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Mortgage Lenders and Brokers in Carmel, Indiana

Content reviewed by

Brian McKay | iEditorial Disclosure | ✓Fact Checked | Loan Rates Last Updated and Verified: October 7, 2026

Carmel, Indiana mortgage lenders include The National Bank of IndianapolisThe National Bank of Indianapolis5760 E Main St, Carmel, IN 46033A+5.0 ★Texas Ratio: 1.37%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA200 E Carmel Dr, Carmel, IN 46032A+5.0 ★Texas Ratio: 3.68%, Huntington National BankHuntington National Bank12505 Old Meridian St, Carmel, IN 46032A+5.0 ★Texas Ratio: 3.66%, Fifth Third Bank, National AssociationFifth Third Bank, National Association205 E Carmel Dr, Carmel, IN 46032A+5.0 ★Texas Ratio: 3.22%, Merchants Bank of IndianaMerchants Bank of Indiana410 Monon Blvd, Carmel, IN 46032A5.0 ★Texas Ratio: 11.97%, First Merchants BankFirst Merchants Bank10333 N Meridian St Ste 350, Carmel, IN 46290A+5.0 ★Texas Ratio: 4.12%, Regions BankRegions Bank2155 E 146th St, Carmel, IN 46033A+5.0 ★Texas Ratio: 4.37%, Old National BankOld National Bank1430 S Rangeline Rd, Carmel, IN 46032A+5.0 ★Texas Ratio: 4.98%, Bank of America NABank of America NA11530 Illinois Street, Carmel, IN 46032A+5.0 ★Texas Ratio: 4.14%, and Star Financial BankStar Financial Bank140 E Carmel Dr, Carmel, IN 46032A+5.0 ★Texas Ratio: 2.87%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.

Lenders are ranked only by the number of home loans they closed in Carmel, Indiana in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Carmel are listed first, then lenders elsewhere in Indiana, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.

Mortgage Lenders and Brokers in Carmel, Indiana

Market share is the lender's share of all home loans closed in Carmel, Indiana. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.

Lender	Programs	Loans closed	Market share	Approval share	Average loan	View
The National Bank of Indianapolis 5 offices in Carmel 5760 E Main St, Carmel, IN 46033 A+5.0 ★Texas Ratio: 1.37%	Conventional, Jumbo	77	3.8%	97.5%	$440,194	View
JPMorgan Chase Bank, NA 4 offices in Carmel 200 E Carmel Dr, Carmel, IN 46032 A+5.0 ★Texas Ratio: 3.68%	Conventional, Jumbo, HELOC	76 +13 HELOCs	3.8%	94%	$620,394	View
Huntington National Bank 2 offices in Carmel 12505 Old Meridian St, Carmel, IN 46032 A+5.0 ★Texas Ratio: 3.66%	Conventional, FHA, Jumbo, HELOC	50 +99 HELOCs	2.5%	87.7%	$522,600	View
Fifth Third Bank, National Association 2 offices in Carmel 205 E Carmel Dr, Carmel, IN 46032 A+5.0 ★Texas Ratio: 3.22%	Conventional, Jumbo, HELOC	33 +71 HELOCs	1.6%	83.3%	$598,636	View
