Largest lenders in Sullivan County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Financial Bank | C | 146 | 103 | 19.9% | 6.75% |
| 2 | Fifth Third Bank | D | 93 | 46 | 24.7% | 7.75% |
| 3 | Ruoff Mortgage Company | A | 53 | 45 | 7.6% | 6.88% |
| 4 | Rocket Mortgage | C | 44 | 32 | 25.0% | 6.99% |
| 5 | First Farmers Bank & Trust | C | 32 | 27 | 15.6% | 7.13% |
| 6 | Mortgage Research Center | C | 24 | 13 | 8.3% | 6.75% |
| 7 | AmeriSave Mortgage | D | 21 | 3 | 71.4% | 9.75% |
| 8 | Crane | C | 21 | 14 | 28.6% | 6.69% |
| 9 | Newrez | D | 12 | 3 | 41.7% | 5.75% |
| 10 | Old National Bank | B | 11 | 6 | 36.4% | 7.06% |
| 11 | Freedom Mortgage | B | 10 | 7 | 0.0% | 6.38% |
| 12 | Loandepot.Com | D | 10 | 6 | 40.0% | 6.69% |
| 13 | Regions Bank | C | 9 | 4 | 44.4% | 5.87% |
| 14 | 21st Mortgage | F | 9 | 3 | 55.6% | 8.77% |
| 15 | Carrington Mortgage Services | D | 8 | 1 | 87.5% | 11.63% |
| 16 | United Shore Financial Services | B | 8 | 4 | 12.5% | 5.62% |
| 17 | Gvc Mortgage | B | 8 | 7 | 0.0% | 6.63% |
| 18 | Vanderbilt Mortgage and Finance | F | 8 | 1 | 37.5% | 11.75% |
| 19 | Owen County State Bank | C | 8 | 7 | 12.5% | — |
| 20 | Figure Lending | C | 8 | 5 | 37.5% | 9.25% |
| 21 | The Riddell National Bank | B | 8 | 8 | 0.0% | 7.56% |
| 22 | Discover Bank | F | 7 | 0 | 85.7% | — |
| 23 | Crosscountry Mortgage | B | 7 | 6 | 0.0% | 6.25% |
| 24 | Navy Federal Credit Union | D | 7 | 4 | 14.3% | 8.25% |
| 25 | Stockton Mortgage | D | 6 | 5 | 0.0% | 6.75% |
Best approval odds in Sullivan 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 | 51 | 7.8% |
| 2 | First Financial Bank | 137 | 21.2% |
| 3 | Fifth Third Bank | 72 | 31.9% |
What Sullivan County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Sullivan County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 597 | 330 | 25.3% | 7.25% | $85,000 |
| 2024 | 634 | 377 | 22.7% | 7.25% | $85,000 |
| 2025 | 750 | 443 | 24.5% | 6.99% | $105,000 |
Frequently asked questions
24.5% of applications in Sullivan County were denied in 2025, against 16.6% statewide in Indiana.
First Financial Bank, with 146 applications in 2025 and a denial rate of 19.9%.
The median mortgage application in Sullivan County in 2025 was for $105,000; the median property value on originated loans was $185,000.