Largest lenders in Tipton County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | First Farmers Bank & Trust | C | 85 | 64 | 5.9% | 7.13% |
| 2 | STAR Financial Bank | C | 63 | 36 | 25.4% | 6.25% |
| 3 | Rocket Mortgage | C | 36 | 21 | 27.8% | 6.75% |
| 4 | Ruoff Mortgage Company | A | 30 | 20 | 0.0% | 6.81% |
| 5 | Encompass Federal Credit Union | B | 29 | 25 | 3.5% | — |
| 6 | Zippy Loans | D | 19 | 6 | 52.6% | 8.00% |
| 7 | United Shore Financial Services | B | 16 | 12 | 6.3% | 6.32% |
| 8 | SOLIDARITY COMMUNITY Federal Credit Union | C | 16 | 10 | 25.0% | 7.75% |
| 9 | Gvc Mortgage | B | 16 | 13 | 0.0% | 6.75% |
| 10 | Mortgage Research Center | C | 14 | 6 | 21.4% | 6.00% |
| 11 | The Huntington National Bank | D | 14 | 7 | 28.6% | 8.14% |
| 12 | Freedom Mortgage | B | 13 | 6 | 7.7% | 6.13% |
| 13 | Newrez | D | 12 | 3 | 0.0% | 7.00% |
| 14 | Plaza Home Mortgage | C | 11 | 10 | 9.1% | 6.56% |
| 15 | Loandepot.Com | D | 10 | 5 | 40.0% | 7.75% |
| 16 | JPMorgan Chase Bank | B | 9 | 4 | 22.2% | 7.06% |
| 17 | Carrington Mortgage Services | D | 9 | 2 | 66.7% | 8.75% |
| 18 | Broker Solutions | D | 8 | 5 | 0.0% | 9.40% |
| 19 | BMO Bank | F | 8 | 4 | 25.0% | 7.97% |
| 20 | First Merchants Bank | C | 7 | 5 | 14.3% | 6.50% |
| 21 | Pennymac Loan Services | C | 7 | 5 | 14.3% | 5.75% |
| 22 | PNC Bank | D | 7 | 4 | 28.6% | 8.05% |
| 23 | Community First Bank of Indiana | B | 7 | 6 | 0.0% | 7.63% |
| 24 | AmeriSave Mortgage | D | 7 | 2 | 71.4% | 7.94% |
| 25 | Spring Eq | D | 7 | 3 | 42.9% | 7.73% |
Best approval odds in Tipton County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | First Farmers Bank & Trust | 82 | 6.1% |
| 2 | STAR Financial Bank | 56 | 28.6% |
What Tipton County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Tipton County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 502 | 333 | 16.7% | 7.25% | $105,000 |
| 2024 | 615 | 392 | 19.5% | 7.25% | $105,000 |
| 2025 | 679 | 432 | 15.6% | 6.88% | $125,000 |
Frequently asked questions
15.6% of applications in Tipton County were denied in 2025, against 16.6% statewide in Indiana.
First Farmers Bank & Trust, with 85 applications in 2025 and a denial rate of 5.9%.
The median mortgage application in Tipton County in 2025 was for $125,000; the median property value on originated loans was $245,000.