Mortgage lenders in Monroe County
2,741 mortgages were made in Monroe County, Indiana, in 2025, by 258 lenders. The median rate their borrowers got was 6.625% on a median loan of $205,000. Of 3,457 decisions, 565 were denials — 16.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| INDIANA UNIVERSITY CREDIT UNION | 603 | 6.875% | $105,000 | 15.7% |
| RUOFF MORTGAGE COMPANY, INC. | 248 | 6.625% | $275,000 | 5.1% |
| CMG MORTGAGE, INC. | 154 | 6.875% | $265,000 | 1.2% |
| Old National Bank | 113 | 6.000% | $135,000 | 16.8% |
| Rocket Mortgage, LLC | 112 | 6.500% | $185,000 | 14.2% |
| The Peoples State Bank | 89 | Not published | $205,000 | 1.1% |
| German American Bank | 87 | 0.000% | $205,000 | 13.9% |
| Fifth Third Bank, National Association | 72 | 7.995% | $105,000 | 35.4% |
| JPMorgan Chase Bank, National Association | 63 | 6.490% | $225,000 | 4.4% |
| Jackson County Bank | 55 | 6.490% | $225,000 | 6.6% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 49 | 5.999% | $285,000 | 10.9% |
| FAIR WAY LENDING LLC | 46 | 6.625% | $230,000 | 0.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 45 | 6.250% | $215,000 | 8.2% |
| STOCKTON MORTGAGE CORPORATION | 41 | 6.875% | $225,000 | 0.0% |
| Regions Bank | 31 | 4.990% | $95,000 | 30.6% |
| FREEDOM MORTGAGE CORPORATION | 30 | 6.250% | $235,000 | 15.4% |
| Owen County State Bank | 29 | Not published | $265,000 | 10.8% |
| Navy Federal Credit Union | 28 | 6.375% | $275,000 | 17.7% |
| HOOSIER HILLS CREDIT UNION | 28 | 7.188% | $200,000 | 26.8% |
| Mortgage Research Center, LLC | 25 | 6.250% | $295,000 | 21.9% |
| INDIANA MEMBERS CREDIT UNION | 24 | 4.888% | $85,000 | 3.5% |
| Fairway Independent Mortgage Corporation | 24 | 6.490% | $230,000 | 0.0% |
| First Financial Bank | 23 | 5.990% | $135,000 | 17.9% |
| NEWREZ LLC | 21 | 6.500% | $235,000 | 15.4% |
| PENNYMAC LOAN SERVICES, LLC | 21 | 5.750% | $265,000 | 24.1% |
| Union Savings Bank | 21 | 6.875% | $225,000 | 0.0% |
| Farmers and Mechanics Federal Savings Bank | 20 | Not published | $200,000 | 11.1% |
| NATIONSTAR MORTGAGE LLC | 19 | 8.625% | $85,000 | 16.7% |
| FIGURE LENDING LLC | 18 | 10.350% | $50,000 | 20.5% |
| CRANE | 17 | 7.000% | $75,000 | 14.3% |
| GVC MORTGAGE, INC. | 16 | 6.875% | $210,000 | 0.0% |
| Loandepot.Com, LLC | 13 | 6.990% | $215,000 | 27.8% |
| Elements Financial Federal Credit Union | 13 | 6.375% | $295,000 | 7.1% |
| Luminate Bank | 12 | 7.057% | $215,000 | 0.0% |
| Baxter Credit Union | 12 | 5.750% | $200,000 | 6.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 12 | 6.875% | $380,000 | 0.0% |
| Northwest Bank | 12 | 6.438% | $145,000 | 7.7% |
| SOFI BANK, NATIONAL ASSOCIATION | 11 | 7.670% | $95,000 | 31.3% |
| TRIAD FINANCIAL SERVICES, INC. | 10 | 10.225% | $65,000 | 64.7% |
| USAA Federal Savings Bank | 10 | 6.500% | $355,000 | 33.3% |
| Citizens Bank, National Association | 10 | 7.138% | $155,000 | 41.2% |
| GoodLeap, LLC | 10 | 6.313% | $95,000 | 23.1% |
| Paramount Residential Mortgage Group, Inc. | 10 | 7.058% | $235,000 | 0.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 9 | Under 10 loans | Under 10 loans | 56.3% |
| Coastal Community Bank | 9 | Under 10 loans | Under 10 loans | 4.2% |
| The Huntington National Bank | 9 | Under 10 loans | Under 10 loans | 43.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| UNION HOME MORTGAGE CORP. | 9 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 8 | Under 10 loans | Under 10 loans | 57.9% |
| BETTER MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 27.3% |
| Bank of America, National Association | 8 | Under 10 loans | Under 10 loans | 33.3% |
| Lendage, LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| GREENSTATE Credit Union | 7 | Under 10 loans | Under 10 loans | 42.9% |
| MILESTONE HOME LENDING, LLC | 7 | Under 10 loans | Under 10 loans | 30.0% |
| NEW DAY FINANCIAL, LLC | 7 | Under 10 loans | Under 10 loans | 22.2% |
| AMWEST FUNDING CORP. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Centra Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 76.0% |
| Broker Solutions, Inc. | 6 | Under 10 loans | Under 10 loans | 25.0% |
| PNC Bank, National Association | 6 | Under 10 loans | Under 10 loans | 40.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 6 | Under 10 loans | Under 10 loans | 12.5% |
| THE LOAN STORE, INC. | 6 | Under 10 loans | Under 10 loans | 20.0% |
| First Financial Bank, National Association | 6 | Under 10 loans | Under 10 loans | 33.3% |
| FIRST COMMUNITY MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| Kiavi Funding, Inc. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGE MASTERS OF INDIANA, INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 76.2% |
| U.S. Bank National Association | 5 | Under 10 loans | Under 10 loans | 40.0% |
| Northpointe Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 5 | Under 10 loans | Under 10 loans | 16.7% |
| GUILD MORTGAGE COMPANY | 5 | Under 10 loans | Under 10 loans | 16.7% |
| AMERICAN FINANCIAL RESOURCES, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| First Merchants Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| FORUM | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Home Bank SB | 4 | Under 10 loans | Under 10 loans | 20.0% |
| AMERICAN HERITAGE LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 20.0% |
| TOP FLITE FINANCIAL, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CHARTWELL FINANCIAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Liberty | 3 | Under 10 loans | Under 10 loans | 40.0% |
| MJW FINANCIAL LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| First Federal Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flanagan State Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Source Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Morgan Stanley Private Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| DIRECT MORTGAGE LOANS, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Greenfield Banking Company | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| STAR Financial Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 2 | Under 10 loans | Under 10 loans | 91.7% |
