Largest lenders in Huntington County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Ruoff Mortgage Company | A | 118 | 92 | 3.4% | 6.75% |
| 2 | First Federal Savings Bank | B | 113 | 99 | 4.4% | 6.63% |
| 3 | Everwise Credit Union | C | 66 | 41 | 19.7% | 7.50% |
| 4 | Rocket Mortgage | C | 63 | 35 | 31.8% | 6.63% |
| 5 | MidWest America Federal Credit Union | C | 61 | 49 | 8.2% | 6.49% |
| 6 | Three Rivers Federal Credit Union | C | 54 | 41 | 9.3% | 6.88% |
| 7 | First Merchants Bank | C | 50 | 37 | 14.0% | 6.63% |
| 8 | 1st Source Bank | B | 47 | 34 | 23.4% | 7.25% |
| 9 | PNC Bank | D | 41 | 28 | 22.0% | 7.67% |
| 10 | Mortgage Research Center | C | 33 | 13 | 18.2% | 5.99% |
| 11 | Fairway Independent Mortgage | B | 32 | 27 | 0.0% | 7.00% |
| 12 | Fifth Third Bank | D | 31 | 21 | 9.7% | 7.17% |
| 13 | United Shore Financial Services | B | 28 | 21 | 14.3% | 6.13% |
| 14 | Carrington Mortgage Services | D | 23 | 7 | 43.5% | 6.50% |
| 15 | Flagstar Bank | C | 22 | 16 | 18.2% | 7.75% |
| 16 | Newrez | D | 22 | 9 | 13.6% | 6.63% |
| 17 | Nations Lending | B | 22 | 19 | 4.6% | 6.63% |
| 18 | Lake City Bank | B | 21 | 17 | 14.3% | 7.50% |
| 19 | Beacon Credit Union | C | 21 | 19 | 0.0% | 7.50% |
| 20 | 21st Mortgage | F | 20 | 6 | 50.0% | 9.37% |
| 21 | AmeriSave Mortgage | D | 18 | 4 | 66.7% | 9.19% |
| 22 | First Farmers Bank & Trust | C | 18 | 13 | 11.1% | 7.25% |
| 23 | Gvc Mortgage | B | 18 | 12 | 0.0% | 6.75% |
| 24 | GoodLeap | C | 17 | 7 | 23.5% | 9.30% |
| 25 | Nationstar Mortgage | C | 17 | 13 | 23.5% | 6.99% |
Best approval odds in Huntington County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Ruoff Mortgage Company | 107 | 3.7% |
| 2 | First Federal Savings Bank | 106 | 4.7% |
| 3 | MidWest America Federal Credit Union | 56 | 8.9% |
| 4 | Everwise Credit Union | 54 | 24.1% |
| 5 | Rocket Mortgage | 58 | 34.5% |
What Huntington County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Huntington County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,095 | 722 | 18.0% | 7.13% | $105,000 |
| 2024 | 1,312 | 838 | 17.7% | 7.00% | $115,000 |
| 2025 | 1,435 | 934 | 15.5% | 6.88% | $125,000 |
Frequently asked questions
15.5% of applications in Huntington County were denied in 2025, against 16.6% statewide in Indiana.
Ruoff Mortgage Company, with 118 applications in 2025 and a denial rate of 3.4%.
The median mortgage application in Huntington County in 2025 was for $125,000; the median property value on originated loans was $205,000.