Mortgage lenders in Howard County
2,430 mortgages were made in Howard County, Indiana, in 2025, by 263 lenders. The median rate their borrowers got was 6.875% on a median loan of $135,000. Of 3,318 decisions, 730 were denials — 22.0%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First Farmers Bank & Trust Co. | 169 | 7.125% | $105,000 | 17.0% |
| RUOFF MORTGAGE COMPANY, INC. | 166 | 6.875% | $145,000 | 1.6% |
| SOLIDARITY COMMUNITY Federal Credit Union | 149 | 7.500% | $75,000 | 23.1% |
| Rocket Mortgage, LLC | 137 | 6.875% | $135,000 | 21.3% |
| PLAZA HOME MORTGAGE, INC. | 123 | 6.500% | $155,000 | 18.5% |
| GVC MORTGAGE, INC. | 113 | 6.750% | $165,000 | 2.6% |
| Community First Bank of Indiana | 85 | 6.875% | $135,000 | 10.4% |
| MJW FINANCIAL LLC | 80 | 6.750% | $175,000 | 3.6% |
| FINANCIAL BUILDERS Federal Credit Union | 71 | 7.750% | $45,000 | 0.0% |
| BMO Bank National Association | 63 | 8.230% | $105,000 | 29.3% |
| Luminate Bank | 63 | 6.990% | $165,000 | 1.6% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 62 | 5.625% | $285,000 | 3.1% |
| Mortgage Research Center, LLC | 61 | 6.250% | $225,000 | 33.0% |
| STAR Financial Bank | 56 | 6.313% | $85,000 | 32.6% |
| The Huntington National Bank | 52 | 6.875% | $150,000 | 14.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 51 | 6.125% | $175,000 | 23.5% |
| FREEDOM MORTGAGE CORPORATION | 44 | 6.313% | $195,000 | 22.7% |
| PNC Bank, National Association | 42 | 7.710% | $85,000 | 38.4% |
| KeyBank National Association | 39 | 6.625% | $105,000 | 30.5% |
| Zippy Loans, LLC | 32 | 8.000% | $20,000 | 50.7% |
| Loandepot.Com, LLC | 27 | 6.875% | $105,000 | 44.0% |
| Horizon Bank | 26 | 6.000% | $75,000 | 33.3% |
| Security Federal Savings Bank | 26 | 7.375% | $85,000 | 7.1% |
| PENNYMAC LOAN SERVICES, LLC | 23 | 5.990% | $175,000 | 13.3% |
| NATIONSTAR MORTGAGE LLC | 21 | 7.490% | $125,000 | 15.4% |
| Fairway Independent Mortgage Corporation | 20 | 6.875% | $135,000 | 13.0% |
| NEWREZ LLC | 19 | 6.250% | $195,000 | 32.1% |
| GoodLeap, LLC | 17 | 6.375% | $95,000 | 29.7% |
| FLAT BRANCH MORTGAGE, INC. | 17 | 6.750% | $175,000 | 10.5% |
| Broker Solutions, Inc. | 14 | 6.750% | $130,000 | 22.2% |
| CROSSCOUNTRY MORTGAGE, INC. | 13 | 6.250% | $195,000 | 0.0% |
| GUILD MORTGAGE COMPANY | 13 | 6.250% | $155,000 | 11.8% |
| Fifth Third Bank, National Association | 11 | 8.240% | $65,000 | 55.2% |
| Regions Bank | 11 | 6.500% | $155,000 | 48.0% |
| FIGURE LENDING LLC | 11 | 12.000% | $55,000 | 44.0% |
| First Financial Bank | 11 | 6.000% | $125,000 | 20.0% |
| First Merchants Bank | 11 | 6.625% | $135,000 | 26.7% |
| UNION HOME MORTGAGE CORP. | 11 | 6.625% | $185,000 | 7.7% |
| AmeriSave Mortgage Corporation | 10 | 6.438% | $135,000 | 66.7% |
| Navy Federal Credit Union | 10 | 7.438% | $125,000 | 44.4% |
| FINANCIAL CENTER FIRST CREDIT UNION | 10 | 6.250% | $45,000 | 38.9% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| BEACON CREDIT UNION | 9 | Under 10 loans | Under 10 loans | 10.0% |
| JPMorgan Chase Bank, National Association | 8 | Under 10 loans | Under 10 loans | 38.5% |
| GUARANTEED RATE, INC. | 8 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| The Farmers Bank, Frankfort, Indiana | 8 | Under 10 loans | Under 10 loans | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 7 | Under 10 loans | Under 10 loans | 70.4% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 20.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 20.0% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FORUM | 7 | Under 10 loans | Under 10 loans | 12.5% |
| AMERICAN HERITAGE LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MEMBER FIRST MORTGAGE, LLC | 6 | Under 10 loans | Under 10 loans | 36.4% |
| SOFI BANK, NATIONAL ASSOCIATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ZILLOW HOME LOANS, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 12.5% |
| HOMEXPRESS MORTGAGE CORP. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| BPL MORTGAGE TRUST, LLC | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Encompass Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 14.3% |
| NEW DAY FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 68.8% |
| Coastal Community Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| GENEVA FINANCIAL, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 5 | Under 10 loans | Under 10 loans | 0.0% |
| PURDUE | 5 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 66.7% |
| SPRING EQ, LLC | 4 | Under 10 loans | Under 10 loans | 66.7% |
| U.S. Bank National Association | 4 | Under 10 loans | Under 10 loans | 71.4% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 33.3% |
| The Fountain Trust Company | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| INDIANA MEMBERS CREDIT UNION | 4 | Under 10 loans | Under 10 loans | 16.7% |
| CHAMPIONS FUNDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PHH Mortgage Corporation | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Kiavi Funding, Inc. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 40.0% |
