Indiana · HMDA 2025
Mortgage lenders in Howard County, IN
259 lenders reported 4,578 home-loan applications in Howard County in 2025. 2,430 closed as loans ($407.1M), 730 were denied — a 22.0% denial rate on decided applications, above the Indiana rate of 19.9%. The three most active lenders handled 15% of applications, led by First Farmers Bank & Trust Co.. 17 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 4,578
- Loans originated
- 2,430
- Purchase / refinance
- 1,313 / 663
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Howard County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First Farmers Bank & Trust Co. 67 out of 100, Moderate | 253 | 5.5% | 17.6% |
| 2 | SOLIDARITY COMMUNITY Federal Credit Union 76 out of 100, Strong | 239 | 5.2% | 22.8% |
| 3 | RUOFF MORTGAGE COMPANY, INC. | 208 | 4.5% | — |
| 4 | Rocket Mortgage, LLC | 192 | 4.2% | — |
| 5 | PENNYMAC LOAN SERVICES, LLC | 178 | 3.9% | — |
| 6 | PLAZA HOME MORTGAGE, INC. | 162 | 3.5% | — |
| 7 | GVC MORTGAGE, INC. | 137 | 3.0% | — |
| 8 | Mortgage Research Center, LLC | 119 | 2.6% | — |
| 9 | MJW FINANCIAL LLC | 116 | 2.5% | — |
| 10 | FREEDOM MORTGAGE CORPORATION | 115 | 2.5% | — |
| 11 | BMO Bank National Association 83 out of 100, Strong | 114 | 2.5% | 40.5% |
| 12 | Community First Bank of Indiana 55 out of 100, Moderate | 108 | 2.4% | 10.2% |
| 13 | AMERIHOME MORTGAGE COMPANY, LLC | 97 | 2.1% | — |
| 14 | STAR Financial Bank 68 out of 100, Moderate | 96 | 2.1% | 30.3% |
| 15 | Zippy Loans, LLC | 94 | 2.1% | — |
| 16 | NEWREZ LLC | 93 | 2.0% | — |
| 17 | PNC Bank, National Association 62 out of 100, Moderate | 93 | 2.0% | 33.8% |
| 18 | The Huntington National Bank 59 out of 100, Moderate | 89 | 1.9% | 31.6% |
| 19 | U.S. Bank National Association 55 out of 100, Moderate | 82 | 1.8% | 39.5% |
| 20 | Luminate Bank 47 out of 100, Below average | 82 | 1.8% | 4.3% |
| 21 | VANDERBILT MORTGAGE AND FINANCE, INC. | 77 | 1.7% | — |
| 22 | UNITED SHORE FINANCIAL SERVICES, LLC | 73 | 1.6% | — |
| 23 | FINANCIAL BUILDERS Federal Credit Union 75 out of 100, Strong | 71 | 1.6% | 0.0% |
| 24 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 69 | 1.5% | 14.1% |
| 25 | KeyBank National Association 63 out of 100, Moderate | 67 | 1.5% | 32.8% |
| 26 | NATIONSTAR MORTGAGE LLC | 66 | 1.4% | — |
| 27 | Loandepot.Com, LLC | 57 | 1.2% | — |
| 28 | Broker Solutions, Inc. | 50 | 1.1% | — |
| 29 | PLANET HOME LENDING, LLC | 49 | 1.1% | — |
| 30 | Horizon Bank 72 out of 100, Strong | 46 | 1.0% | 22.7% |
| 31 | GoodLeap, LLC | 43 | 0.9% | — |
| 32 | AmeriSave Mortgage Corporation | 40 | 0.9% | — |
| 33 | Fifth Third Bank, National Association 62 out of 100, Moderate | 38 | 0.8% | 34.0% |
| 34 | Security Federal Savings Bank 68 out of 100, Moderate | 30 | 0.7% | 7.5% |
| 35 | FIGURE LENDING LLC | 30 | 0.7% | — |
| 36 | CARRINGTON MORTGAGE SERVICES, LLC | 29 | 0.6% | — |
| 37 | Regions Bank 64 out of 100, Moderate | 28 | 0.6% | 43.1% |
| 38 | NEW DAY FINANCIAL, LLC | 27 | 0.6% | — |
| 39 | Navy Federal Credit Union 66 out of 100, Moderate | 25 | 0.5% | 32.9% |
| 40 | CROSSCOUNTRY MORTGAGE, INC. | 24 | 0.5% | — |
Top 40 of 259 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