Largest lenders in Wabash County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Ruoff Mortgage Company | A | 121 | 92 | 7.4% | 6.88% |
| 2 | Crossroads Bank | A | 97 | 84 | 6.2% | — |
| 3 | Beacon Credit Union | C | 95 | 81 | 5.3% | 7.25% |
| 4 | Rocket Mortgage | C | 58 | 41 | 20.7% | 6.75% |
| 5 | First Merchants Bank | C | 52 | 36 | 15.4% | 7.00% |
| 6 | First Farmers Bank & Trust | C | 45 | 30 | 15.6% | 7.50% |
| 7 | Newrez | D | 42 | 22 | 16.7% | 6.75% |
| 8 | Lake City Bank | B | 27 | 22 | 7.4% | 7.38% |
| 9 | Flagstar Bank | C | 26 | 7 | 23.1% | 7.25% |
| 10 | Mortgage Research Center | C | 24 | 12 | 20.8% | 6.13% |
| 11 | Freedom Mortgage | B | 23 | 8 | 4.4% | 5.75% |
| 12 | 21st Mortgage | F | 21 | 1 | 76.2% | 8.75% |
| 13 | GoodLeap | C | 19 | 10 | 15.8% | 9.40% |
| 14 | American Neighborhood Mortgage Acceptance Company | B | 18 | 14 | 0.0% | 6.63% |
| 15 | Broker Solutions | D | 18 | 9 | 16.7% | 6.75% |
| 16 | Loandepot.Com | D | 15 | 8 | 33.3% | 6.75% |
| 17 | AmeriSave Mortgage | D | 13 | 4 | 61.5% | 8.44% |
| 18 | Everwise Credit Union | C | 12 | 8 | 16.7% | 6.31% |
| 19 | Fifth Third Bank | D | 11 | 6 | 18.2% | 9.44% |
| 20 | STAR Financial Bank | C | 11 | 5 | 45.5% | 6.00% |
| 21 | Union Home Mortgage | B | 11 | 9 | 0.0% | 6.63% |
| 22 | Gvc Mortgage | B | 11 | 7 | 18.2% | 6.88% |
| 23 | Coastal Community Bank | C | 11 | 2 | 0.0% | 10.87% |
| 24 | Discover Bank | F | 10 | 0 | 70.0% | — |
| 25 | First Financial Bank | D | 10 | 5 | 40.0% | 5.99% |
Best approval odds in Wabash County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | Beacon Credit Union | 88 | 5.7% |
| 2 | Crossroads Bank | 97 | 6.2% |
| 3 | Ruoff Mortgage Company | 113 | 8.0% |
| 4 | Rocket Mortgage | 55 | 21.8% |
What Wabash County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Wabash County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 924 | 600 | 14.5% | 7.00% | $105,000 |
| 2024 | 953 | 636 | 15.8% | 7.00% | $105,000 |
| 2025 | 1,130 | 715 | 17.0% | 6.88% | $125,000 |
Frequently asked questions
17.0% of applications in Wabash County were denied in 2025, against 16.6% statewide in Indiana.
Ruoff Mortgage Company, with 121 applications in 2025 and a denial rate of 7.4%.
The median mortgage application in Wabash County in 2025 was for $125,000; the median property value on originated loans was $195,000.