Indiana · HMDA 2025
Mortgage lenders in Jay County, IN
95 lenders reported 713 home-loan applications in Jay County in 2025. 400 closed as loans ($43.3M), 129 were denied — a 23.6% denial rate on decided applications, above the Indiana rate of 19.9%. The three most active lenders handled 32% of applications, led by First Bank of Berne. 13 lenders in the list are banks or credit unions with a TellerScore profile.
- Applications
- 713
- Loans originated
- 400
- Purchase / refinance
- 181 / 133
- 30-yr rate (national)
- 7.40%week of Oct 15, 2026
Lenders ranked by applications in Jay County
| # | Lender | Applications here | Share | Nationwide denial rate |
|---|---|---|---|---|
| 1 | First Bank of Berne 73 out of 100, Strong | 92 | 12.9% | 9.9% |
| 2 | First Merchants Bank 58 out of 100, Moderate | 85 | 11.9% | 19.8% |
| 3 | First Financial Bank 68 out of 100, Moderate | 51 | 7.2% | 24.9% |
| 4 | The Farmers & Merchants State Bank | 41 | 5.8% | — |
| 5 | Zippy Loans, LLC | 39 | 5.5% | — |
| 6 | NEWREZ LLC | 26 | 3.6% | — |
| 7 | CROSSCOUNTRY MORTGAGE, INC. | 21 | 2.9% | — |
| 8 | Rocket Mortgage, LLC | 21 | 2.9% | — |
| 9 | RUOFF MORTGAGE COMPANY, INC. | 21 | 2.9% | — |
| 10 | Broker Solutions, Inc. | 15 | 2.1% | — |
| 11 | Mortgage Research Center, LLC | 14 | 2.0% | — |
| 12 | CARRINGTON MORTGAGE SERVICES, LLC | 13 | 1.8% | — |
| 13 | Three Rivers Federal Credit Union 78 out of 100, Strong | 13 | 1.8% | 16.3% |
| 14 | The Farmers State Bank 75 out of 100, Strong | 13 | 1.8% | 4.9% |
| 15 | Fairway Independent Mortgage Corporation | 12 | 1.7% | — |
| 16 | 21st Mortgage Corporation | 10 | 1.4% | — |
| 17 | NATIONSTAR MORTGAGE LLC | 10 | 1.4% | — |
| 18 | AmeriSave Mortgage Corporation | 9 | 1.3% | — |
| 19 | GVC MORTGAGE, INC. | 9 | 1.3% | — |
| 20 | Northwest Bank 66 out of 100, Moderate | 8 | 1.1% | 20.6% |
| 21 | U.S. Bank National Association 55 out of 100, Moderate | 7 | 1.0% | 39.5% |
| 22 | Fifth Third Bank, National Association 62 out of 100, Moderate | 7 | 1.0% | 34.0% |
| 23 | The Huntington National Bank 59 out of 100, Moderate | 6 | 0.8% | 31.6% |
| 24 | JPMorgan Chase Bank, National Association 61 out of 100, Moderate | 6 | 0.8% | 14.1% |
| 25 | UNITED SHORE FINANCIAL SERVICES, LLC | 6 | 0.8% | — |
| 26 | PENNYMAC LOAN SERVICES, LLC | 6 | 0.8% | — |
| 27 | AMERIHOME MORTGAGE COMPANY, LLC | 6 | 0.8% | — |
| 28 | PLANET HOME LENDING, LLC | 6 | 0.8% | — |
| 29 | FREEDOM MORTGAGE CORPORATION | 6 | 0.8% | — |
| 30 | Loandepot.Com, LLC | 5 | 0.7% | — |
| 31 | Discover Bank | 5 | 0.7% | — |
| 32 | The Park National Bank 72 out of 100, Strong | 5 | 0.7% | 19.0% |
| 33 | Citizens State Bank of New Castle, Indiana 70 out of 100, Strong | 5 | 0.7% | 20.7% |
| 34 | Coastal Community Bank 35 out of 100, Low | 5 | 0.7% | 3.0% |
| 35 | GUARANTEED RATE, INC. | 4 | 0.6% | — |
| 36 | POLARIS HOME FUNDING CORP. | 4 | 0.6% | — |
| 37 | Farm Credit Mid-America | 4 | 0.6% | — |
| 38 | STOCKTON MORTGAGE CORPORATION | 4 | 0.6% | — |
| 39 | ROYAL UNITED MORTGAGE LLC | 4 | 0.6% | — |
| 40 | GoodLeap, LLC | 4 | 0.6% | — |
Top 40 of 95 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