The Garrett State Bank
The Garrett State Bank received 210 applications in 2025 and made 169 mortgages, in 13 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $135,000. Of 200 decisions, 25 were denials — 12.5%.
| Legal Entity Identifier | 549300I3BPURP4WOHN47 |
|---|---|
| Applications received | 210 |
| Mortgages made | 169 |
| Denied | 25 |
| Approved, not taken up | 6 |
| Withdrawn or incomplete | 10 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | Yes: The Garrett State Bank, 4 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 86 | Not published | $165,000 | 8.3% |
| Refinancing | 55 | Not published | $105,000 | 13.6% |
| Cash-out refinancing | 1 | Under 10 loans | Under 10 loans | 0.0% |
| Other purposes | 27 | Not published | $65,000 | 22.2% |
Where The Garrett State Bank lends most
The 13 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Allen County, IN | 86 | Not published | 6.4% |
| DeKalb County, IN | 44 | Not published | 14.5% |
| Noble County, IN | 17 | Not published | 10.0% |
| Steuben County, IN | 6 | Under 10 loans | 33.3% |
| Huntington County, IN | 5 | Under 10 loans | 16.7% |
| Whitley County, IN | 3 | Under 10 loans | 50.0% |
| LaGrange County, IN | 2 | Under 10 loans | 33.3% |
| Blackford County, IN | 1 | Under 10 loans | 0.0% |
| Elkhart County, IN | 1 | Under 10 loans | 0.0% |
| Hancock County, IN | 1 | Under 10 loans | 0.0% |
| Johnson County, IN | 1 | Under 10 loans | 0.0% |
| Switzerland County, IN | 1 | Under 10 loans | 0.0% |
| Wells County, IN | 1 | Under 10 loans | 50.0% |
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When The Garrett State Bank’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.