Merchants Bank of Indiana 1 office in Carmel 410 Monon Blvd, Carmel, IN 46032 A5.0 ★Texas Ratio: 11.97%	Conventional, Jumbo, HELOC	23 +17 HELOCs	1.1%	95.8%	$795,000	View
First Merchants Bank 2 offices in Carmel 10333 N Meridian St Ste 350, Carmel, IN 46290 A+5.0 ★Texas Ratio: 4.12%	Conventional, Jumbo, HELOC	18 +17 HELOCs	0.9%	100%	$676,666	View
Regions Bank 2 offices in Carmel 2155 E 146th St, Carmel, IN 46033 A+5.0 ★Texas Ratio: 4.37%	Conventional, Jumbo, HELOC	17 +18 HELOCs	0.8%	90%	$1,486,176	View
Old National Bank 1 office in Carmel 1430 S Rangeline Rd, Carmel, IN 46032 A+5.0 ★Texas Ratio: 4.98%	Conventional, Jumbo, HELOC	16 +31 HELOCs	0.8%	94.1%	$607,500	View
Bank of America NA 2 offices in Carmel 11530 Illinois Street, Carmel, IN 46032 A+5.0 ★Texas Ratio: 4.14%	Conventional, Jumbo, HELOC	15 +20 HELOCs	0.7%	100%	$947,666	View
Star Financial Bank 1 office in Carmel 140 E Carmel Dr, Carmel, IN 46032 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	14 +9 HELOCs	0.7%	100%	$840,000	View
PNC Bank N.A. ★ 1.7 stars, 3 reviews 2 offices in Carmel 10570 N Michigan Rd, Carmel, IN 46032 A+5.0 ★Texas Ratio: 4.24%	Conventional, Jumbo, HELOC	9 +57 HELOCs	0.4%	90%	$473,888	View
Horizon Bank 1 office in Carmel 1216 W Carmel Dr, Carmel, IN 46032 A+5.0 ★Texas Ratio: 4.40%	Conventional, Jumbo, HELOC	9 +33 HELOCs	0.4%	100%	$470,555	View
Centier Bank 1 office in Carmel 650 E Carmel Dr, Carmel, IN 46032 A5.0 ★Texas Ratio: 6.45%	Conventional, Jumbo, HELOC	9 +3 HELOCs	0.4%	100%	$738,333	View
BMO Harris Bank NA 1 office in Carmel 11592 Westfield Blvd, Carmel, IN 46032 A+5.0 ★Texas Ratio: 3.54%	Conventional, Jumbo, HELOC	6 +40 HELOCs	0.3%	77.8%	$476,666	View
First Financial Bank 1 office in Carmel 751 City Center Dr, Carmel, IN 46032 A+5.0 ★Texas Ratio: 3.21%	Conventional, Jumbo, HELOC	4 +42 HELOCs	0.2%	57.1%	$417,500	View
Keybank National Association 1 office in Carmel 501 E Carmel Dr, Carmel, IN 46032 A+5.0 ★Texas Ratio: 4.81%	Conventional, HELOC	4 +1 HELOCs	0.2%	57.1%	$220,000	View
Lake City Bank 2 offices in Carmel 9640 N Michigan Rd, Carmel, IN 46032 A+5.0 ★Texas Ratio: 2.66%	Conventional, Jumbo, HELOC	3 +24 HELOCs	0.1%	60%	$2,045,000	View
Citizens State Bank of New Castle 1 office in Carmel 902 S Rangeline Rd, Carmel, IN 46032 A+5.0 ★Texas Ratio: 2.45%	Conventional, Jumbo	2	0.1%	50%	$680,000	View
Stock Yards Bank & Trust Company 1 office in Carmel 11450 N Meridian St, Carmel, IN 46032 A+5.0 ★Texas Ratio: 1.99%	Conventional, HELOC	1 +3 HELOCs	0%	100%	$415,000	View
First Farmers Bank & Trust 1 office in Carmel 11711 N Pennsylvania St Suite 112, Carmel, IN 46032 A5.0 ★Texas Ratio: 7.53%	Conventional, HELOC	1 +2 HELOCs	0%	100%	$805,000	View
1St Source Bank 1 office in Carmel 10570 North Michigan Road, Carmel, IN 46032 A+5.0 ★Texas Ratio: 5.01%	HELOC	0 +5 HELOCs	0%	n/a		View
