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Grant County, Indiana · 2025

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

202 lenders acted on 2,196 mortgage applications for properties in Grant County in 2025. 20.8% were denied (Indiana: 16.6%). Median rate on closed loans 6.88%; median loan $105,000; median property value $175,000.

2.2kApplications
20.8%Denial ratestate 16.6%
6.88%Median ratestate 6.75%
$105,000Median loan
$175,000Median property value

Largest lenders in Grant County

#LenderGradeApplicationsOriginatedDenial rateMedian rate
1 Ruoff Mortgage Company A 271208 4.8%6.88%
2 STAR Financial Bank C 15974 38.4%6.38%
3 Union Home Mortgage B 11388 4.4%6.88%
4 First Farmers Bank & Trust C 9460 17.0%7.38%
5 Rocket Mortgage C 9361 24.7%6.88%
6 Regions Bank C 8642 39.5%6.25%
7 Northwest Bank B 7445 29.7%6.13%
8 Zippy Loans D 7423 39.2%8.00%
9 United Shore Financial Services B 5931 15.3%6.63%
10 Mortgage Research Center C 4824 20.8%6.69%
11 Indiana Members Credit Union B 4731 14.9%6.63%
12 Freedom Mortgage B 4725 10.6%6.25%
13 Horizon Bank A 4125 24.4%6.00%
14 Newrez D 3815 18.4%6.63%
15 GoodLeap C 349 38.2%6.38%
16 AmeriSave Mortgage D 347 70.6%8.25%
17 Loandepot.Com D 3114 35.5%6.63%
18 Beacon Credit Union C 3020 10.0%7.25%
19 Broker Solutions D 298 20.7%7.19%
20 Nations Lending B 2824 0.0%6.88%
21 New Day Financial F 275 33.3%6.88%
22 Carrington Mortgage Services D 268 38.5%8.31%
23 Fairway Independent Mortgage B 2312 17.4%6.69%
24 Figure Lending C 2011 25.0%10.63%
25 Pennymac Loan Services C 195 15.8%6.25%

Best approval odds in Grant County

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

#LenderDecidedDecision denial rate
1Union Home Mortgage955.3%
2Ruoff Mortgage Company2445.3%
3First Farmers Bank & Trust9117.6%
4Rocket Mortgage8826.1%
5Northwest Bank6832.4%
6Regions Bank8341.0%
7STAR Financial Bank14741.5%
8Zippy Loans5354.7%

What Grant County borrowers applied for

By loan purpose

Home purchase 897 41% · 11.0% denied
Refinance 283 13% · 16.3% denied
Cash-out refinance 565 26% · 26.9% denied
Home improvement 254 12% · 36.2% denied
Other / HELOC 197 9% · 34.5% denied

By loan type

Conventional 1,496 68% · 22.3% denied
FHA 460 21% · 18.3% denied
VA 219 10% · 16.4% denied
USDA / RHS 21 1% · 14.3% denied

Why applications were denied

Credit history 148 32%
Debt-to-income ratio 116 25%
Collateral 83 18%
Incomplete application 55 12%
Other 33 7%
Unverifiable information 10 2%
Employment history 6 1%
Insufficient cash 5 1%

Grant County by year

YearApplicationsOriginatedDenial rateMedian rateMedian loan
20231,7691,01220.2%7.13%$85,000
20241,9651,16220.9%7.00%$105,000
20252,1961,20020.8%6.88%$105,000

Frequently asked questions

20.8% of applications in Grant County were denied in 2025, against 16.6% statewide in Indiana.

Ruoff Mortgage Company, with 271 applications in 2025 and a denial rate of 4.8%.

The median mortgage application in Grant County in 2025 was for $105,000; the median property value on originated loans was $175,000.