In 2019, lenders reported 348 mortgage applications in Warren County, IN totaling $36.8 million, up 4% from 2018. The average application was for $105,000, and applicants reported an average income of $70,000. 55% of applications resulted in an originated loan and 22% were denied. The most active lender was First Financial Bank, with 52 applications, followed by Old National Bank and The Fountain Trust Company.
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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 | 348 |
| Total Mortgage Loan Application Amount | $36,820,000 |
| Average Mortgage Loan Application Amount | $105,000 |
| Highest Mortgage Loan Application Amount | $435,000 |
| Average Applicant Income | $70,000 |
| Highest Applicant Income | $261,000 |
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| First Financial Bank 255 EAST FIFTH STREET SUITE 900 CINCINNATI, OH 45202 |
* | $ 13,914,274,000 | 52 | $ 3,890,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 19,633,838,000 | 23 | $ 1,555,000 |
| The Fountain Trust Company 615 THIRD ST. COVINGTON, IN 47932 |
* | $ 369,699,000 | 18 | $ 2,350,000 |
| Fair Way Lending, LLC 918 LILY CREEK RD, #202 LOUISVILLE, KY 40243 |
* | $ -1,000 | 17 | $ 2,285,000 |
| The Farmers & Merchants Bank 302 S. OLD U.S. HIGHWAY 41 P.O. BOX 519 BOSWELL, IN 47921 |
* | $ 125,388,000 | 16 | $ 1,520,000 |
| Purdue Federal CU 1551 WIN HENTSCHEL BLVD., PO BOX 2433 WEST LAFAYETTE, IN 47906 |
* | $ 1,192,590,000 | 14 | $ 1,210,000 |
| Catlin Bank 202 S SANDUSKY ST CATLIN, IL 61817 |
* | $ 56,377,000 | 10 | $ 860,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 8 | $ 940,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,218,960,000,000 | 7 | $ 685,000 |
| First Merchants Bank 200 E. JACKSON ST. MUNCIE, IN 47305 |
* | $ 9,873,896,000 | 7 | $ 915,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 7 | $ 785,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 7 | $ 885,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,689,351,000,000 | 6 | $ 410,000 |
| Horizon Bank 515 FRANKLIN ST MICHIGAN CITY, IN 46360 |
* | $ 4,241,335,000 | 6 | $ 440,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 108,672,320,000 | 5 | $ 355,000 |
| Hallmark Home Mortgage, LLC 7421 COLDWATER ROAD FORT WAYNE, IN 46825 |
* | $ -1,000 | 5 | $ 575,000 |
| Iroquois Federal Savings & Loan Association 201 E CHERRY ST WATSEKA, IL 60970 |
* | $ 664,274,000 | 5 | $ 605,000 |
| Fowler State Bank 300 E 5TH ST FOWLER, IN 47944 |
* | $ 166,918,000 | 5 | $ 575,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 4 | $ 870,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 124,716,588,000 | 4 | $ 330,000 |
| Ruoff Mortgage Company 1700 MAGNAVOX WAY SUITE 220 FORT WAYNE, IN 46804 |
* | $ -1,000 | 4 | $ 560,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 4 | $ 560,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 3 | $ 1,015,000 |
| Amerifirst Financial Corporation 950 TRADE CENTRE WAY SUITE 400 KALAMAZOO, MI 49009 |
* | $ -1,000 | 3 | $ 495,000 |
| Longview Bank and Trust 202 W MADISON AVE CHRISMAN, IL 61924 |
* | $ 173,151,000 | 3 | $ 455,000 |
| Fifth Third Bank, National Association 38 FOUNTAIN SQUARE MD1090K1 CINCINNATI, OH 45263 |
* | $ 144,453,358,000 | 3 | $ 165,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 3 | $ 235,000 |
| Industrial Federal C. U. 1115 SAGAMORE PARKWAY SOUTH LAFAYETTE, IN 47905 |
* | $ 190,634,000 | 3 | $ 65,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 3 | $ 445,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 3 | $ 375,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 3 | $ 535,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 3 | $ 355,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ -1,000 | 3 | $ 275,000 |
| Vibrant Credit Union 1900 52ND AVE MOLINE, IL 61265 |
* | $ 713,437,000 | 3 | $ 415,000 |