Busey Bank 1 office in Carmel 11550 N Meridian St, Carmel, IN 46032 A+5.0 ★Texas Ratio: 2.31%	HELOC	0 +3 HELOCs	0%	n/a		View
Indiana Members Credit Union 12725 Old Meridian St, Carmel, IN 46032 8732 A+5.0 ★Texas Ratio: 2.64%	Conventional, Jumbo, HELOC	59 +42 HELOCs	2.9%	88.4%	$247,881	View
FORUM Credit Union 2259 E 116th St, Carmel, IN 46032 3279 A+5.0 ★Texas Ratio: 1.80%	Conventional, HELOC	53 +25 HELOCs	2.6%	98.1%	$251,415	View
US Bank, N.A. 720 W 30th St, Connersville, IN 47331 A+5.0 ★Texas Ratio: 2.85%	Conventional, FHA, Jumbo, HELOC	23 +9 HELOCs	1.1%	82.8%	$478,478	View
Everwise Credit Union 1424 W Carmel Dr, Carmel, IN 46032 A5.0 ★Texas Ratio: 6.81%	Conventional, Jumbo, HELOC	21 +15 HELOCs	1%	100%	$1,508,809	View
The State Bank & Trust Company 307 North Wayne Street, Angola, IN 46703 A+5.0 ★Texas Ratio: 1.99%	Conventional, FHA, HELOC	16 +4 HELOCs	0.8%	94.1%	$385,000	View
Wesbanco Bank, Inc. 701 Highlander Point Dr, Floyds Knobs, IN 47119 A+5.0 ★Texas Ratio: 3.87%	Conventional, Jumbo, HELOC	10 +1 HELOCs	0.5%	76.9%	$1,540,000	View
Jackson County Bank 2635 16th St, Bedford, IN 47421 A5.0 ★Texas Ratio: 7.28%	Conventional, Jumbo	7	0.3%	100%	$1,259,285	View
Financial Center First Credit Union 20 N Emerson Ave, Greenwood, IN 46143 8895 A+5.0 ★Texas Ratio: 4.51%	Conventional	4	0.2%	80%	$152,500	View
Truist Bank ★ 1 stars, 1 review 4210 Charlestown Rd, New Albany, IN 47150 A+5.0 ★Texas Ratio: 2.87%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.1%	100%	$1,335,000	View
Indiana University CU 105 E Winslow Rd, Bloomington, IN 47401 A+5.0 ★Texas Ratio: 4.12%	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$735,000	View
The Home National Bank of Thorntown 2510 N Lebanon St, Lebanon, IN 46052 A+5.0 ★Texas Ratio: 4.55%	Conventional	2	0.1%	100%	$335,000	View
Partners 1St Federal Credit Union 6210 W Jefferson Blvd, Fort Wayne, IN 46804 3073 A+5.0 ★Texas Ratio: 5.29%	Conventional	2	0.1%	100%	$40,000	View
Solidarity Community Federal Credit Union 201 E Southway Blvd, Kokomo, IN 46902 3677 A+5.0 ★Texas Ratio: 1.84%	Conventional	2	0.1%	100%	$330,000
Civista Bank 500 Green Blvd, Aurora, IN 47001 A+5.0 ★Texas Ratio: 4.72%	Conventional	2	0.1%	100%	$450,000	View
Centra Credit Union 11711 Pennsylvania St Ste 101, Carmel, IN 46032 4559 A+5.0 ★Texas Ratio: 5.34%	Conventional, Jumbo, HELOC	1 +8 HELOCs	0%	50%	$1,775,000	View
Northwest Bank 401 W State St, Albany, IN 47320 A+5.0 ★Texas Ratio: 3.99%	Conventional, HELOC	1 +2 HELOCs	0%	100%	$65,000	View
Notre Dame Federal Credit Union 14535 State Road 23, Granger, IN 46530 A+5.0 ★Texas Ratio: 4.39%	Conventional, HELOC	1 +2 HELOCs	0%	100%	$55,000	View
