Indiana · HMDA 2025
Mortgage lenders in Adams County, IN
112 lenders reported 1,433 home-loan applications in Adams County in 2025. 950 closed as loans ($143.9M), 165 were denied — a 14.3% denial rate on decided applications, below the Indiana rate of 19.9%. The three most active lenders handled 42% of applications, led by The Farmers & Merchants State Bank. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 1,433
- Loans originated
- 950
- Purchase / refinance
- 333 / 338
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Adams County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | The Farmers & Merchants State Bank | 291 | 20.3% | — |
| 2 | First Bank of Berne 73 out of 100, Strong | 218 | 15.2% | 9.9% |
| 3 | First Merchants Bank 58 out of 100, Moderate | 86 | 6.0% | 19.8% |
| 4 | RUOFF MORTGAGE COMPANY, INC. | 82 | 5.7% | — |
| 5 | MidWest America Federal Credit Union 79 out of 100, Strong | 77 | 5.4% | 9.2% |
| 6 | Fifth Third Bank, National Association 62 out of 100, Moderate | 71 | 5.0% | 34.0% |
| 7 | PROFED CREDIT UNION | 61 | 4.3% | — |
| 8 | Three Rivers Federal Credit Union 78 out of 100, Strong | 58 | 4.0% | 16.3% |
| 9 | PENNYMAC LOAN SERVICES, LLC | 32 | 2.2% | — |
| 10 | Rocket Mortgage, LLC | 28 | 2.0% | — |
| 11 | Flagstar Bank, N.A. 31 out of 100, Low | 20 | 1.4% | 35.1% |
| 12 | NEWREZ LLC | 18 | 1.3% | — |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 16 | 1.1% | — |
| 14 | GVC MORTGAGE, INC. | 16 | 1.1% | — |
| 15 | FREEDOM MORTGAGE CORPORATION | 16 | 1.1% | — |
| 16 | STOCKTON MORTGAGE CORPORATION | 15 | 1.0% | — |
| 17 | CARRINGTON MORTGAGE SERVICES, LLC | 15 | 1.0% | — |
| 18 | Fairway Independent Mortgage Corporation | 14 | 1.0% | — |
| 19 | Mortgage Research Center, LLC | 14 | 1.0% | — |
| 20 | UNITED SHORE FINANCIAL SERVICES, LLC | 13 | 0.9% | — |
| 21 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 12 | 0.8% | 14.1% |
| 22 | FIGURE LENDING LLC | 11 | 0.8% | — |
| 23 | NATIONSTAR MORTGAGE LLC | 10 | 0.7% | — |
| 24 | AmeriSave Mortgage Corporation | 9 | 0.6% | — |
| 25 | PLANET HOME LENDING, LLC | 9 | 0.6% | — |
| 26 | POLARIS HOME FUNDING CORP. | 8 | 0.6% | — |
| 27 | LOWER, LLC | 8 | 0.6% | — |
| 28 | PNC Bank, National Association 62 out of 100, Moderate | 7 | 0.5% | 33.8% |
| 29 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 0.5% | 39.5% |
| 30 | Farm Credit Mid-America | 7 | 0.5% | — |
| 31 | USAA Federal Savings Bank 64 out of 100, Moderate | 7 | 0.5% | 37.2% |
| 32 | Loandepot.Com, LLC | 6 | 0.4% | — |
| 33 | UNION HOME MORTGAGE CORP. | 6 | 0.4% | — |
| 34 | ROYAL UNITED MORTGAGE LLC | 6 | 0.4% | — |
| 35 | First Financial Bank 68 out of 100, Moderate | 6 | 0.4% | 24.9% |
| 36 | Discover Bank | 5 | 0.3% | — |
| 37 | SPRING EQ, LLC | 5 | 0.3% | — |
| 38 | SOFI BANK, NATIONAL ASSOCIATION | 5 | 0.3% | — |
| 39 | Union Savings Bank 74 out of 100, Strong | 5 | 0.3% | 5.3% |
| 40 | EVERWISE CREDIT UNION 56 out of 100, Moderate | 5 | 0.3% | 22.2% |
Top 40 of 112 lenders shown. Denial rates are each lender's nationwide figure for 2025, available for banks and credit unions we profile.
Other counties in Indiana
- Marion County 43,393 apps
- Lake County 23,367 apps
- Hamilton County 21,889 apps
- Allen County 18,568 apps
- St. Joseph County 11,692 apps
- Hendricks County 11,156 apps
- Johnson County 10,704 apps
- Porter County 8,580 apps
- Elkhart County 8,478 apps
- Vanderburgh County 7,769 apps
- Clark County 7,290 apps
- Tippecanoe County 7,116 apps