Vermillion County, IN Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 744 mortgage applications in Vermillion County, IN totaling $78.1 million, up 43% from 2019. The average application was for $104,000, and applicants reported an average income of $72,000. 60% of applications resulted in an originated loan and 18% were denied. The most active lender was First Financial Bank NA, with 138 applications, followed by Ruoff Mortgage Company and Fifth Third Bank, National Association.
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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 | 744 |
| Total Mortgage Loan Application Amount | $78,060,000 |
| Average Mortgage Loan Application Amount | $104,000 |
| Highest Mortgage Loan Application Amount | $985,000 |
| Average Applicant Income | $72,000 |
| Highest Applicant Income | $486,000 |
* 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 |
|---|---|---|---|---|
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 3,918,468,000 | 138 | $ 11,550,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 90 | $ 10,000,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 167,845,100,000 | 78 | $ 5,020,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 20,311,535,000 | 75 | $ 5,065,000 |
| Riddell National Bank 1 EAST NATIONAL AVE BRAZIL, IN 47834 |
* | $ 238,717,000 | 26 | $ 3,660,000 |
| First Farmers Bank & Trust 123 N. JEFFERSON STREET CONVERSE, IN 46919 |
* | $ 1,907,914,000 | 22 | $ 2,740,000 |
| Catlin Bank 202 S SANDUSKY ST CATLIN, IL 61817 |
* | $ 62,781,000 | 22 | $ 3,070,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 17 | $ 1,805,000 |
| The Fountain Trust Company 615 THIRD ST. COVINGTON, IN 47932 |
* | $ 406,921,000 | 17 | $ 2,255,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 17 | $ 1,645,000 |
| First Mid Bank and Trust, NA 1515 CHARLESTON AVE, PO BOX 499 MATTOON, IL 61938 |
* | $ 3,808,206,000 | 14 | $ 2,130,000 |
| Crane Credit Union 1 WEST GATE DRIVE ODON, IN 47562 |
* | $ 617,543,000 | 9 | $ 945,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 9 | $ 1,335,000 |
| Wolfe Financial Inc 191 H NC HIGHWAY 42 NORTH ASHEBORO, NC 27203 |
* | $ -1,000 | 9 | $ 775,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 8 | $ 1,020,000 |
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 14,434,311,000 | 8 | $ 690,000 |
| Elements Financial Federal Cre 225 S EAST ST, SUITE 300 INDIANAPOLIS, IN 46202 |
* | $ 1,687,713,000 | 7 | $ 495,000 |
| The Hometown Savings Bank 533 OHIO ST (PO BOX 9629) TERRE HAUTE, IN 47807 |
* | $ 350,358,000 | 7 | $ 1,245,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 6 | $ 890,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 6 | $ 860,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 475,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,739,378,000 | 5 | $ 805,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 5 | $ 595,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 5 | $ 265,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 5 | $ 505,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 990,000 |
| Iroquois Federal Savings & Loan Association 201 E CHERRY ST WATSEKA, IL 60970 |
* | $ 678,216,000 | 4 | $ 680,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 4 | $ 610,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 4 | $ 620,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 3 | $ 205,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 365,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 3 | $ 215,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 895,000 |
| Vibrant Credit Union 1900 52ND AVE MOLINE, IL 61265 |
* | $ 809,155,000 | 3 | $ 165,000 |
| First Midwest Bank 300 N. HUNT CLUB ROAD GURNEE, IL 60031 |
* | $ 17,757,753,000 | 3 | $ 205,000 |
| Gvc Mortgage, Inc. ONE PLAZA DRIVE, SUITE 3 SUITE 200, IN 46064 |
