Refinancing lenders in Hamilton County
2,055 refinancing mortgages were made in Hamilton County, Indiana, in 2025, by 252 lenders. The median rate their borrowers got was 6.125% on a median loan of $315,000. Of 2,559 decisions, 389 were denials — 15.2%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 176 | 5.999% | $405,000 | 11.0% |
| Rocket Mortgage, LLC | 136 | 5.875% | $335,000 | 19.5% |
| Fifth Third Bank, National Association | 101 | 7.750% | $155,000 | 19.1% |
| The Huntington National Bank | 86 | 8.140% | $215,000 | 32.6% |
| PNC Bank, National Association | 75 | 7.830% | $155,000 | 17.6% |
| Union Savings Bank | 70 | 6.250% | $325,000 | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 66 | 6.125% | $395,000 | 2.3% |
| INDIANA MEMBERS CREDIT UNION | 64 | 5.875% | $175,000 | 11.0% |
| The National Bank of Indianapolis | 54 | Not published | $370,000 | 0.0% |
| Fairway Independent Mortgage Corporation | 53 | 6.125% | $425,000 | 0.0% |
| First Merchants Bank | 52 | 6.688% | $180,000 | 24.6% |
| Horizon Bank | 51 | 6.000% | $175,000 | 17.7% |
| JPMorgan Chase Bank, National Association | 47 | 6.125% | $365,000 | 3.9% |
| Old National Bank | 41 | 5.850% | $335,000 | 20.0% |
| MJW FINANCIAL LLC | 41 | 6.375% | $385,000 | 0.0% |
| NEWREZ LLC | 40 | 5.933% | $405,000 | 23.6% |
| UNION HOME MORTGAGE CORP. | 38 | 6.125% | $305,000 | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 37 | 5.875% | $335,000 | 10.9% |
| CROSSCOUNTRY MORTGAGE, INC. | 32 | 6.033% | $360,000 | 3.0% |
| GVC MORTGAGE, INC. | 28 | 6.375% | $390,000 | 0.0% |
| Regions Bank | 27 | 4.990% | $125,000 | 23.8% |
| GUARANTEED RATE, INC. | 26 | 5.990% | $360,000 | 3.7% |
| Lake City Bank | 23 | 7.750% | $125,000 | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 22 | 6.990% | $200,000 | 8.3% |
| RUOFF MORTGAGE COMPANY, INC. | 21 | 6.375% | $335,000 | 3.7% |
| FORUM | 18 | 6.125% | $285,000 | 10.0% |
| Bank of America, National Association | 18 | 5.490% | $315,000 | 25.0% |
| Loandepot.Com, LLC | 17 | 5.990% | $415,000 | 19.1% |
| GUILD MORTGAGE COMPANY | 16 | 6.558% | $375,000 | 0.0% |
| Centier Bank | 16 | 9.000% | $175,000 | 10.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 16 | 6.125% | $335,000 | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 15 | 6.125% | $365,000 | 69.2% |
| Citizens Bank, National Association | 15 | 7.150% | $325,000 | 20.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 15 | 6.000% | $355,000 | 6.3% |
| NATIONSTAR MORTGAGE LLC | 14 | 6.058% | $260,000 | 17.7% |
| ROYAL UNITED MORTGAGE LLC | 14 | 6.563% | $285,000 | 12.5% |
| The Farmers Bank, Frankfort, Indiana | 13 | Not published | $105,000 | 13.3% |
| U.S. Bank National Association | 13 | 6.625% | $305,000 | 7.1% |
| The State Bank and Trust Company | 12 | 5.875% | $285,000 | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 11 | 6.125% | $365,000 | 0.0% |
| EVERWISE CREDIT UNION | 11 | 7.000% | $1,785,000 | 15.4% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 11 | 5.750% | $495,000 | 13.3% |
| Mortgage Research Center, LLC | 10 | 5.875% | $425,000 | 44.4% |
| VILLAGE CAPITAL & INVESTMENT LLC | 10 | 5.990% | $360,000 | 0.0% |
| THE LOAN STORE, INC. | 10 | 6.990% | $220,000 | 9.1% |
| PLANET HOME LENDING, LLC | 10 | 5.750% | $395,000 | 16.7% |
| NBKC BANK | 9 | Under 10 loans | Under 10 loans | 10.0% |
| Stifel Bank and Trust | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 7 | Under 10 loans | Under 10 loans | 12.5% |
| KeyBank National Association | 7 | Under 10 loans | Under 10 loans | 56.3% |
| Discover Bank | 7 | Under 10 loans | Under 10 loans | 55.6% |
| VICTORY MORTGAGE, L.L.C. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Source Bank | 7 | Under 10 loans | Under 10 loans | 20.0% |
| FIRST COMMUNITY MORTGAGE, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Merchants Bank of Indiana | 7 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| LOWER, LLC | 6 | Under 10 loans | Under 10 loans | 14.3% |
| FLAT BRANCH MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 5 | Under 10 loans | Under 10 loans | 44.4% |
| FINANCIAL CENTER FIRST CREDIT UNION | 5 | Under 10 loans | Under 10 loans | 37.5% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NexBank | 5 | Under 10 loans | Under 10 loans | 16.7% |
| Valon Mortgage, Inc. | 5 | Under 10 loans | Under 10 loans | 28.6% |
| PHH Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Centra Credit Union | 5 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 20.0% |
| First Financial Bank | 4 | Under 10 loans | Under 10 loans | 44.4% |
| Prosperity Home Mortgage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Encompass Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| STAR Financial Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Filo Mortgage, L.L.C. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| LoanUnited.com, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 20.0% |
| Citizens State Bank of New Castle, Indiana | 3 | Under 10 loans | Under 10 loans | 25.0% |
| GUIDANCE RESIDENTIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 3 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Ixonia Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Farmers Bank & Trust Co. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| JLB CORPORATION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMESTEAD FUNDING CORP. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 25.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 20.0% |
| UIF CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| A&D Mortgage LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| RESICENTRAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank, National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Greenfield Banking Company | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| FINANCE OF AMERICA REVERSE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| SUN WEST MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INOVA | 2 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED HOME LOANS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ROUNDPOINT MORTGAGE SERVICING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The North Salem State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INDIANA UNIVERSITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Bank of New Glarus | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Charles Schwab Bank, SSB | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Busey Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Baxter Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Commerce Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Navy Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| MILESTONE HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Stock Yards Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STG MORTGAGE INC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Armed Forces Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Northpointe Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FOUNDATION MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900CTT87ZKAUTIJ37 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLDEN EMPIRE MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS CAPITAL CORP. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PURDUE | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Community First Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hearthside Bank Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Security Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sierra Pacific Mortgage Company, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Regional Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LEADERONE FINANCIAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| United Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFINITY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE ACCESS CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Guardian Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LUMENT REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| North American Savings Bank, F.S.B. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Bank SB | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Morton Community Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CRANE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JET DIRECT FUNDING CORP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LENDSURE MORTGAGE CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VAN DYK MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FCN Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CF Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First State Bank of Middlebury | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 984500FAD1FB7FEGTE82 | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CHAMPIONS FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Arvest Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Ameris Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 52 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.