Mortgage lenders in Madison County
3,599 mortgages were made in Madison County, Indiana, in 2025, by 290 lenders. The median rate their borrowers got was 6.750% on a median loan of $135,000. Of 4,922 decisions, 1,115 were denials — 22.7%, most often for credit history.
| Lender | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| First Merchants Bank | 235 | 6.750% | $95,000 | 27.1% |
| PNC Bank, National Association | 226 | 6.063% | $65,000 | 26.0% |
| Rocket Mortgage, LLC | 215 | 6.750% | $135,000 | 24.5% |
| RUOFF MORTGAGE COMPANY, INC. | 184 | 6.875% | $170,000 | 4.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 115 | 6.250% | $185,000 | 16.3% |
| GVC MORTGAGE, INC. | 109 | 6.875% | $195,000 | 2.7% |
| Fairway Independent Mortgage Corporation | 106 | 6.875% | $165,000 | 10.8% |
| STAR Financial Bank | 104 | 6.688% | $65,000 | 35.4% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 90 | 5.490% | $310,000 | 6.1% |
| CALCON MUTUAL MORTGAGE LLC | 82 | 6.625% | $165,000 | 3.5% |
| GUILD MORTGAGE COMPANY | 80 | 6.433% | $195,000 | 1.2% |
| UNION HOME MORTGAGE CORP. | 74 | 6.750% | $215,000 | 0.0% |
| Mortgage Research Center, LLC | 71 | 6.250% | $225,000 | 18.0% |
| NEWREZ LLC | 68 | 6.625% | $165,000 | 36.4% |
| The Huntington National Bank | 68 | 8.040% | $105,000 | 44.9% |
| Madison County Federal Credit Union | 62 | 7.500% | $60,000 | 13.9% |
| Independent Federal Credit Union | 53 | 7.500% | $75,000 | 15.5% |
| Loandepot.Com, LLC | 51 | 6.750% | $105,000 | 32.5% |
| Broker Solutions, Inc. | 50 | 6.875% | $155,000 | 16.7% |
| FREEDOM MORTGAGE CORPORATION | 50 | 6.250% | $200,000 | 18.1% |
| FORUM | 50 | 7.250% | $115,000 | 13.8% |
| KeyBank National Association | 48 | 6.625% | $100,000 | 29.4% |
| INDIANA MEMBERS CREDIT UNION | 48 | 6.063% | $95,000 | 8.6% |
| American Mortgage Bank, LLC | 45 | 6.990% | $135,000 | 3.8% |
| Old National Bank | 43 | 6.125% | $55,000 | 36.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 41 | 6.875% | $165,000 | 6.8% |
| Kiavi Funding, Inc. | 41 | 7.625% | $135,000 | 6.8% |
| MM LENDING, LLC | 40 | 11.375% | $115,000 | 0.0% |
| NATIONSTAR MORTGAGE LLC | 36 | 7.875% | $90,000 | 14.3% |
| First Farmers Bank & Trust Co. | 28 | 7.125% | $70,000 | 24.4% |
| MJW FINANCIAL LLC | 28 | 6.688% | $155,000 | 3.5% |
| FLAT BRANCH MORTGAGE, INC. | 28 | 6.688% | $185,000 | 3.5% |
| GoodLeap, LLC | 26 | 6.563% | $115,000 | 24.4% |
| PENNYMAC LOAN SERVICES, LLC | 24 | 5.990% | $210,000 | 25.0% |
| LOWER, LLC | 23 | 6.875% | $155,000 | 14.8% |
| BMO Bank National Association | 22 | 8.340% | $120,000 | 26.7% |
| CARRINGTON MORTGAGE SERVICES, LLC | 21 | 6.625% | $95,000 | 47.6% |
| Coastal Community Bank | 20 | 10.990% | $45,000 | 2.6% |
| Fifth Third Bank, National Association | 19 | 7.750% | $105,000 | 48.7% |
| GUARANTEED RATE, INC. | 19 | 6.500% | $175,000 | 20.8% |
| MUTUAL OF OMAHA MORTGAGE, INC. | 19 | 6.500% | $115,000 | 25.9% |
| Navy Federal Credit Union | 19 | 6.750% | $95,000 | 17.4% |
| JPMorgan Chase Bank, National Association | 18 | 6.688% | $175,000 | 25.0% |
| First Financial Bank | 18 | 6.058% | $80,000 | 50.0% |
| FIGURE LENDING LLC | 18 | 9.988% | $55,000 | 17.1% |
| Three Rivers Federal Credit Union | 18 | 8.500% | $70,000 | 20.8% |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 18 | 6.648% | $170,000 | 5.3% |
| Regions Bank | 17 | 6.625% | $125,000 | 27.6% |
| Elements Financial Federal Credit Union | 17 | 5.750% | $185,000 | 10.0% |
| MILESTONE HOME LENDING, LLC | 17 | 6.625% | $195,000 | 0.0% |
| U.S. Bank National Association | 16 | 7.725% | $135,000 | 56.4% |
| ROYAL UNITED MORTGAGE LLC | 16 | 6.500% | $105,000 | 23.8% |
| Union Savings Bank | 16 | 6.750% | $220,000 | 5.9% |
| NEW DAY FINANCIAL, LLC | 14 | 6.990% | $195,000 | 34.8% |
| EUSTIS MORTGAGE CORPORATION | 14 | 6.938% | $180,000 | 0.0% |