German American Bank 2606 16th St, Bedford, IN 47421 A+5.0 ★Texas Ratio: 1.93%	FHA	1	0%	100%	$485,000	View
Mortgage Masters of Indiana Inc 801 S Memorial Dr, New Castle, IN 47362 A+5.0 ★Texas Ratio: 3.37%	Conventional	1	0%	100%	$525,000	View
First Bank of Berne ★ 4 stars, 1 review 1105 Us Highway 27 N, Berne, IN 46711 A4.9 ★Texas Ratio: 5.48%	Conventional	1	0%	100%	$215,000	View
Community First Bank of IND 9333 N Meridian St, Indianapolis, IN 46260 A5.0 ★Texas Ratio: 13.92%	Conventional	1	0%	50%	$375,000	View
Citizens Bank 99 S Dan Jones Rd, Avon, IN 46123 A+5.0 ★Texas Ratio: 0.64%	Conventional	1	0%	100%	$325,000	View
Greenfield Banking Company 12140 E Washington St, Cumberland, IN 46229 A+5.0 ★Texas Ratio: 5.68%	Conventional	1	0%	50%	$805,000	View
Beacon Credit Union 136 W 7th St, Auburn, IN 46706 A+5.0 ★Texas Ratio: 2.46%	Conventional	1	0%	100%	$175,000	View
Peoples Bank 10201 W 133rd Ave, Cedar Lake, IN 46303 A5.0 ★Texas Ratio: 10.43%	Conventional	1	0%	100%	$155,000	View
FCN Bank 1060 State Road 229, Batesville, IN 47006 A+5.0 ★Texas Ratio: 0.13%	Conventional	1	0%	100%	$85,000	View
First Federal Savings Bank 206 W Plymouth St, Bremen, IN 46506 A5.0 ★Texas Ratio: 6.90%	Conventional	1	0%	100%	$375,000	View
Cfbank NA ★ 1 stars, 1 review 4729 E 82nd St, Indianapolis, IN 46250 A+5.0 ★Texas Ratio: 5.55%	Conventional	1	0%	100%	$805,000	View
North Salem State Bank 9 W Kentucky St, Clayton, IN 46118 A5.0 ★Texas Ratio: 6.01%	Conventional	1	0%	100%	$425,000	View
First Financial Bank NA 7995 N State Road 59, Brazil, IN 47834 A+5.0 ★Texas Ratio: 4.65%	HELOC	0 +3 HELOCs	0%	n/a		View
Elements Financial Federal Cre	Conventional, VA, Jumbo, HELOC	73 +38 HELOCs	3.6%	96.1%	$483,630
Gvc Mortgage, Inc.	Conventional, FHA, VA, Jumbo	68	3.4%	98.6%	$448,235
Ruoff Mortgage Company	Conventional, FHA	57	2.8%	98.5%	$429,736
Mjw Financial LLC dba Mjw Mortgage	Conventional, VA, Jumbo	54	2.7%	100%	$480,555
Purdue Federal Cu	Conventional, HELOC	3 +4 HELOCs	0.1%	100%	$445,000
Royal United Mortgage LLC	Conventional	2	0.1%	66.7%	$315,000
The Farmers Bank A+5.0 ★Texas Ratio: 4.32%	Conventional	2	0.1%	100%	$90,000	View
X - Financial Builders FCU - Deconverted	Conventional	1	0%	100%	$65,000
First Federal Savings and Loan	Conventional	1	0%	100%	$565,000
Three Rivers Federal Crediit U	HELOC	0 +1 HELOCs	0%	n/a
Rocket Mortgage	Conventional, FHA, VA, Jumbo, HELOC	144 +2 HELOCs	7.2%	89.3%	$353,333
United Wholesale Mortgage	Conventional, FHA, VA, Jumbo, HELOC	136 +4 HELOCs	6.8%	97.9%	$503,676
Union Savings Bank	Conventional, VA, HELOC	64 +26 HELOCs	3.2%	100%	$383,281
Fairway Independent Mort Corp	Conventional, FHA, VA, Jumbo, HELOC	58 +1 HELOCs	2.9%	95.1%	$469,827
Pulte Mortgage LLC	Conventional, FHA	52	2.6%	94.5%	$386,923
