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Bartholomew County, Indiana · 2025

Mortgage lenders in Bartholomew County, IN: denial rates and top lenders (2025)

213 lenders acted on 3,623 mortgage applications for properties in Bartholomew County in 2025. 13.5% were denied (Indiana: 16.6%). Median rate on closed loans 6.50%; median loan $175,000; median property value $285,000.

3.6kApplications
13.5%Denial ratestate 16.6%
6.50%Median ratestate 6.75%
$175,000Median loan
$285,000Median property value

Largest lenders in Bartholomew County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Centra Credit Union A 701512 6.3%6.00%
2 First Financial Bank D 337228 23.2%6.25%
3 German American Bank A 173142 11.0%6.88%
4 Jackson County Bank B 157122 3.2%6.62%
5 Rocket Mortgage C 152106 23.0%6.50%
6 Fifth Third Bank D 12277 19.7%6.99%
7 Gvc Mortgage B 11286 2.7%6.88%
8 Fairway Independent Mortgage B 10983 3.7%6.49%
9 Ruoff Mortgage Company A 10784 1.9%6.63%
10 CMG Mortgage A 8463 2.4%6.81%
11 Old National Bank B 8152 18.5%6.00%
12 Mortgage Research Center C 7440 13.5%6.13%
13 United Shore Financial Services B 6945 18.8%6.13%
14 Vanderbilt Mortgage and Finance F 6149 6.6%5.49%
15 Freedom Mortgage B 6028 8.3%6.25%
16 Union Savings Bank A 5852 1.7%6.44%
17 Newrez D 5620 16.1%6.44%
18 21st Mortgage F 5418 50.0%10.88%
19 Horizon Bank A 3927 20.5%6.00%
20 PNC Bank D 3621 13.9%7.35%
21 JPMorgan Chase Bank B 2918 10.3%6.13%
22 Crosscountry Mortgage B 2720 3.7%6.75%
23 Coastal Community Bank C 255 0.0%9.24%
24 Nationstar Mortgage C 2419 12.5%7.50%
25 Broker Solutions D 248 12.5%6.81%

Best approval odds in Bartholomew County

Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.

#LenderDecidedDecision denial rate
1Union Savings Bank541.9%
2Ruoff Mortgage Company932.2%
3CMG Mortgage712.8%
4Gvc Mortgage943.2%
5Jackson County Bank1333.8%
6Fairway Independent Mortgage884.6%
7Vanderbilt Mortgage and Finance537.6%
8Centra Credit Union5627.8%
9German American Bank16111.8%
10Mortgage Research Center5119.6%

What Bartholomew County borrowers applied for

By loan purpose

Home purchase 1,570 43% · 8.9% denied
Refinance 625 17% · 11.2% denied
Cash-out refinance 565 16% · 19.8% denied
Home improvement 342 9% · 23.1% denied
Other / HELOC 521 14% · 17.3% denied

By loan type

Conventional 2,906 80% · 13.1% denied
FHA 458 13% · 18.1% denied
VA 236 7% · 10.2% denied
USDA / RHS 23 1% · 8.7% denied

Why applications were denied

Credit history 170 35%
Debt-to-income ratio 145 30%
Collateral 68 14%
Incomplete application 65 13%
Other 17 3%
Insufficient cash 12 2%
Unverifiable information 9 2%
Employment history 3 1%

Bartholomew County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20233,1932,08115.9%6.75%$145,000
20243,3172,24614.9%6.75%$155,000
20253,6232,32013.5%6.50%$175,000

Frequently asked questions

13.5% of applications in Bartholomew County were denied in 2025, against 16.6% statewide in Indiana.

Centra Credit Union, with 701 applications in 2025 and a denial rate of 6.3%.

The median mortgage application in Bartholomew County in 2025 was for $175,000; the median property value on originated loans was $285,000.