Largest lenders in Noble County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Lake City Bank | B | 148 | 125 | 9.5% | 7.75% |
| 2 | Three Rivers Federal Credit Union | C | 132 | 94 | 18.9% | 7.00% |
| 3 | Profed Credit Union | C | 88 | 49 | 29.6% | 7.49% |
| 4 | Interra Credit Union | C | 86 | 50 | 29.1% | 7.50% |
| 5 | Ruoff Mortgage Company | A | 85 | 55 | 9.4% | 6.63% |
| 6 | Farmers State Bank | A | 79 | 65 | 10.1% | 7.49% |
| 7 | Rocket Mortgage | C | 72 | 54 | 19.4% | 6.88% |
| 8 | Van Dyk Mortgage | B | 69 | 57 | 0.0% | 6.50% |
| 9 | Gvc Mortgage | B | 47 | 39 | 2.1% | 6.88% |
| 10 | MidWest America Federal Credit Union | C | 40 | 26 | 7.5% | 6.49% |
| 11 | Newrez | D | 39 | 12 | 18.0% | 6.50% |
| 12 | The Campbell & Fetter Bank | B | 38 | 33 | 5.3% | 7.25% |
| 13 | United Shore Financial Services | B | 35 | 24 | 14.3% | 6.25% |
| 14 | Mortgage Research Center | C | 34 | 13 | 20.6% | 6.50% |
| 15 | Freedom Mortgage | B | 33 | 18 | 9.1% | 6.25% |
| 16 | Fifth Third Bank | D | 32 | 17 | 28.1% | 7.00% |
| 17 | Horizon Bank | A | 32 | 24 | 15.6% | 6.06% |
| 18 | Carrington Mortgage Services | D | 30 | 10 | 36.7% | 6.44% |
| 19 | Farmers and Merchants Bank | – | 28 | 22 | 10.7% | — |
| 20 | JPMorgan Chase Bank | B | 27 | 19 | 14.8% | 6.13% |
| 21 | AmeriSave Mortgage | D | 27 | 10 | 59.3% | 6.88% |
| 22 | Loandepot.Com | D | 26 | 13 | 26.9% | 6.63% |
| 23 | Fairway Independent Mortgage | B | 25 | 20 | 0.0% | 6.88% |
| 24 | Pennymac Loan Services | C | 21 | 6 | 9.5% | 6.06% |
| 25 | Everwise Credit Union | C | 21 | 15 | 4.8% | 7.13% |
Best approval odds in Noble County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Van Dyk Mortgage | 57 | 0.0% |
| 2 | Lake City Bank | 142 | 9.9% |
| 3 | Ruoff Mortgage Company | 78 | 10.3% |
| 4 | Farmers State Bank | 75 | 10.7% |
| 5 | Three Rivers Federal Credit Union | 125 | 20.0% |
| 6 | Rocket Mortgage | 69 | 20.3% |
| 7 | Profed Credit Union | 87 | 29.9% |
| 8 | Interra Credit Union | 76 | 32.9% |
What Noble County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Noble County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 1,527 | 1,017 | 14.9% | 7.25% | $115,000 |
| 2024 | 1,717 | 1,108 | 18.6% | 7.13% | $135,000 |
| 2025 | 1,876 | 1,195 | 16.2% | 6.88% | $150,000 |
Frequently asked questions
16.2% of applications in Noble County were denied in 2025, against 16.6% statewide in Indiana.
Lake City Bank, with 148 applications in 2025 and a denial rate of 9.5%.
The median mortgage application in Noble County in 2025 was for $150,000; the median property value on originated loans was $245,000.