CrossCountry Mortgage, LLC	Conventional, FHA, VA, Jumbo	38	1.9%	95%	$425,263
Union Home Mortgage Corp.	Conventional, Jumbo	35	1.7%	100%	$415,285
Guaranteed Rate, Inc.	Conventional, FHA, VA, Jumbo	30	1.5%	100%	$480,666
Guild Mortgage Company	Conventional, FHA, Jumbo	28	1.4%	97.1%	$453,214
Newrez LLC	Conventional, VA, Jumbo	27	1.3%	77.1%	$359,444
Nationstar Mortgage	Conventional, FHA, VA	26	1.3%	86.7%	$254,230
Freedom Mortgage Corporation	Conventional, FHA, VA, Jumbo	22	1.1%	88.9%	$453,636
Provident Funding Associates	Conventional	19	0.9%	95%	$389,736
American Neighborhood Mortgage Acceptance Company	Conventional, VA	16	0.8%	100%	$393,750
Milestone Home Lending, LLC	Conventional, Jumbo	14	0.7%	93.8%	$447,857
Howard Hanna Financial Services, Inc	Conventional, Jumbo	13	0.6%	100%	$441,153
Pennymac Loan Services LLC	Conventional, FHA, VA, Jumbo	13	0.6%	93.8%	$535,769
First Community Mortgage, Inc. A+5.0 ★Texas Ratio: 3.86%	Conventional, FHA, Jumbo	12	0.6%	100%	$539,166	View
Wells Fargo Bank NA A+5.0 ★Texas Ratio: 5.36%	Conventional	12	0.6%	100%	$455,833	View
loanDepot.com LLC	Conventional, VA, HELOC	11 +3 HELOCs	0.5%	63.2%	$399,545
Prosperity Home Mortgage, LLC	Conventional, FHA, Jumbo	11	0.5%	100%	$468,636
Mutual of Omaha Mortgage	Conventional, FHA	11	0.5%	91.7%	$514,090
Sofi Bank, National Association A+5.0 ★Texas Ratio: 0.51%	Conventional, FHA	11	0.5%	80%	$336,818	View
Navy Federal Credit Union	Conventional, VA, HELOC	9 +4 HELOCs	0.4%	80%	$291,666
Sage Home Loans Corporation	Conventional, Jumbo	9	0.4%	91.7%	$573,888
Flat Branch Mortgage, Inc.	Conventional, FHA	9	0.4%	100%	$567,222
Mortgage Research Center	Conventional, VA	9	0.4%	75%	$431,666
New American Funding, LLC.	Conventional, FHA	8	0.4%	66.7%	$405,000
Plaza Home Mortgage, Inc	Conventional, FHA, Jumbo	8	0.4%	100%	$433,750
Spring Eq, LLC	Conventional, HELOC	7 +5 HELOCs	0.3%	61.5%	$123,571
Stifel Bank & Trust A-4.8 ★Texas Ratio: 12.33%	Conventional, Jumbo	7	0.3%	100%	$530,714	View
Morgan Stanley Private Bank NA A4.8 ★Texas Ratio: 2.45%	Conventional, Jumbo	7	0.3%	100%	$825,000	View
Primelending	Conventional	6	0.3%	100%	$398,333
Highlands Residential Mortgage, Ltd.	Conventional	6	0.3%	100%	$393,333
The Loan Store, Inc	Conventional	6	0.3%	100%	$315,000
Vanderbilt Mortgage and Finance, Inc	Conventional, FHA	6	0.3%	100%	$365,000
Lower, LLC	Conventional, HELOC	5 +2 HELOCs	0.2%	83.3%	$471,000
Nbkc Bank	Conventional, VA	5	0.2%	100%	$473,000
Kind Lending, LLC	Conventional	5	0.2%	71.4%	$439,000
Discover Bank	Conventional	5	0.2%	30%	$123,000
Ubs Bank USA ★ 5 stars, 1 review A+5.0 ★Texas Ratio: 1.21%	Conventional, Jumbo	5	0.2%	100%	$1,087,000	View
Third Federal Savings and Loan A+5.0 ★Texas Ratio: 2.32%	Conventional, HELOC	4 +20 HELOCs	0.2%	80%	$172,500	View
