | $ 605,000 |
| American Financial Resources LLC 9 SYLVAN WAY PARSIPPANY, NJ 07054 |
* | $ -1,000 | 5 | $ 645,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 4 | $ 190,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 770,000 |
| Somerville Bank 197 NORTH SOUTH MAIN STREET EATON, OH 45320 |
* | $ 181,271,000 | 4 | $ 530,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 4 | $ 420,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 3 | $ 345,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 3 | $ 415,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 3 | $ 375,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 2 | $ 280,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 2 | $ 180,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 350,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 2 | $ 340,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 2 | $ 180,000 |
| Miami University Community Federal Credit Union 5120 COLLEGE CORNER PIKE OXFORD, OH 45056 |
* | $ 65,262,000 | 2 | $ 70,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 2 | $ 310,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ -1,000 | 2 | $ 290,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 2 | $ 220,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 2 | $ 170,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 28,246,367,000 | 1 | $ 155,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 195,000 |
| Low VA Rates, LLC 384 SOUTH 400 WEST, #100 LINDON, UT 84042 |
* | $ -1,000 | 1 | $ 275,000 |
| PHH Mortgage Corporation WEST PALM BEACH, FL 33409 |
* | $ -1,000 | 1 | $ 185,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 1 | $ 135,000 |
| Roundpoint Mortgage Servicing LLC 446 WRENPLACE ROAD FORT MILL, SC 29715 |
* | $ -1,000 | 1 | $ 115,000 |
| General Electric Credit Union 10485 READING RD CINCINNATI, OH 45242 |
* | $ 3,042,617,000 | 1 | $ 75,000 |
| American Financial Network, Inc. 10 POINTE DRIVE, SUITE 330 BREA, CA 92821 |
* | $ -1,000 | 1 | $ 145,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 1 | $ 65,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 18,466,868,000 | 1 | $ 115,000 |
| Third Federal Savings and Loan 7007 BROADWAY AVENUE CLEVELAND, OH 44105 |
* | $ 14,205,430,000 | 1 | $ 25,000 |
| Peoples Mortgage Company 2055 E CENTENNIAL CIRCLE TEMPE, AZ 85284 |
* | $ -1,000 | 1 | $ 115,000 |
| American Neighborhood Mortgage Acceptance Company 700 EAST GATE DRIVE, SUITE 400 MT. LAUREL, NJ 08054 |
* | $ -1,000 | 1 | $ 195,000 |
| Bank of England PO BOX 70 ENGLAND, AR 72046 |
* | $ 312,093,000 | 1 | $ 155,000 |
| Old Fort Banking Company 8034 MAIN STREET OLD FORT, OH 44861 |
* | $ 532,827,000 | 1 | $ 165,000 |
| Fidelity Bank 100 E ENGLISH WICHITA, KS 67202 |
* | $ 2,269,890,000 | 1 | $ 65,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ -1,000 | 1 | $ 175,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 95,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 145,000 |
| Mutual of Omaha Mortgage LOMBARD, IL 60148 |
* | $ -1,000 | 1 | $ 135,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 65,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 125,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 115,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 1 | $ 65,000 |
| NBKC Bank 8320 WARD PARKWAY KANSAS CITY, MO 64114 |
* | $ 684,352,000 | 1 | $ 85,000 |
| Cfbank NA 4960 E DUBLIN GRANVILLE RD SUITE 400 COLUMBUS, OH 43081 |
* | $ 664,284,000 | 1 | $ 105,000 |
| Chemical Bank 333 E MAIN STREET MIDLAND, MI 48640 |
* | $ 21,460,393,000 | 1 | $ 175,000 |
| First Home Bank 9190 SEMINOLE BLVD SEMINOLE, FL 33772 |
* | $ 364,059,000 | 1 | $ 155,000 |
| Fowler State Bank 300 E 5TH ST FOWLER, IN 47944 |
* | $ 166,918,000 | 1 | $ 115,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 225,000 |
| Polaris Home Funding Corp. 151 44TH ST. SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 1 | $ 85,000 |
| Forum Credit Union P.O. BOX 50738 INDIANAPOLIS, IN 46250 |
* | $ 1,416,759,000 | 1 | $ 195,000 |
The tables below break down 2019 mortgage applications in Union 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 Union 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 | 113 | $12,815,000 | $113,000 | $295,000 | $64,000 | $194,000 |
| Refinancing | 63 | $8,055,000 | $127,000 | $765,000 | $77,000 | $253,000 |
| Cash-out Refinancing | 55 | $5,435,000 | $98,000 | $245,000 | $66,000 | $258,000 |
| Other Purpose | 31 | $1,455,000 | $46,000 | $135,000 | $69,000 | $181,000 |
| Home Improvement | 13 | $565,000 | $43,000 | $85,000 | $69,000 | $154,000 |
| Not Applicable | 3 | $305,000 | $101,000 | $175,000 | $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 | 234 | $23,120,000 | $98,000 | $325,000 | $68,000 | $258,000 |
| Not Provided | 23 | $2,385,000 | $103,000 | $305,000 | $66,000 | $181,000 |
| Not applicable | 17 | $2,815,000 | $165,000 | $765,000 | $56,000 | $86,000 |
| Hispanic | 2 | $100,000 | $50,000 | $85,000 | $51,000 | $78,000 |
| American Indian or Alaskan Native | 1 | $105,000 | $105,000 | $105,000 | $102,000 | $102,000 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $68,000 | $68,000 |
| 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) | 190 | $17,300,000 | $91,000 | $765,000 | $73,000 | $258,000 |
| FHA-insured (Federal Housing Administration) | 42 | $5,420,000 | $129,000 | $245,000 | $63,000 | $140,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 24 | $2,560,000 | $106,000 | $235,000 | $43,000 | $82,000 |
| VA-guaranteed (Veterans Administration) | 22 | $3,350,000 | $152,000 | $275,000 | $52,000 | $86,000 |
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 | 172 | $17,800,000 | $103,000 | $765,000 | $73,000 | $258,000 |
| Application Denied By Financial Institution | 40 | $3,560,000 | $89,000 | $205,000 | $54,000 | $181,000 |
| Application Withdrawn By Applicant | 28 | $2,940,000 | $105,000 | $225,000 | $60,000 | $167,000 |
| Loan Purchased By The Institution | 22 | $2,990,000 | $135,000 | $195,000 | $64,000 | $86,000 |
| File Closed For Incompleteness | 10 | $760,000 | $76,000 | $135,000 | $45,000 | $84,000 |
| Application Approved But Not Accepted | 5 | $415,000 | $83,000 | $145,000 | $77,000 | $157,000 |
| Preapproval Denied by Financial Institution | 1 | $165,000 | $165,000 | $165,000 | $61,000 | $61,000 |
| Preapproval Approved but not Accepted | 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 | 178 | $19,480,000 | $109,000 | $325,000 | $67,000 | $258,000 |
| Debt-To-Income Ratio | 67 | $6,315,000 | $94,000 | $765,000 | $74,000 | $253,000 |
| Credit History | 15 | $1,355,000 | $90,000 | $205,000 | $51,000 | $158,000 |
| Collateral | 11 | $845,000 | $76,000 | $185,000 | $69,000 | $181,000 |
| Unverifiable Information | 3 | $115,000 | $38,000 | $65,000 | $44,000 | $72,000 |
| Credit Application Incomplete | 2 | $350,000 | $175,000 | $175,000 | $71,000 | $72,000 |
| Other | 1 | $125,000 | $125,000 | $125,000 | $66,000 | $66,000 |
| Employment History | 1 | $45,000 | $45,000 | $45,000 | $21,000 | $21,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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