| MOVEMENT MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BMO Bank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Plains Commerce Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| ROYAL UNITED MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| First National Bank of America | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENTAGON FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CONSUMER REAL ESTATE FINANCE CO. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Farmers Bank & Trust Co. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Mid Bank & Trust, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| KeyBank National Association | 2 | Under 10 loans | Under 10 loans | 33.3% |
| PHH Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 0.0% |
| General Mortgage Capital Corporation | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MICHIGAN STATE UNIVERSITY Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Armed Forces Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| MERCHANTS CAPITAL CORP. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Ally Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Hometown Savings Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Civista Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Option Mortgage, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PURDUE | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Merchants Bank of Indiana | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONWIDE LIFE INSURANCE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAKEVIEW LOAN SERVICING, LLC | 1 | Under 10 loans | Under 10 loans | 60.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 66.7% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| Stock Yards Bank & Trust Company | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KIND LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lake City Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citibank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GO MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 254900M2C4Q6DATP2889 | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| DATA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERITRUST MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Home Loans, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN INTERNET MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The National Bank of Indianapolis | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ALLIANT CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Three Rivers Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 50.0% |
| SUCCESS LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NQM FUNDING, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SmartFi Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| American Community Bank of Indiana | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 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% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MORTGAGEONE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ZILLOW HOME LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FIRST COLONY MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Simple, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMMUNITY BANC MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROFED CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Pinnacle Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEXERA HOLDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OriginPoint, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CLEAREDGE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| University Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| THE MORTGAGE LINK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farmers Bank & Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Dieterich Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Campbell & Fetter Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mutual Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| CALCON MUTUAL MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Hickory Point Bank and Trust | 1 | Under 10 loans | Under 10 loans | 0.0% |
| V.I.P. MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| UNITED FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUIDANCE RESIDENTIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INOVA | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Alliance Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bison State Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| BoxCar Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| The Central Trust 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 58 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Monroe County
35 FDIC-insured branches from 14 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| Old National Bank | 5 | $842.3 million |
| The Peoples State Bank | 5 | $269.7 million |
| JPMorgan Chase Bank, National Association | 4 | $950.5 million |
| German American Bank | 3 | $363.4 million |
| Fifth Third Bank, National Association | 3 | $275.1 million |
| Regions Bank | 3 | $97.5 million |
| Jackson County Bank | 3 | $29.7 million |
| First Financial Bank | 2 | $459.0 million |
| Owen County State Bank | 2 | $65.0 million |
| Merchants Bank of Indiana | 1 | $45.1 million |
| Union Savings Bank | 1 | $41.1 million |
| Northwest Bank | 1 | $30.4 million |
| Farmers and Mechanics Federal Savings Bank | 1 | $17.5 million |
| Woodforest National Bank | 1 | $2.1 million |
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When the next year’s lending figures are out for Monroe County, or a lender arrives or leaves.
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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.