Citizens Bank, NA A+5.0 ★Texas Ratio: 5.44%	Conventional, Jumbo, HELOC	4 +15 HELOCs	0.2%	80%	$495,000	View
Goodleap, LLC	Conventional, FHA, HELOC	4 +1 HELOCs	0.2%	57.1%	$222,500
Guaranteed Rate Affinity, LLC	Conventional, Jumbo	4	0.2%	100%	$607,500
Liberty Federal Credit Union A+5.0 ★Texas Ratio: 2.97%	Conventional, Jumbo	4	0.2%	100%	$687,500	View
Charles Schwab Bank, Ssb A+5.0 ★Texas Ratio: 0.14%	Conventional, Jumbo	4	0.2%	100%	$487,500	View
Gateway First Bank B+4.8 ★Texas Ratio: 17.16%	Conventional	4	0.2%	100%	$460,000	View
Amerisave Mortgage Company	Conventional, FHA	4	0.2%	28.6%	$192,500
Homestead Funding Corp.	Conventional	4	0.2%	100%	$570,000
First Federal Bank A+5.0 ★Texas Ratio: 1.10%	Conventional, VA	4	0.2%	100%	$540,000	View
Wolfe Financial Inc	Conventional	4	0.2%	100%	$522,500
Arvest Bank A5.0 ★Texas Ratio: 7.48%	Conventional	4	0.2%	100%	$385,000	View
Better Mortgage Corporation	Conventional, Jumbo	4	0.2%	57.1%	$672,500
Plains Commerce Bank A5.0 ★Texas Ratio: 9.09%	Conventional, FHA	4	0.2%	100%	$472,500	View
Digital Federal Credit Union	Conventional, HELOC	3 +3 HELOCs	0.1%	100%	$201,666
Citibank, NA A+5.0 ★Texas Ratio: 2.82%	Conventional, Jumbo, HELOC	3 +1 HELOCs	0.1%	100%	$1,338,333	View
Genisys Credit Union	Conventional, Jumbo	3	0.1%	100%	$591,666
Cornerstone First Mortgage, LLC	Conventional	3	0.1%	100%	$555,000
Atlantic Union Bank A+5.0 ★Texas Ratio: 2.51%	Conventional	3	0.1%	100%	$411,666	View
Guidance Residential, LLC	Conventional	3	0.1%	100%	$488,333
PHH Mortgage Corporation	Conventional	3	0.1%	100%	$208,333
Filo Mortgage, LLC	Conventional, VA	3	0.1%	100%	$541,666
Cmg Mortgage Inc	Conventional, FHA	3	0.1%	100%	$501,666
Success Mortgage Partners, Inc	Conventional	3	0.1%	100%	$438,333
SIRVA Mortgage, Inc.	Conventional	3	0.1%	100%	$471,666
American Internet Mortgage, Inc.	Conventional	3	0.1%	75%	$251,666
First Option Mortgage, LLC	Conventional	3	0.1%	100%	$305,000
First Equity Mortgage Inc	Conventional	3	0.1%	100%	$318,333
Sierra Pacific Mortgage Co. Inc	Conventional	3	0.1%	100%	$255,000
Ixonia Bank A+5.0 ★Texas Ratio: 2.14%	Conventional, FHA	3	0.1%	100%	$245,000	View
Carrington Mortgage Services LLC	Conventional	3	0.1%	66.7%	$65,000
Leaderone Financial Corp.	Conventional, VA, Jumbo	3	0.1%	100%	$1,121,666
Tomo Mortgage LLC	Conventional, FHA	3	0.1%	100%	$385,000
Alliant Credit Union	Conventional, VA, HELOC	2 +5 HELOCs	0.1%	100%	$550,000
Valon Mortgage	Conventional, HELOC	2 +2 HELOCs	0.1%	100%	$425,000
Premia Mortgage, LLC A5.0 ★Texas Ratio: 13.21%	Conventional, FHA	2	0.1%	100%	$330,000	View
Everett Financial, Inc.	Conventional	2	0.1%	100%	$260,000
Lakeview Loan Servicing, LLC	Conventional, FHA	2	0.1%	33.3%	$445,000