| The Federal Savings Bank | 3 | Under 10 loans | Under 10 loans | 20.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 3 | Under 10 loans | Under 10 loans | 50.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Equity Prime Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Luminate Home Loans, Inc. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Citizens Bank, National Association | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Option Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Centier Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Northwest Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| EMM LOANS LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 80.0% |
| Bank of America, National Association | 2 | Under 10 loans | Under 10 loans | 77.8% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 62.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Park Lane Finance Solutions, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Flagstar Bank, N.A. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| 254900CTT87ZKAUTIJ37 | 2 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Old National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| INDIANA UNIVERSITY CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Mid-Continent Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMWEST FUNDING CORP. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| USALLIANCE FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| American Mortgage Bank, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FAIR WAY LENDING LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EUSTIS MORTGAGE CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Peoples State Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Bank of Berne | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Crossroads Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERWISE CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ixonia Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 81.8% |
| LENDINGONE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 57.1% |
| DOMINION FINANCIAL SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JLB CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CONSUMER REAL ESTATE FINANCE CO. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| 21st Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 66.7% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| POLARIS HOME FUNDING CORP. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Servion, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEARPATH LENDING | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Waterstone Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Valon Mortgage, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Lake City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| The State Bank and Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Prairie State Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| M&T REALTY CAPITAL CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Directions Credit Union, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MidFirst Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Sturgis Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITYAMERICA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MASTERS OF INDIANA, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE FIRM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centra Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AFFORDABLE MORTGAGE ADVISORS, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Industrial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Central Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NOVA FINANCIAL & INVESTMENT CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Plains Commerce Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| VICTORY MORTGAGE, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BLACK HILLS FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIED MORTGAGE GROUP, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CRANE | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NBH Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WINTERWOOD MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 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 63 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Howard County
20 FDIC-insured branches from 8 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| First Farmers Bank & Trust Co. | 6 | $622.1 million |
| BMO Bank National Association | 4 | $254.3 million |
| Community First Bank of Indiana | 3 | $660.1 million |
| STAR Financial Bank | 2 | $51.9 million |
| Security Federal Savings Bank | 2 | $29.4 million |
| KeyBank National Association | 1 | $178.5 million |
| PNC Bank, National Association | 1 | $146.5 million |
| Horizon Bank | 1 | $55.3 million |
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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. Branches and deposits come from the FDIC Summary of Deposits as of 30 June 2026, and bank balance sheets from the FDIC institutions directory. 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.