Mortgage Lender Index

Mortgage lenders in Wells County

797 mortgages were made in Wells County, Indiana, in 2025, by 121 lenders. The median rate their borrowers got was 6.990% on a median loan of $145,000. Of 1,070 decisions, 223 were denials — 20.8%, most often for credit history.

LenderMortgages madeMedian rateMedian loanDenied
Three Rivers Federal Credit Union 104 7.500% $105,000 13.4%
RUOFF MORTGAGE COMPANY, INC. 73 6.750% $195,000 4.8%
PROFED CREDIT UNION 66 7.490% $75,000 21.4%
STOCKTON MORTGAGE CORPORATION 63 6.875% $215,000 4.6%
First Bank of Berne 53 Not published $115,000 5.4%
First Merchants Bank 35 6.625% $125,000 23.4%
Rocket Mortgage, LLC 29 6.625% $155,000 18.4%
The Farmers & Merchants State Bank 28 7.313% $95,000 9.4%
MidWest America Federal Credit Union 25 6.490% $65,000 7.4%
PNC Bank, National Association 22 7.460% $125,000 18.5%
Fifth Third Bank, National Association 21 7.625% $105,000 19.2%
1st Source Bank 21 7.250% $65,000 16.0%
DHI MORTGAGE COMPANY, LTD. 20 5.500% $275,000 9.1%
Zippy Loans, LLC 17 8.000% $35,000 55.0%
Fairway Independent Mortgage Corporation 16 6.875% $170,000 0.0%
UNITED SHORE FINANCIAL SERVICES, LLC 14 6.125% $180,000 6.7%
GVC MORTGAGE, INC. 13 6.990% $175,000 0.0%
FREEDOM MORTGAGE CORPORATION 12 6.250% $260,000 6.7%
Flagstar Bank, N.A. 9 Under 10 loans Under 10 loans 28.6%
PENNYMAC LOAN SERVICES, LLC 8 Under 10 loans Under 10 loans 11.1%
UNION HOME MORTGAGE CORP. 7 Under 10 loans Under 10 loans 0.0%
CARRINGTON MORTGAGE SERVICES, LLC 6 Under 10 loans Under 10 loans 50.0%
Loandepot.Com, LLC 6 Under 10 loans Under 10 loans 50.0%
LOWER, LLC 6 Under 10 loans Under 10 loans 0.0%
EVERWISE CREDIT UNION 6 Under 10 loans Under 10 loans 0.0%
Mortgage Research Center, LLC 5 Under 10 loans Under 10 loans 37.5%
STAR Financial Bank 5 Under 10 loans Under 10 loans 28.6%
Union Savings Bank 5 Under 10 loans Under 10 loans 0.0%
First Federal Savings Bank 5 Under 10 loans Under 10 loans 0.0%
FIGURE LENDING LLC 4 Under 10 loans Under 10 loans 33.3%
AmeriSave Mortgage Corporation 4 Under 10 loans Under 10 loans 55.6%
JPMorgan Chase Bank, National Association 4 Under 10 loans Under 10 loans 33.3%
NATIONSTAR MORTGAGE LLC 4 Under 10 loans Under 10 loans 16.7%
NEWREZ LLC 3 Under 10 loans Under 10 loans 57.1%
TRIAD FINANCIAL SERVICES, INC. 3 Under 10 loans Under 10 loans 63.6%
Broker Solutions, Inc. 3 Under 10 loans Under 10 loans 57.1%
Fire Police City County Federal Credit Union 3 Under 10 loans Under 10 loans 0.0%
PARTNERS 1ST Federal Credit Union 3 Under 10 loans Under 10 loans 0.0%
21st Mortgage Corporation 2 Under 10 loans Under 10 loans 90.9%
VANDERBILT MORTGAGE AND FINANCE, INC. 2 Under 10 loans Under 10 loans 83.3%
Coastal Community Bank 2 Under 10 loans Under 10 loans 0.0%
Navy Federal Credit Union 2 Under 10 loans Under 10 loans 50.0%
Lake City Bank 2 Under 10 loans Under 10 loans 33.3%