Go Mortgage, LLC	Conventional	2	0.1%	100%	$550,000
American Financial Network, Inc.	Conventional, VA	2	0.1%	100%	$405,000
General Mortgage Capital Corporation	Conventional	2	0.1%	100%	$690,000
Advisors Mortgage Group, LLC	Conventional	2	0.1%	100%	$345,000
Sun West Mortgage Company, Inc	Conventional, FHA	2	0.1%	100%	$475,000
Bay Equity LLC	Conventional	2	0.1%	100%	$230,000
Calcon Mutual Mortgage LLC	Conventional, Jumbo	2	0.1%	100%	$655,000
Usaa Federal Savings Bank B-3.5 ★Texas Ratio: 6.80%	Conventional	2	0.1%	40%	$255,000	View
Atlantic Bay Mortgage Group	Conventional	2	0.1%	100%	$350,000
Planet Home Lending, LLC	Conventional, FHA	2	0.1%	100%	$300,000
Armed Forces Bank, N.A. A+5.0 ★Texas Ratio: 4.81%	Conventional, VA, Jumbo	2	0.1%	66.7%	$900,000	View
United Home Loans, Inc.	Conventional	2	0.1%	100%	$525,000
BoxCar Mortgage, LLC	Conventional, FHA	2	0.1%	100%	$375,000
Nexbank A-5.0 ★Texas Ratio: 14.93%	Conventional, Jumbo	2	0.1%	66.7%	$600,000	View
Zillow Home Loans, LLC	Conventional	2	0.1%	100%	$405,000
Ark-La-Tex Financial Services LLC	Conventional, VA, Jumbo	2	0.1%	100%	$945,000
Champions Funding, LLC	Conventional	2	0.1%	100%	$725,000
Pentagon Federal Credit Union	Conventional, HELOC	1 +2 HELOCs	0%	50%	$435,000
Polaris Home Funding Corp.	Conventional	1	0%	100%	$435,000
Arc Home LLC	Conventional, Jumbo	1	0%	100%	$1,065,000
Georgia'S Own Credit Union	Conventional, Jumbo	1	0%	100%	$1,505,000
A&D Mortgage LLC A+5.0 ★Texas Ratio: 4.11%	Conventional	1	0%	100%	$365,000	View
Panorama Mortgage Group, LLC	Conventional	1	0%	100%	$335,000
Originpoint, LLC	Conventional	1	0%	100%	$285,000
Luminate Bank A5.0 ★Texas Ratio: 11.06%	Conventional, Jumbo	1	0%	100%	$875,000	View
Gold Star Mortgage Financial Group, Corporation	Conventional	1	0%	100%	$455,000
Allied Mortgage Group, Inc	Conventional	1	0%	100%	$555,000
AmeriHome Mortgage Company, LLC	Conventional	1	0%	100%	$125,000
M&T Bank A+5.0 ★Texas Ratio: 4.11%	FHA	1	0%	100%	$285,000	View
Resicentral LLC	Conventional	1	0%	100%	$255,000
Deephaven Mortgage LLC	Conventional, Jumbo	1	0%	100%	$1,235,000
Eustis Mortgage Corp	Conventional	1	0%	100%	$435,000
Acre Mortgage & Financial, Inc.	Conventional	1	0%	100%	$145,000
Nqm Funding, LLC	VA	1	0%	100%	$485,000
Lennar Mortgage, LLC	FHA	1	0%	100%	$435,000
Das Acquisition Company, LLC	Conventional	1	0%	100%	$365,000
New Wave Lending Group Inc	Conventional	1	0%	100%	$575,000
Ally Bank A5.0 ★Texas Ratio: 8.00%	Conventional	1	0%	100%	$525,000	View
Click n' Close, Inc.	FHA	1	0%	100%	$285,000
American Financing Corporation	FHA	1	0%	50%	$355,000
Greenville Federal A+5.0 ★Texas Ratio: 5.18%	Conventional, Jumbo	1	0%	100%	$905,000	View
American Heritage Lending, LLC	Conventional	1	0%	100%	$545,000