| Citizens Bank, NA ONE CITIZENS PLAZA PROVIDENCE, RI 02903 |
* | $ 129,426,633,000 | 2 | $ 180,000 |
| First Financial Bank NA 1401 S. THIRD ST. TERRE HAUTE, IN 47802 |
* | $ 2,923,813,000 | 2 | $ 130,000 |
| Crosscountry Mortgage, LLC 2160 SUPERIOR AVENUE CLEVELAND, OH 44114 |
* | $ -1,000 | 2 | $ 370,000 |
| University Lending Group, LLC 42452 HAYES, STE I CLLINTON TOWNSHIP, MI 48038 |
* | $ -1,000 | 2 | $ 210,000 |
| Barrington Bank & Trust Company, N.A. 201 SOUTH HOUGH STREET BARRINGTON, IL 60010 |
* | $ 2,135,647,000 | 2 | $ 210,000 |
| Elements Financial Federal Cre 225 S EAST ST, SUITE 300 INDIANAPOLIS, IN 46202 |
* | $ 1,536,062,000 | 2 | $ 290,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ -1,000 | 2 | $ 150,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 170,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 459,476,604,000 | 2 | $ 80,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 190,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ -1,000 | 2 | $ 250,000 |
| The Farmers Bank 9 E CLINTON ST FRANKFORT, IN 46041 |
* | $ 562,795,000 | 2 | $ 420,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ -1,000 | 2 | $ 40,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 140,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 95,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 219,071,000,000 | 1 | $ 115,000 |
| Stockton Mortgage Corporation 88 C MICHAEL DAVENPORT BLVD. FRANKFORT, KY 40601 |
* | $ -1,000 | 1 | $ 55,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 108,015,112,000 | 1 | $ 55,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 96,962,446,000 | 1 | $ 245,000 |
| Academy Mortgage Corporation 339 WEST 13490 SOUTH SALT LAKE CITY, UT 84020 |
* | $ -1,000 | 1 | $ 105,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 105,000 |
| BMO Harris Bank NA 111 W. MONROE CHICAGO, IL 60606 |
* | $ 123,147,670,000 | 1 | $ 155,000 |
| Alliance Bank 101 W MONTGOMERY ST. FRANCESVILLE, IN 47946 |
* | $ 304,258,000 | 1 | $ 95,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ -1,000 | 1 | $ 135,000 |
| Residential Mortgage Services, Inc. 24 CHRISTOPHER TOPPI DRIVE SOUTH PORTLAND, ME 04106 |
* | $ -1,000 | 1 | $ 205,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ -1,000 | 1 | $ 105,000 |
| First National Bank of Pa 1 FNB BOULEVARD HERMITAGE, PA 16148 |
* | $ 33,026,384,000 | 1 | $ 205,000 |
| Village Capital & Investment 2460 PASEO VERDE PKWY SUITE 100 HENDERSON, NV 89074 |
* | $ -1,000 | 1 | $ 125,000 |
| Busey Bank 100 W UNIVERSITY AVE CHAMPAIGN, IL 61820 |
* | $ 7,690,612,000 | 1 | $ 265,000 |
| Winterwood Mortgage Group, LLC 107 N STATE ROAD 135, SUITE 301 GREENWOOD, IN 46142 |
* | $ -1,000 | 1 | $ 75,000 |
| Northpointe Bank 3333 DEPOSIT DRIVE NE GRAND RAPIDS, MI 49546 |
* | $ 1,279,654,000 | 1 | $ 85,000 |
| First Guaranty Mortgage Corporation 1900 GALLOWS ROAD, SUITE 800 TYSONS CORNER, VA 22182 |
* | $ -1,000 | 1 | $ 65,000 |
| Arc Home LLC MOORESTOWN, NJ 08057 |
* | $ -1,000 | 1 | $ 55,000 |
| The Money Source Inc. 135 MAXESS ROAD NEW YORK, NY 11747 |
* | $ -1,000 | 1 | $ 295,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 105,000 |
| Centier Bank 600 E 84TH AVENUE MERRILLVILLE, IN 46410 |
* | $ 4,426,972,000 | 1 | $ 25,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 185,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 135,000 |
| Network Capital Funding Corporation 7700 IRVINE CENTER DRIVE #300 IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 115,000 |
| American Mortgage Service Company 11503 SPRINGFIELD PIKE CINCINNATI, OH 45246 |
* | $ -1,000 | 1 | $ 135,000 |
| Everbank N.A. 501 RIVERSIDE AVENUE JACKSONVILLE, FL 32202 |
* | $ 36,899,806,000 | 1 | $ 75,000 |
| Heartland Bank & Trust Company 401 N HERSHEY RD BLOOMINGTON, IL 61704 |
* | $ 2,854,664,000 | 1 | $ 225,000 |
| Spring Eq, LLC 1 WEST ELM STREET SUITE 450 CONSHOHOCKEN, PA 19428 |