* | $ -1,000 | 2 | $ 420,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 170,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 2 | $ 440,000 |
| Credit Union 1 200 EAST CHAMPAIGN AVENUE RANTOUL, IL 61866 |
* | $ 958,632,000 | 2 | $ 180,000 |
| The Farmers & Merchants Bank 302 S. OLD U.S. HIGHWAY 41 P.O. BOX 519 BOSWELL, IN 47921 |
* | $ 131,114,000 | 2 | $ 310,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 240,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 90,000 |
| Clearpath Lending 15615 ALTON PARKWAY SUITE 300 IRVINE, CA 92618 |
* | $ -1,000 | 2 | $ 280,000 |
| Fair Way Lending, LLC 918 LILY CREEK RD, #202 LOUISVILLE, KY 40243 |
* | $ -1,000 | 2 | $ 340,000 |
| Marine Bank 3050 WABASH AVENUE SPRINGFIELD, IL 62704 |
* | $ 639,675,000 | 2 | $ 310,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 2 | $ 120,000 |
| Midwest America Federal Credit Union 1104 MEDICAL PARK DR FORT WAYNE, IN 46825 |
* | $ 669,858,000 | 2 | $ 110,000 |
| Financial Center First Credit Union 7101 E 56TH STREET INDIANAPOLIS, IN 46226 |
* | $ 585,536,000 | 1 | $ 105,000 |
| Cibm Bank 19601 WEST BLUEMOUND ROAD BROOKFIELD, WI 53045 |
* | $ 696,014,000 | 1 | $ 65,000 |
| The Home Loan Expert LLC 1600 S BRENTWOOD ST LOUIS, MO 63144 |
* | $ -1,000 | 1 | $ 35,000 |
| First National Bank 302 S MAIN ST CLOVERDALE, IN 46120 |
* | $ 313,638,000 | 1 | $ 245,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 185,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 1 | $ 55,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 1 | $ 75,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,424,675,000 | 1 | $ 175,000 |
| Forum Credit Union P.O. BOX 50738 INDIANAPOLIS, IN 46250 |
* | $ 1,489,730,000 | 1 | $ 85,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 125,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 165,742,416,000 | 1 | $ 265,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 41,950,721,000 | 1 | $ 275,000 |
| Zions Bancorporation, N.A. DENVER, CO 80237 |
* | $ 69,171,552,000 | 1 | $ 155,000 |
| Parsons Federal Credit Union 100 W WALNUT STREET PASADENA, CA 91124 |
* | $ 228,113,000 | 1 | $ 185,000 |
| Hoosier Heartland State Bank 1400 DARLINGTON AVE CRAWFORDSVILLE, IN 47933 |
* | $ 203,283,000 | 1 | $ 145,000 |
| Das Acquisition Company, LLC 12140 WOODCREST EXECUTIVE DRIVE, STE 150 SAINT LOUIS, MO 63141 |
* | $ -1,000 | 1 | $ 235,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 1 | $ 115,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,445,435,000 | 1 | $ 125,000 |
| Geneva Financial LLC 180 S ARIZONA AVE STE 310 CHANDLER, AZ 85225 |
* | $ -1,000 | 1 | $ 125,000 |
| Blue Ridge Bank P.O. BOX 609, 17 WEST MAIN ST LURAY, VA 22835 |
* | $ 959,563,000 | 1 | $ 135,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 1 | $ 145,000 |
| Cardinal Financial Company, Li 3530 TORINGDON WAY STE 200 CHARLOTTE, NC 28277 |
* | $ -1,000 | 1 | $ 125,000 |
| Oceanside Mortgage Company 55 MAIN ST TOMS RIVER, NJ 08753 |
* | $ -1,000 | 1 | $ 125,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 2,877,075,000 | 1 | $ 35,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 1 | $ 75,000 |
| The Federal Savings Bank 300 N ELIZABETH STREET, STE 3E CHICAGO, IL 60639 |
* | $ 604,528,000 | 1 | $ 55,000 |
| Prospect Bank PO BOX 400 PARIS, IL 61944 |
* | $ 559,587,000 | 1 | $ 115,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 105,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ -1,000 | 1 | $ 135,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 245,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 1 | $ 355,000 |
| Colonial Savings P O BOX 2988 FORT WORTH, TX 76102 |
* | $ 1,065,955,000 | 1 | $ 105,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 155,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 5,236,417,000 | 1 | $ 65,000 |