| Citizens State Bank of New Castle, Indiana | 13 | 8.000% | $125,000 | 23.5% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 12 | 6.750% | $205,000 | 0.0% |
| Equity Prime Mortgage LLC | 11 | 6.750% | $145,000 | 0.0% |
| INDIANA UNIVERSITY CREDIT UNION | 11 | 6.900% | $105,000 | 0.0% |
| EVERWISE CREDIT UNION | 10 | 7.500% | $85,000 | 23.1% |
| BPL MORTGAGE TRUST, LLC | 10 | 7.750% | $125,000 | 28.6% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 10 | 6.808% | $130,000 | 0.0% |
| First Option Mortgage, LLC | 10 | 6.625% | $195,000 | 0.0% |
| AmeriSave Mortgage Corporation | 9 | Under 10 loans | Under 10 loans | 80.0% |
| TRIAD FINANCIAL SERVICES, INC. | 9 | Under 10 loans | Under 10 loans | 64.9% |
| Citizens Bank, National Association | 9 | Under 10 loans | Under 10 loans | 44.4% |
| Merchants Bank of Indiana | 9 | Under 10 loans | Under 10 loans | 18.2% |
| EVERETT FINANCIAL, INC. | 8 | Under 10 loans | Under 10 loans | 0.0% |
| PLANET HOME LENDING, LLC | 8 | Under 10 loans | Under 10 loans | 16.7% |
| PLAZA HOME MORTGAGE, INC. | 8 | Under 10 loans | Under 10 loans | 11.1% |
| ZILLOW HOME LOANS, LLC | 8 | Under 10 loans | Under 10 loans | 11.1% |
| SOFI BANK, NATIONAL ASSOCIATION | 7 | Under 10 loans | Under 10 loans | 0.0% |
| FINANCIAL CENTER FIRST CREDIT UNION | 7 | Under 10 loans | Under 10 loans | 27.3% |
| ENDEAVOR CAPITAL, LLC. | 7 | Under 10 loans | Under 10 loans | 0.0% |
| MOVEMENT MORTGAGE, LLC | 7 | Under 10 loans | Under 10 loans | 12.5% |
| USAA Federal Savings Bank | 7 | Under 10 loans | Under 10 loans | 12.5% |
| Horizon Bank | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Prosperity Home Mortgage, LLC | 7 | Under 10 loans | Under 10 loans | 0.0% |
| CRANE | 7 | Under 10 loans | Under 10 loans | 0.0% |
| Loan Funder LLC | 6 | Under 10 loans | Under 10 loans | 40.0% |
| SPRING EQ, LLC | 6 | Under 10 loans | Under 10 loans | 64.7% |
| Bank of America, National Association | 6 | Under 10 loans | Under 10 loans | 50.0% |
| BETTER MORTGAGE CORPORATION | 6 | Under 10 loans | Under 10 loans | 14.3% |
| PHH Mortgage Corporation | 6 | Under 10 loans | Under 10 loans | 25.0% |
| The State Bank and Trust Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| CMG MORTGAGE, INC. | 6 | Under 10 loans | Under 10 loans | 14.3% |
| ENVOY MORTGAGE, LTD | 6 | Under 10 loans | Under 10 loans | 14.3% |
| Valon Mortgage, Inc. | 6 | Under 10 loans | Under 10 loans | 22.2% |
| MLD MORTGAGE INC. | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Community First Bank of Indiana | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Farm Credit Mid-America | 6 | Under 10 loans | Under 10 loans | 0.0% |
| Greenfield Banking Company | 6 | Under 10 loans | Under 10 loans | 0.0% |
| VILLAGE CAPITAL & INVESTMENT LLC | 5 | Under 10 loans | Under 10 loans | 41.7% |
| LAKEVIEW LOAN SERVICING, LLC | 5 | Under 10 loans | Under 10 loans | 53.8% |
| AMERIHOME MORTGAGE COMPANY, LLC | 5 | Under 10 loans | Under 10 loans | 14.3% |
| 254900CTT87ZKAUTIJ37 | 5 | Under 10 loans | Under 10 loans | 28.6% |
| TOP FLITE FINANCIAL, INC. | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Northwest Bank | 5 | Under 10 loans | Under 10 loans | 37.5% |
| FIRST COMMUNITY MORTGAGE, INC. | 5 | Under 10 loans | Under 10 loans | 16.7% |
| PURDUE | 5 | Under 10 loans | Under 10 loans | 16.7% |
| The Farmers Bank, Frankfort, Indiana | 5 | Under 10 loans | Under 10 loans | 14.3% |
| Lendage, LLC | 5 | Under 10 loans | Under 10 loans | 0.0% |
| The Dart Bank | 5 | Under 10 loans | Under 10 loans | 0.0% |
| Discover Bank | 4 | Under 10 loans | Under 10 loans | 75.0% |
| Park Lane Finance Solutions, LLC | 4 | Under 10 loans | Under 10 loans | 43.8% |
| CONSUMER REAL ESTATE FINANCE CO. | 4 | Under 10 loans | Under 10 loans | 50.0% |