Nations Lending Corporation 2 Under 10 loans Under 10 loans 0.0%
TOP FLITE FINANCIAL, INC. 2 Under 10 loans Under 10 loans 0.0%
Lendage, LLC 2 Under 10 loans Under 10 loans 0.0%
POLARIS HOME FUNDING CORP. 2 Under 10 loans Under 10 loans 0.0%
Farm Credit Mid-America 2 Under 10 loans Under 10 loans 0.0%
CHURCHILL MORTGAGE CORPORATION 2 Under 10 loans Under 10 loans 0.0%
ENVOY MORTGAGE, LTD 2 Under 10 loans Under 10 loans 0.0%
Crossroads Bank 2 Under 10 loans Under 10 loans 0.0%
ROYAL UNITED MORTGAGE LLC 2 Under 10 loans Under 10 loans 0.0%
USAA Federal Savings Bank 2 Under 10 loans Under 10 loans 0.0%
Old National Bank 1 Under 10 loans Under 10 loans 66.7%
NEW DAY FINANCIAL, LLC 1 Under 10 loans Under 10 loans 0.0%
ZILLOW HOME LOANS, LLC 1 Under 10 loans Under 10 loans 0.0%
SOFI BANK, NATIONAL ASSOCIATION 1 Under 10 loans Under 10 loans 0.0%
The Garrett State Bank 1 Under 10 loans Under 10 loans 50.0%
BEACON CREDIT UNION 1 Under 10 loans Under 10 loans 0.0%
AMWEST FUNDING CORP. 1 Under 10 loans Under 10 loans 0.0%
PURDUE 1 Under 10 loans Under 10 loans 0.0%
SECURITYNATIONAL MORTGAGE COMPANY 1 Under 10 loans Under 10 loans 0.0%
BETTER MORTGAGE CORPORATION 1 Under 10 loans Under 10 loans 0.0%
GoodLeap, LLC 1 Under 10 loans Under 10 loans 50.0%
Truist Bank 1 Under 10 loans Under 10 loans 50.0%
Horizon Bank 1 Under 10 loans Under 10 loans 50.0%
Manufacturers and Traders Trust Company 1 Under 10 loans Under 10 loans 50.0%
POINT MORTGAGE CORPORATION 1 Under 10 loans Under 10 loans 0.0%
254900TSA1PSM0OS4798 1 Under 10 loans Under 10 loans 0.0%
GENEVA FINANCIAL, LLC 1 Under 10 loans Under 10 loans 0.0%
PLANET HOME LENDING, LLC 1 Under 10 loans Under 10 loans 0.0%
PRIMARY RESIDENTIAL 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%
AMERICAN FINANCING CORPORATION 1 Under 10 loans Under 10 loans 0.0%
GUILD MORTGAGE COMPANY 1 Under 10 loans Under 10 loans 0.0%
The Federal Savings Bank 1 Under 10 loans Under 10 loans 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 Under 10 loans Under 10 loans 0.0%
Equity Prime Mortgage LLC 1 Under 10 loans Under 10 loans 0.0%
TIB National Association 1 Under 10 loans Under 10 loans 0.0%
LENOX FINANCIAL MORTGAGE CORPORATION, Sage Home Loans Corporation 1 Under 10 loans Under 10 loans 0.0%
FLAT BRANCH MORTGAGE, INC. 1 Under 10 loans Under 10 loans 0.0%
NFM, INC. 1 Under 10 loans Under 10 loans 0.0%
CALCON MUTUAL MORTGAGE LLC 1 Under 10 loans Under 10 loans 0.0%
MUTUAL OF OMAHA MORTGAGE, INC. 1 Under 10 loans Under 10 loans 0.0%
Texana Bank, National Association 1 Under 10 loans Under 10 loans 0.0%
First Farmers Bank & Trust Co. 1 Under 10 loans Under 10 loans 0.0%
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 Under 10 loans Under 10 loans 0.0%
Barrington Bank & Trust Company, National Association 1 Under 10 loans Under 10 loans 0.0%
Northwest Bank 1 Under 10 loans Under 10 loans 0.0%
