Largest lenders in Decatur County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Financial Bank | D | 128 | 96 | 18.8% | 6.13% |
| 2 | Centra Credit Union | A | 94 | 66 | 10.6% | 5.24% |
| 3 | Fifth Third Bank | D | 78 | 50 | 24.4% | 7.88% |
| 4 | Gvc Mortgage | B | 58 | 49 | 3.5% | 6.75% |
| 5 | Jackson County Bank | B | 52 | 42 | 11.5% | 6.49% |
| 6 | Rocket Mortgage | C | 46 | 31 | 23.9% | 6.25% |
| 7 | Ruoff Mortgage Company | A | 42 | 38 | 0.0% | 6.75% |
| 8 | Freedom Mortgage | B | 33 | 17 | 9.1% | 6.25% |
| 9 | German American Bank | A | 29 | 23 | 10.3% | 6.63% |
| 10 | United Shore Financial Services | B | 25 | 15 | 12.0% | 6.13% |
| 11 | First Federal Savings and Loan Association of Greensburg | – | 21 | 21 | 0.0% | — |
| 12 | Mortgage Research Center | C | 20 | 11 | 10.0% | 6.63% |
| 13 | AmeriSave Mortgage | D | 17 | 7 | 41.2% | 7.13% |
| 14 | Pennymac Loan Services | C | 16 | 6 | 6.3% | 5.99% |
| 15 | Newrez | D | 16 | 6 | 18.8% | 6.75% |
| 16 | HONDA Federal Credit Union | F | 15 | 12 | 6.7% | 7.38% |
| 17 | Carrington Mortgage Services | D | 14 | 8 | 28.6% | 7.44% |
| 18 | GoodLeap | C | 13 | 6 | 23.1% | 6.43% |
| 19 | Crosscountry Mortgage | B | 12 | 8 | 0.0% | 7.12% |
| 20 | American Pacific Mortgage | C | 12 | 11 | 0.0% | 7.25% |
| 21 | Loandepot.Com | D | 12 | 5 | 16.7% | 6.99% |
| 22 | Union Savings Bank | A | 11 | 9 | 18.2% | 6.88% |
| 23 | Fairway Independent Mortgage | B | 10 | 6 | 30.0% | 6.19% |
| 24 | Broker Solutions | D | 10 | 0 | 20.0% | — |
| 25 | Union Savings And Loan Association | B | 10 | 9 | 10.0% | — |
Best approval odds in Decatur County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Gvc Mortgage | 51 | 3.9% |
| 2 | Centra Credit Union | 76 | 13.2% |
| 3 | First Financial Bank | 120 | 20.0% |
| 4 | Fifth Third Bank | 70 | 27.1% |
What Decatur County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Decatur County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 801 | 525 | 18.0% | 6.99% | $135,000 |
| 2024 | 893 | 607 | 15.8% | 6.99% | $145,000 |
| 2025 | 1,027 | 685 | 14.5% | 6.63% | $155,000 |
Frequently asked questions
14.5% of applications in Decatur County were denied in 2025, against 16.6% statewide in Indiana.
First Financial Bank, with 128 applications in 2025 and a denial rate of 18.8%.
The median mortgage application in Decatur County in 2025 was for $155,000; the median property value on originated loans was $255,000.