| STOCKTON MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Lake City Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| KIND LENDING, LLC | 4 | Under 10 loans | Under 10 loans | 42.9% |
| Encompass Federal Credit Union | 4 | Under 10 loans | Under 10 loans | 33.3% |
| Centier Bank | 4 | Under 10 loans | Under 10 loans | 42.9% |
| THE LOAN STORE, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| Advisors Mortgage Group, L.L.C. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 4 | Under 10 loans | Under 10 loans | 20.0% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| CHURCHILL MORTGAGE CORPORATION | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Luminate Bank | 4 | Under 10 loans | Under 10 loans | 0.0% |
| SUN WEST MORTGAGE COMPANY, INC. | 4 | Under 10 loans | Under 10 loans | 16.7% |
| Greenbox Loans, Inc. | 4 | Under 10 loans | Under 10 loans | 0.0% |
| Stifel Bank and Trust | 4 | Under 10 loans | Under 10 loans | 0.0% |
| A&D Mortgage LLC | 3 | Under 10 loans | Under 10 loans | 25.0% |
| CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | 3 | Under 10 loans | Under 10 loans | 40.0% |
| Servion, Inc. | 3 | Under 10 loans | Under 10 loans | 50.0% |
| Hometown Equity Mortgage, LLC | 3 | Under 10 loans | Under 10 loans | 42.9% |
| DHI MORTGAGE COMPANY, LTD. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| DOMINION FINANCIAL SERVICES, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CREDIT HUMAN FEDERAL CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Nations Lending Corporation | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Bankers' Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Plains Commerce Bank | 3 | Under 10 loans | Under 10 loans | 25.0% |
| V.I.P. MORTGAGE, INC. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | Under 10 loans | Under 10 loans | 25.0% |
| Wells Fargo Bank, National Association | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Flagstar Bank, N.A. | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Gateway First Bank | 3 | Under 10 loans | Under 10 loans | 0.0% |
| CONSUMERS COOPERATIVE CREDIT UNION | 3 | Under 10 loans | Under 10 loans | 0.0% |
| SOUTHWEST FUNDING, LP | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Thrive Federal Credit Union | 3 | Under 10 loans | Under 10 loans | 0.0% |
| Magnolia Bank, Incorporated | 3 | Under 10 loans | Under 10 loans | 0.0% |
| RELIANCE FIRST CAPITAL, LLC | 3 | Under 10 loans | Under 10 loans | 0.0% |
| 21st Mortgage Corporation | 2 | Under 10 loans | Under 10 loans | 95.7% |
| MILEND, INC. | 2 | Under 10 loans | Under 10 loans | 25.0% |
| GREENSTATE Credit Union | 2 | Under 10 loans | Under 10 loans | 80.0% |
| The Federal Savings Bank | 2 | Under 10 loans | Under 10 loans | 50.0% |
| NBKC BANK | 2 | Under 10 loans | Under 10 loans | 66.7% |
| Paramount Residential Mortgage Group, Inc. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Click n' Close, Inc. | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Third Federal Savings and Loan Association of Cleveland | 2 | Under 10 loans | Under 10 loans | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 2 | Under 10 loans | Under 10 loans | 50.0% |
| Manufacturers and Traders Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| AMERICAN FINANCIAL RESOURCES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| VERITAS FUNDING, LLC | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Stock Yards Bank & Trust Company | 2 | Under 10 loans | Under 10 loans | 33.3% |
| Centra Credit Union | 2 | Under 10 loans | Under 10 loans | 0.0% |
| JMAC LENDING, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SUCCESS MORTGAGE PARTNERS, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cornerstone First Mortgage, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| ISERVE RESIDENTIAL LENDING, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| German American Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Wolfe Financial, Inc | 2 | Under 10 loans | Under 10 loans | 0.0% |
