FORUM
FORUM received 2,149 applications in 2025 and made 1,423 mortgages, in 58 counties across 2 states. The median rate its borrowers got was 7.250% on a median loan of $115,000. Of 1,720 decisions, 286 were denials — 16.6%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300S4PNXPKYHHRE82 |
|---|---|
| Applications received | 2,149 |
| Mortgages made | 1,423 |
| Denied | 286 |
| Approved, not taken up | 11 |
| Withdrawn or incomplete | 429 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.24 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 439 | 6.500% | $265,000 | 6.0% |
| Refinancing | 70 | 6.125% | $220,000 | 14.6% |
| Cash-out refinancing | 131 | 7.240% | $115,000 | 12.0% |
| Other purposes | 783 | 7.500% | $75,000 | 22.4% |
Where FORUM lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Marion County, IN | 477 | 7.250% | 20.7% |
| Hamilton County, IN | 354 | 7.500% | 9.6% |
| Johnson County, IN | 119 | 7.500% | 15.5% |
| Hancock County, IN | 103 | 7.000% | 15.6% |
| Hendricks County, IN | 97 | 7.500% | 23.4% |
| Madison County, IN | 50 | 7.250% | 13.8% |
| Boone County, IN | 39 | 6.990% | 15.2% |
| Morgan County, IN | 33 | 6.625% | 15.0% |
| Delaware County, IN | 20 | 7.125% | 9.1% |
| Shelby County, IN | 15 | 6.625% | 6.3% |
| Grant County, IN | 13 | 6.625% | 7.1% |
| Henry County, IN | 12 | 6.750% | 7.1% |
| Brown County, IN | 7 | Under 10 loans | 0.0% |
| Howard County, IN | 7 | Under 10 loans | 12.5% |
| Allen County, IN | 6 | Under 10 loans | 22.2% |
| Lawrence County, IN | 6 | Under 10 loans | 14.3% |
| Putnam County, IN | 6 | Under 10 loans | 25.0% |
| Bartholomew County, IN | 5 | Under 10 loans | 0.0% |
| Clinton County, IN | 4 | Under 10 loans | 0.0% |
| Monroe County, IN | 4 | Under 10 loans | 33.3% |
| Clay County, IN | 3 | Under 10 loans | 0.0% |
| Kosciusko County, IN | 3 | Under 10 loans | 0.0% |
| Lake County, IN | 3 | Under 10 loans | 25.0% |
| Owen County, IN | 3 | Under 10 loans | 0.0% |
| Rush County, IN | 3 | Under 10 loans | 25.0% |
| Tipton County, IN | 3 | Under 10 loans | 0.0% |
| Jay County, IN | 2 | Under 10 loans | 0.0% |
| Montgomery County, IN | 2 | Under 10 loans | 0.0% |
| Porter County, IN | 2 | Under 10 loans | 0.0% |
| Tippecanoe County, IN | 2 | Under 10 loans | 0.0% |
| Wabash County, IN | 2 | Under 10 loans | 33.3% |
| Cass County, IN | 1 | Under 10 loans | 0.0% |
| Clark County, IN | 1 | Under 10 loans | 0.0% |
| Dearborn County, IN | 1 | Under 10 loans | 0.0% |
| Decatur County, IN | 1 | Under 10 loans | 50.0% |
| Floyd County, IN | 1 | Under 10 loans | 0.0% |
| Fountain County, IN | 1 | Under 10 loans | 0.0% |
| Franklin County, IN | 1 | Under 10 loans | 66.7% |
| Jackson County, IN | 1 | Under 10 loans | 0.0% |
| Jennings County, IN | 1 | Under 10 loans | 50.0% |
| Marshall County, IN | 1 | Under 10 loans | 0.0% |
| Miami County, IN | 1 | Under 10 loans | 0.0% |
| Orange County, IN | 1 | Under 10 loans | 0.0% |
| Parke County, IN | 1 | Under 10 loans | 0.0% |
| Perry County, IN | 1 | Under 10 loans | 0.0% |
| Randolph County, IN | 1 | Under 10 loans | 0.0% |
| Spencer County, IN | 1 | Under 10 loans | 0.0% |
| Steuben County, IN | 1 | Under 10 loans | 0.0% |
| Vigo County, IN | 1 | Under 10 loans | 83.3% |
| Gwinnett County, GA | 0 | Under 10 loans | 100.0% |
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When FORUM’s figures are published for the next year, or restated.
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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.