* | $ -1,000 | 1 | $ 25,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,933,790,000 | 1 | $ 65,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 5,133,339,000 | 1 | $ 125,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 85,000 |
| Wyndham Capital Mortgage, Inc. 6115 PARK SOUTH DRIVE, STE 200 RALEIGH, NC 28210 |
* | $ -1,000 | 1 | $ 295,000 |
| United Federal Credit Union 2807 SOUTH STATE ST ST. JOSEPH, MI 49085 |
* | $ 2,791,677,000 | 1 | $ 15,000 |
| One Reverse Mortgage, LLC 4445 EASTGATE MALL, SUITE 320 SAN DIEGO, CA 92121 |
* | $ -1,000 | 1 | $ 35,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,029,298,000 | 1 | $ 165,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 81,602,818,000 | 1 | $ 315,000 |
The tables below break down 2019 mortgage applications in Warren County, IN by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
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 | 127 | $16,735,000 | $131,000 | $435,000 | $65,000 | $260,000 |
| Refinancing | 92 | $9,410,000 | $102,000 | $355,000 | $75,000 | $261,000 |
| Cash-out Refinancing | 56 | $6,470,000 | $115,000 | $315,000 | $77,000 | $175,000 |
| Home Improvement | 39 | $1,865,000 | $47,000 | $155,000 | $59,000 | $166,000 |
| Other Purpose | 32 | $1,970,000 | $61,000 | $345,000 | $67,000 | $142,000 |
| Not Applicable | 2 | $370,000 | $185,000 | $295,000 | $191,000 | $191,000 |
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 | 278 | $28,240,000 | $101,000 | $355,000 | $70,000 | $261,000 |
| Not Provided | 41 | $5,355,000 | $130,000 | $435,000 | $75,000 | $260,000 |
| Not applicable | 23 | $2,645,000 | $115,000 | $205,000 | $44,000 | $55,000 |
| Hispanic | 5 | $545,000 | $109,000 | $195,000 | $58,000 | $73,000 |
| American Indian or Alaskan Native | 1 | $35,000 | $35,000 | $35,000 | $30,000 | $30,000 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 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) | 251 | $24,885,000 | $99,000 | $435,000 | $72,000 | $261,000 |
| FHA-insured (Federal Housing Administration) | 55 | $6,025,000 | $109,000 | $245,000 | $55,000 | $110,000 |
| VA-guaranteed (Veterans Administration) | 24 | $4,080,000 | $170,000 | $315,000 | $81,000 | $175,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 18 | $1,830,000 | $101,000 | $185,000 | $51,000 | $92,000 |
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 | 193 | $21,235,000 | $110,000 | $435,000 | $74,000 | $261,000 |
| Application Denied By Financial Institution | 75 | $6,395,000 | $85,000 | $305,000 | $63,000 | $209,000 |
| Application Withdrawn By Applicant | 34 | $4,120,000 | $121,000 | $355,000 | $69,000 | $144,000 |
| Loan Purchased By The Institution | 26 | $3,290,000 | $126,000 | $295,000 | $61,000 | $138,000 |
| File Closed For Incompleteness | 10 | $1,220,000 | $122,000 | $295,000 | $81,000 | $191,000 |
| Application Approved But Not Accepted | 10 | $560,000 | $56,000 | $125,000 | $45,000 | $133,000 |
| 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 | 241 | $26,485,000 | $109,000 | $435,000 | $71,000 | $261,000 |
| Debt-To-Income Ratio | 51 | $6,015,000 | $117,000 | $315,000 | $73,000 | $259,000 |
| Credit History | 21 | $1,385,000 | $65,000 | $165,000 | $59,000 | $209,000 |
| Collateral | 15 | $1,055,000 | $70,000 | $145,000 | $60,000 | $121,000 |
| Credit Application Incomplete | 11 | $1,225,000 | $111,000 | $295,000 | $59,000 | $81,000 |
| Other | 6 | $410,000 | $68,000 | $165,000 | $87,000 | $187,000 |
| Unverifiable Information | 1 | $105,000 | $105,000 | $105,000 | $58,000 | $58,000 |
| Employment History | 1 | $5,000 | $5,000 | $5,000 | $19,000 | $19,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $135,000 | $135,000 | $135,000 | $72,000 | $72,000 |
| 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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