| LAND HOME FINANCIAL SERVICES, INC. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| The Park National Bank | 2 | Under 10 loans | Under 10 loans | 0.0% |
| HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | 2 | Under 10 loans | Under 10 loans | 0.0% |
| TOWNE MORTGAGE COMPANY | 2 | Under 10 loans | Under 10 loans | 0.0% |
| CANOPY MORTGAGE, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| SayGO Home Loans, LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Emporium TPO LLC | 2 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCING CORPORATION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Zippy Loans, LLC | 1 | Under 10 loans | Under 10 loans | 85.7% |
| MISSION LOANS, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| QUORUM FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PENTAGON FEDERAL CREDIT UNION | 1 | Under 10 loans | Under 10 loans | 66.7% |
| LIMA ONE CAPITAL, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| Security Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 75.0% |
| MEMBER FIRST MORTGAGE, LLC | 1 | Under 10 loans | Under 10 loans | 66.7% |
| 1st Source Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| OCMBC, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Filo Mortgage, L.L.C. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Union Savings And Loan Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| THE MORTGAGE FIRM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Financial Bank, National Association | 1 | Under 10 loans | Under 10 loans | 50.0% |
| PANORAMA MORTGAGE GROUP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| NFM, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WRIGHT-PATT CREDIT UNION, INC. | 1 | Under 10 loans | Under 10 loans | 0.0% |
| COMPASS MORTGAGE, INC. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| First Federal Savings Bank | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Barrington Bank & Trust Company, National Association | 1 | Under 10 loans | Under 10 loans | 0.0% |
| First Federal Bank | 1 | Under 10 loans | Under 10 loans | 50.0% |
| WesBanco Bank, Inc. | 1 | Under 10 loans | Under 10 loans | 50.0% |
| NOTRE DAME FEDERAL CREDIT UNION CORPORATION | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Easy Street Capital, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| RPE Home, Inc | 1 | Under 10 loans | Under 10 loans | 0.0% |
| PrimeTrust Financial Federal Credit Union | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Home Mortgage Alliance Corporation (HMAC) | 1 | Under 10 loans | Under 10 loans | 0.0% |
| WALKER & DUNLOP, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
| GUARANTEED RATE AFFINITY, LLC | 1 | Under 10 loans | Under 10 loans | 0.0% |
Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials. Another 90 lenders each made 1 or fewer mortgages here, and are counted in the totals above.
Bank branches in Madison County
20 FDIC-insured branches from 9 banks, as of 30 June 2026, with the deposits held at them.
| Bank | Branches here | Deposits |
|---|---|---|
| STAR Financial Bank | 5 | $405.9 million |
| First Merchants Bank | 4 | $552.6 million |
| PNC Bank, National Association | 4 | $441.3 million |
| Old National Bank | 2 | $125.9 million |
| KeyBank National Association | 1 | $118.8 million |
| First Farmers Bank & Trust Co. | 1 | $85.2 million |
| Citizens State Bank of New Castle, Indiana | 1 | $66.7 million |
| The Huntington National Bank | 1 | $63.2 million |
| Woodforest National Bank | 1 | $3.2 million |
Get told when this changes
When the next year’s lending figures are out for Madison 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.