GUARANTEED RATE, INC. 0 Under 10 loans Under 10 loans 100.0%
First Financial Bank 0 Under 10 loans Under 10 loans 100.0%
PHH Mortgage Corporation 0 Under 10 loans Under 10 loans 100.0%
Discover Bank 0 Under 10 loans Under 10 loans 100.0%
The Huntington National Bank 0 Under 10 loans Under 10 loans 100.0%
FORT FINANCIAL Federal Credit Union 0 Under 10 loans Under 10 loans Not published
SPRING EQ, LLC 0 Under 10 loans Under 10 loans 100.0%
CROSSCOUNTRY MORTGAGE, INC. 0 Under 10 loans Under 10 loans Not published
Regions Bank 0 Under 10 loans Under 10 loans 100.0%
SOUTH RIVER MORTGAGE, LLC 0 Under 10 loans Under 10 loans Not published
Griffin Funding, Inc. 0 Under 10 loans Under 10 loans 100.0%
OCEANSIDE MORTGAGE COMPANY 0 Under 10 loans Under 10 loans Not published
LENDINGONE, LLC 0 Under 10 loans Under 10 loans Not published
First Financial Bank, National Association 0 Under 10 loans Under 10 loans 100.0%
EQUITY RESOURCES, INC. 0 Under 10 loans Under 10 loans Not published
LAKEVIEW LOAN SERVICING, LLC 0 Under 10 loans Under 10 loans 100.0%
Elements Financial Federal Credit Union 0 Under 10 loans Under 10 loans 100.0%
MILEND, INC. 0 Under 10 loans Under 10 loans Not published
ALLIANT CREDIT UNION 0 Under 10 loans Under 10 loans 0.0%
VILLAGE CAPITAL & INVESTMENT LLC 0 Under 10 loans Under 10 loans 100.0%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 0 Under 10 loans Under 10 loans 0.0%
GREENSTATE Credit Union 0 Under 10 loans Under 10 loans 100.0%
MISSION LOANS, LLC 0 Under 10 loans Under 10 loans Not published
Allied First Bank,sb 0 Under 10 loans Under 10 loans Not published
EVERETT FINANCIAL, INC. 0 Under 10 loans Under 10 loans Not published
U.S. Bank National Association 0 Under 10 loans Under 10 loans 100.0%
Beeline Loans, Inc. 0 Under 10 loans Under 10 loans 100.0%
Bank of America, National Association 0 Under 10 loans Under 10 loans 100.0%
Citizens Bank, National Association 0 Under 10 loans Under 10 loans 100.0%
AMERIHOME MORTGAGE COMPANY, LLC 0 Under 10 loans Under 10 loans Not published
AMERICAN FINANCIAL RESOURCES, INC. 0 Under 10 loans Under 10 loans Not published
DATA MORTGAGE, INC. 0 Under 10 loans Under 10 loans Not published

Ranked by mortgages made here in 2025. "Denied" is the share of this lender’s decisions here that were denials.

Bank branches in Wells County

7 FDIC-insured branches from 6 banks, as of 30 June 2026, with the deposits held at them.

BankBranches hereDeposits
The Farmers & Merchants State Bank 2$100.4 million
First Bank of Berne 1$212.4 million
First Merchants Bank 1$106.1 million
PNC Bank, National Association 1$91.1 million
1st Source Bank 1$56.8 million
Flagstar Bank, National Association 1$54.2 million

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When the next year’s lending figures are out for Wells 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.