Largest lenders in Allen County
| # | Lender | Grade | Applications | Originated | Denial rate | Median rate |
|---|---|---|---|---|---|---|
| 1 | Edmonton State Bank | C | 85 | 63 | 10.6% | — |
| 2 | South Central Bank | B | 78 | 66 | 7.7% | 6.63% |
| 3 | Vanderbilt Mortgage and Finance | F | 60 | 9 | 36.7% | 9.75% |
| 4 | Rocket Mortgage | C | 49 | 36 | 20.4% | 6.62% |
| 5 | U.S. Bank | D | 48 | 29 | 22.9% | 6.88% |
| 6 | Atlantic Bay Mortgage Group | A | 36 | 24 | 5.6% | 6.19% |
| 7 | Pennymac Loan Services | C | 27 | 12 | 18.5% | 5.99% |
| 8 | United Shore Financial Services | B | 26 | 17 | 30.8% | 5.99% |
| 9 | Abound Federal Credit Union | C | 24 | 11 | 16.7% | 6.38% |
| 10 | Mortgage Research Center | C | 23 | 12 | 8.7% | 6.13% |
| 11 | FirstBank | C | 20 | 13 | 25.0% | 7.50% |
| 12 | Freedom Mortgage | B | 17 | 12 | 0.0% | 6.50% |
| 13 | First Community Mortgage | A | 16 | 12 | 18.8% | 6.25% |
| 14 | Stockton Mortgage | D | 16 | 10 | 6.3% | 6.31% |
| 15 | 21st Mortgage | F | 13 | 3 | 53.9% | 8.50% |
| 16 | Broker Solutions | D | 13 | 3 | 15.4% | 6.88% |
| 17 | German American Bank | A | 13 | 9 | 30.8% | 7.25% |
| 18 | Newrez | D | 12 | 3 | 33.3% | 6.25% |
| 19 | American Bank & Trust Company | C | 12 | 10 | 16.7% | — |
| 20 | Truist Bank | C | 11 | 5 | 27.3% | 6.63% |
| 21 | Liberty | B | 10 | 8 | 10.0% | 6.06% |
| 22 | Navy Federal Credit Union | D | 10 | 7 | 20.0% | 5.88% |
| 23 | Acopia | A | 9 | 7 | 0.0% | 6.25% |
| 24 | Ross Mortgage | B | 9 | 5 | 0.0% | 6.38% |
| 25 | Citizens Bank of Lafayette | A | 8 | 8 | 0.0% | 7.70% |
Best approval odds in Allen County
Lowest decision denial rate among lenders that decided at least 50 applications here in 2025.
| # | Lender | Decided | Decision denial rate |
|---|---|---|---|
| 1 | South Central Bank | 75 | 8.0% |
| 2 | Edmonton State Bank | 73 | 12.3% |
What Allen County borrowers applied for
By loan purpose
By loan type
Why applications were denied
Allen County by year
| Year | Applications | Originated | Denial rate | Median rate | Median loan |
|---|---|---|---|---|---|
| 2023 | 765 | 451 | 20.8% | 7.00% | $145,000 |
| 2024 | 935 | 564 | 19.3% | 7.00% | $155,000 |
| 2025 | 904 | 537 | 17.5% | 6.63% | $165,000 |
Frequently asked questions
17.5% of applications in Allen County were denied in 2025, against 18.8% statewide in Kentucky.
Edmonton State Bank, with 85 applications in 2025 and a denial rate of 10.6%.
The median mortgage application in Allen County in 2025 was for $165,000; the median property value on originated loans was $255,000.