Mortgage lenders in Whitley County
996 mortgages were made in Whitley County, Indiana, in 2025, by 147 lenders. The median rate their borrowers got was 6.750% on a median loan of $155,000. Of 1,281 decisions, 221 were denials — 17.3%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Three Rivers Federal Credit Union | 123 | 7.125% | $125,000 | 11.8% |
| RUOFF MORTGAGE COMPANY, INC. | 95 | 6.625% | $185,000 | 5.5% |
| STAR Financial Bank | 51 | 5.875% | $75,000 | 12.5% |
| Lake City Bank | 47 | 7.750% | $85,000 | 16.1% |
| MidWest America Federal Credit Union | 45 | 6.490% | $55,000 | 6.0% |
| PROFED CREDIT UNION | 40 | 7.250% | $85,000 | 30.7% |
| GVC MORTGAGE, INC. | 40 | 6.625% | $225,000 | 2.4% |
| Rocket Mortgage, LLC | 39 | 6.625% | $135,000 | 23.5% |
| Fifth Third Bank, National Association | 32 | 6.875% | $180,000 | 23.8% |
| JPMorgan Chase Bank, National Association | 25 | 6.625% | $175,000 | 16.1% |
| 1st Source Bank | 25 | 7.625% | $65,000 | 14.3% |
| Fairway Independent Mortgage Corporation | 23 | 6.625% | $155,000 | 0.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 22 | 6.125% | $210,000 | 14.8% |
| Horizon Bank | 21 | 6.000% | $55,000 | 23.3% |
| FORT FINANCIAL Federal Credit Union | 16 | 7.740% | $55,000 | 5.9% |
| Crossroads Bank | 16 | Not published | $160,000 | 0.0% |
| EVERWISE CREDIT UNION | 15 | 7.000% | $75,000 | 6.3% |
| PNC Bank, National Association | 12 | 7.720% | $65,000 | 42.9% |
| PENNYMAC LOAN SERVICES, LLC | 12 | 5.933% | $235,000 | 7.7% |
| Union Savings Bank | 12 | 6.313% | $230,000 | 14.3% |
| FREEDOM MORTGAGE CORPORATION | 10 | 6.250% | $180,000 | 18.8% |
| CARRINGTON MORTGAGE SERVICES, LLC | 10 | 7.250% | $95,000 | 56.5% |
| V.I.P. MORTGAGE, INC. | 10 | 6.750% | $285,000 | 0.0% |
| UNION HOME MORTGAGE CORP. | 10 | 6.688% | $225,000 | 0.0% |
| Farm Credit Mid-America | 9 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 9 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 8 | Under 10 loans | Under 10 loans | 0.0% |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | 8 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 7 | Under 10 loans | Under 10 loans | 46.2% |
| PARTNERS 1ST Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 12.5% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 7 | Under 10 loans | Under 10 loans | 11.1% |
| VAN DYK MORTGAGE CORPORATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Loandepot.Com, LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| Navy Federal Credit Union | 6 | Under 10 loans | Under 10 loans | 25.0% |
| Old National Bank | 6 | Under 10 loans | Under 10 loans | 25.0% |
| AmeriSave Mortgage Corporation | 5 | Under 10 loans | Under 10 loans | 50.0% |
| First Merchants Bank | 5 | Under 10 loans | Under 10 loans | 44.4% |
| POLARIS HOME FUNDING CORP. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Savings Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| NEWREZ LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 4 | Under 10 loans | Under 10 loans | 42.9% |
| GoodLeap, LLC | 4 | Under 10 loans | Under 10 loans | 28.6% |
| GENEVA FINANCIAL, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| POINT MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| LOWER, LLC | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SPRING EQ, LLC | 3 | Under 10 loans | Under 10 loans | 62.5% |
| The Garrett State Bank | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| BETTER MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 25.0% |
| The Huntington National Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 80.0% |
| Coastal Community Bank | 2 | Under 10 loans | Under 10 loans | 16.7% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 2 | Under 10 loans | Under 10 loans | 33.3% |
| The Farmers & Merchants State Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| ZILLOW HOME LOANS, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| CMG MORTGAGE, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| EVERETT FINANCIAL, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wells Fargo Bank, National Association | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Kiavi Funding, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Fire Police City County Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ENVOY MORTGAGE, LTD | 2 | Under 10 loans | Under 10 loans | 0.0% |
| BEACON CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| FARMERS INSURANCE GROUP FEDERAL CREDIT UNION | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Campbell & Fetter Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Farmers Bank & Trust Co. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 33.3% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| FIGURE LENDING LLC | 1 | Under 10 loans | Under 10 loans | 42.9% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | Under 10 loans | Under 10 loans | 75.0% |
| Discover Bank | 1 | Under 10 loans | Under 10 loans | 80.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NEW DAY FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Loan Funder LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 1 | Under 10 loans | Under 10 loans | 50.0% |
| INTERRA CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Prosperity Home Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| CHURCHILL MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| INDIANA MEMBERS CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Empeople Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Lendage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Tomo Mortgage, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Paramount Residential Mortgage Group, Inc. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCEANSIDE MORTGAGE COMPANY | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 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% |
| Equity Prime Mortgage LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Bethpage Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| FLAT BRANCH MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LONGBRIDGE FINANCIAL, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Elements Financial Federal Credit Union | 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% |
| 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% |
| ROYAL UNITED MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| LAKE MICHIGAN CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| KeyBank National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | 0 | Under 10 loans | Under 10 loans | 50.0% |
| GUARANTEED RATE, INC. | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PENTAGON FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | Not published |
| LAKEVIEW LOAN SERVICING, LLC | 0 | Under 10 loans | Under 10 loans | 50.0% |
| MILEND, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| GREENSTATE Credit Union | 0 | Under 10 loans | Under 10 loans | 50.0% |
| PHH Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Axos Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USALLIANCE FEDERAL CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| LOANFLIGHT LENDING, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 0 | Under 10 loans | Under 10 loans | 0.0% |
| TOP FLITE FINANCIAL, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Commerce Home Mortgage, Inc. | 0 | Under 10 loans | Under 10 loans | Not published |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCIAL NETWORK, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| GUILD MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| The Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| Waterstone Mortgage Corporation | 0 | Under 10 loans | Under 10 loans | Not published |
| Bison State Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| U.S. Bank National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Bank of America, National Association | 0 | Under 10 loans | Under 10 loans | 100.0% |
| USAA Federal Savings Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| Regions Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
| SUPERIOR FINANCIAL SOLUTIONS, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Guardian Savings Bank | 0 | Under 10 loans | Under 10 loans | Not published |
| PLAZA HOME MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| Truist Bank | 0 | Under 10 loans | Under 10 loans | Not published |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
Bank branches in Whitley County
10 FDIC-insured branches from 7 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| STAR Financial Bank | 3 | $279.4 million |
| Crossroads Bank | 2 | $101.2 million |
| JPMorgan Chase Bank, National Association | 1 | $112.6 million |
| Lake City Bank | 1 | $91.0 million |
| Farmers and Merchants Bank | 1 | $76.3 million |
| Horizon Bank | 1 | $37.0 million |
| 1st Source Bank | 1 | $21.4 million |
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When the next year’s lending figures are out for Whitley 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.