| Finance of America Mortgage LLC 300 WELSH ROAD BUILDING 5 WILMINGTON, DE 19044 |
* | $ -1,000 | 1 | $ 245,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 95,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ -1,000 | 1 | $ 205,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,641,000,000 | 1 | $ 95,000 |
| The Union Bank Company 105 PROGRESSIVE DRIVE COLUMBUS GROVE, OH 45830 |
* | $ 877,982,000 | 1 | $ 225,000 |
| Homebridge Financial Services, Inc 194 WOOD AVE S, 9TH FLOOR ISELIN, NJ 08830 |
* | $ -1,000 | 1 | $ 155,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 75,000 |
| Winterwood Mortgage Group, LLC 107 N STATE ROAD 135, SUITE 301 GREENWOOD, IN 46142 |
* | $ -1,000 | 1 | $ 115,000 |
The tables below break down 2020 mortgage applications in Vermillion 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 Vermillion 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 |
|---|---|---|---|---|---|---|
| Refinancing | 289 | $30,425,000 | $105,000 | $985,000 | $75,000 | $486,000 |
| Home Purchase | 254 | $30,030,000 | $118,000 | $475,000 | $65,000 | $306,000 |
| Cash-out Refinancing | 106 | $13,520,000 | $127,000 | $325,000 | $80,000 | $194,000 |
| Home Improvement | 56 | $1,900,000 | $33,000 | $105,000 | $73,000 | $232,000 |
| Other Purpose | 33 | $1,825,000 | $55,000 | $245,000 | $71,000 | $212,000 |
| Not Applicable | 6 | $360,000 | $60,000 | $75,000 | $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 | 669 | $70,395,000 | $105,000 | $985,000 | $72,000 | $486,000 |
| Not Provided | 38 | $4,300,000 | $113,000 | $255,000 | $74,000 | $218,000 |
| Not applicable | 29 | $2,705,000 | $93,000 | $245,000 | $56,000 | $81,000 |
| American Indian or Alaskan Native | 2 | $100,000 | $50,000 | $55,000 | $44,000 | $56,000 |
| Black or African American | 2 | $240,000 | $120,000 | $145,000 | $63,000 | $82,000 |
| Hispanic | 2 | $180,000 | $90,000 | $145,000 | $22,000 | $22,000 |
| Native Hawaiian or Other Pacific Islander | 2 | $140,000 | $70,000 | $85,000 | $43,000 | $50,000 |
| Asian | 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) | 564 | $57,460,000 | $101,000 | $985,000 | $76,000 | $486,000 |
| FHA-insured (Federal Housing Administration) | 79 | $7,855,000 | $99,000 | $295,000 | $53,000 | $177,000 |
| VA-guaranteed (Veterans Administration) | 54 | $8,250,000 | $152,000 | $405,000 | $59,000 | $137,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 47 | $4,495,000 | $95,000 | $295,000 | $50,000 | $163,000 |
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 | 447 | $48,285,000 | $108,000 | $415,000 | $74,000 | $428,000 |
| Application Denied By Financial Institution | 136 | $11,080,000 | $81,000 | $985,000 | $62,000 | $194,000 |
| Application Withdrawn By Applicant | 79 | $10,535,000 | $133,000 | $475,000 | $86,000 | $486,000 |
| Application Approved But Not Accepted | 34 | $3,530,000 | $103,000 | $315,000 | $65,000 | $144,000 |
| Loan Purchased By The Institution | 33 | $3,235,000 | $98,000 | $265,000 | $55,000 | $92,000 |
| File Closed For Incompleteness | 15 | $1,395,000 | $93,000 | $195,000 | $63,000 | $211,000 |
| 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 | 583 | $63,155,000 | $108,000 | $475,000 | $73,000 | $486,000 |
| Debt-To-Income Ratio | 56 | $7,640,000 | $136,000 | $985,000 | $72,000 | $218,000 |
| Credit History | 53 | $3,755,000 | $70,000 | $325,000 | $57,000 | $184,000 |
| Collateral | 34 | $2,230,000 | $65,000 | $255,000 | $79,000 | $194,000 |
| Other | 12 | $920,000 | $76,000 | $145,000 | $58,000 | $97,000 |
| Unverifiable Information | 3 | $125,000 | $41,000 | $55,000 | $105,000 | $143,000 |
| Credit Application Incomplete | 3 | $235,000 | $78,000 | $115,000 | $65,000 | $94,000 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
| 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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