Refinancing lenders in Carroll County
110 refinancing mortgages were made in Carroll County, Indiana, in 2025, by 47 lenders. The median rate their borrowers got was 6.250% on a median loan of $140,000. Of 150 decisions, 33 were denials — 22.0%, most often for debt-to-income ratio.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First Merchants Bank | 21 | 7.000% | $85,000 | 26.7% |
| Rocket Mortgage, LLC | 12 | 5.990% | $170,000 | 18.8% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 10 | 5.563% | $310,000 | 0.0% |
| Industrial Federal Credit Union | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Horizon Bank | 7 | Under 10 loans | Under 10 loans | 11.1% |
| PURDUE | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Regions Bank | 4 | Under 10 loans | Under 10 loans | 50.0% |
| Old National Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| FREEDOM MORTGAGE CORPORATION | 3 | Under 10 loans | Under 10 loans | 33.3% |
| NEWREZ LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| ROYAL UNITED MORTGAGE LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RUOFF MORTGAGE COMPANY, INC. | 2 | Under 10 loans | Under 10 loans | 33.3% |
| First Financial Bank | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Fifth Third Bank, National Association | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Encompass Federal Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | Under 10 loans | Under 10 loans | 33.3% |
| The Fountain Trust Company | 1 | Under 10 loans | Under 10 loans | 50.0% |
| Broker Solutions, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| TRADITIONAL MORTGAGE ACCEPTANCE CORPORATION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| MILEND, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PHH Mortgage Corporation | 1 | Under 10 loans | Under 10 loans | 50.0% |
| AMERIHOME MORTGAGE COMPANY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTH RIVER MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| SOFI BANK, NATIONAL ASSOCIATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GVC MORTGAGE, INC. | 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% |
| Loandepot.Com, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| ENDEAVOR CAPITAL, LLC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PLAZA HOME MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NATIONSTAR MORTGAGE LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| STOCKTON MORTGAGE CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Centier Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| JPMorgan Chase Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Citizens Bank, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Truist Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| 1st Source Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Mortgage Research Center, LLC | 0 | Under 10 loans | Under 10 loans | Not published |
| Nations Lending Corporation | 0 | Under 10 loans | Under 10 loans | 100.0% |
| PLANET HOME LENDING, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| OCEANSIDE MORTGAGE COMPANY | 0 | Under 10 loans | Under 10 loans | Not published |
| AMERICAN FINANCING CORPORATION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CMG MORTGAGE, INC. | 0 | Under 10 loans | Under 10 loans | Not published |
| FINANCIAL CENTER FIRST CREDIT UNION | 0 | Under 10 loans | Under 10 loans | 100.0% |
| LOWER, LLC | 0 | Under 10 loans | Under 10 loans | 100.0% |
| CITIZENS EQUITY FIRST | 0 | Under 10 loans | Under 10 loans | Not published |
| Discover Bank | 0 | Under 10 loans | Under 10 loans | 100.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.
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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. 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.