Largest lenders in Blackford County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Ruoff Mortgage Company | A | 31 | 25 | 3.2% | 6.88% |
| 2 | Rocket Mortgage | C | 25 | 13 | 28.0% | 6.99% |
| 3 | First Financial Bank | D | 23 | 11 | 47.8% | 6.93% |
| 4 | Citizens State Bank of New Castle, Indiana | D | 23 | 13 | 30.4% | 7.38% |
| 5 | Mortgage Research Center | C | 16 | 8 | 18.8% | 6.19% |
| 6 | Union Home Mortgage | B | 15 | 14 | 6.7% | 6.81% |
| 7 | Broker Solutions | D | 13 | 4 | 15.4% | 7.12% |
| 8 | Newrez | D | 12 | 7 | 16.7% | 6.99% |
| 9 | Fairway Independent Mortgage | B | 10 | 8 | 20.0% | 6.99% |
| 10 | First Merchants Bank | C | 9 | 3 | 55.6% | 6.25% |
| 11 | GoodLeap | C | 8 | 2 | 12.5% | 11.74% |
| 12 | Crosscountry Mortgage | B | 8 | 6 | 0.0% | 6.56% |
| 13 | Freedom Mortgage | B | 8 | 1 | 12.5% | 8.00% |
| 14 | STAR Financial Bank | C | 7 | 5 | 28.6% | 6.38% |
| 15 | Three Rivers Federal Credit Union | C | 7 | 5 | 28.6% | 7.00% |
| 16 | First Bank of Berne | B | 7 | 5 | 14.3% | — |
| 17 | Gvc Mortgage | B | 7 | 5 | 0.0% | 6.88% |
| 18 | Pennymac Loan Services | C | 6 | 1 | 33.3% | 5.99% |
| 19 | Northwest Bank | B | 6 | 2 | 50.0% | 6.50% |
| 20 | Carrington Mortgage Services | D | 6 | 2 | 33.3% | 6.25% |
| 21 | Loandepot.Com | D | 6 | 2 | 66.7% | 6.31% |
| 22 | Farm Credit Mid-America | D | 6 | 4 | 16.7% | 7.06% |
| 23 | Figure Lending | C | 6 | 3 | 33.3% | 10.48% |
| 24 | Stockton Mortgage | D | 5 | 2 | 40.0% | 6.56% |
| 25 | Consumer Real Estate Finance | F | 5 | 4 | 0.0% | 7.38% |
What Blackford County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Blackford County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 315 | 165 | 22.9% | 7.00% | $85,000 |
| 2024 | 352 | 214 | 21.6% | 6.99% | $95,000 |
| 2025 | 401 | 218 | 22.7% | 6.99% | $105,000 |
Frequently asked questions
22.7% of applications in Blackford County were denied in 2025, against 16.6% statewide in Indiana.
Ruoff Mortgage Company, with 31 applications in 2025 and a denial rate of 3.2%.
The median mortgage application in Blackford County in 2025 was for $105,000; the median property value on originated loans was $155,000.