Congressional Federal Credit Union	Conventional	1	0%	100%	$25,000
Commerce Bank A+5.0 ★Texas Ratio: 0.89%	Conventional	1	0%	100%	$345,000	View
Stg Mortgage Inc	Conventional	1	0%	100%	$345,000
Leader Bank NA A+5.0 ★Texas Ratio: 0.22%	Conventional	1	0%	100%	$505,000	View
Hsbc Bank USA, NA A+5.0 ★Texas Ratio: 4.86%	Conventional, Jumbo	1	0%	100%	$1,325,000	View
Nations Lending Corporation	Conventional	1	0%	100%	$475,000
Lendsure Mortgage Corp.	Conventional, Jumbo	1	0%	100%	$2,105,000
Baxter Credit Union A5.0 ★Texas Ratio: 6.31%	Conventional	1	0%	100%	$285,000
Change Lending A+5.0 ★Texas Ratio: 3.68%	Conventional	1	0%	100%	$615,000	View
Lake Michigan Credit Union	Conventional	1	0%	100%	$745,000
Member First Mortgage, LLC	Conventional	1	0%	100%	$595,000
Towne Mortgage Company	Conventional	1	0%	100%	$735,000
University Bank A+5.0 ★Texas Ratio: 3.82%	Conventional, Jumbo	1	0%	100%	$1,195,000	View
Iserve Residential Lending	Conventional	1	0%	100%	$495,000
RoundPoint Mortgage Servicing LLC	Conventional	1	0%	100%	$185,000
Johnson Bank A+5.0 ★Texas Ratio: 1.47%	Conventional	1	0%	100%	$555,000	View
The Central Trust Bank A+5.0 ★Texas Ratio: 3.12%	Conventional	1	0%	100%	$535,000	View
Bankers' Bank A5.0 ★Texas Ratio: 7.37%	Conventional	1	0%	50%	$445,000	View
Bank of Ann Arbor A+5.0 ★Texas Ratio: 1.88%	Conventional	1	0%	100%	$475,000	View
Heritage Bank NA C-3.6 ★Texas Ratio: 31.27%	Conventional	1	0%	100%	$665,000	View
Amalgamated Bank A5.0 ★Texas Ratio: 11.81%	Conventional, Jumbo	1	0%	100%	$1,065,000	View
Toyota Financial Savings Bank	Conventional	1	0%	100%	$325,000
The Federal Savings Bank B+4.8 ★Texas Ratio: 16.98%	Conventional	1	0%	100%	$45,000	View
Paramount Residential Mortgage	Conventional	1	0%	100%	$225,000
Nexera Holding LLC	Conventional	1	0%	100%	$155,000
Reliance First Capital, LLC	Conventional	1	0%	100%	$335,000
Village Capital & Investment	VA	1	0%	100%	$625,000
Figure Lending LLC	HELOC	0 +15 HELOCs	0%	n/a
Coastal Community Bank B4.5 ★Texas Ratio: 20.96%	HELOC	0 +9 HELOCs	0%	n/a		View
Fourleaf Federal Credit Union	HELOC	0 +3 HELOCs	0%	n/a
HomeBridge Financial Services, Inc	HELOC	0 +3 HELOCs	0%	n/a
Lendage, LLC dba Achieve Loans	HELOC	0 +2 HELOCs	0%	n/a
First American Bank A+5.0 ★Texas Ratio: 2.93%	HELOC	0 +2 HELOCs	0%	n/a		View
Usalliance Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Quorum Federal Credit Union A+5.0 ★Texas Ratio: 1.80%	HELOC	0 +1 HELOCs	0%	0%		View
Proponent FCU	HELOC	0 +1 HELOCs	0%	n/a
Affinity Federal Credit Union	HELOC	0 +1 HELOCs	0%	n/a
Peoples Bank A+5.0 ★Texas Ratio: 3.39%	HELOC	0 +1 HELOCs	0%	n/a		View
Wings Financial Credit Union	HELOC	0 +1 HELOCs	0%	n/a

Lender counts and market shares come from 2025 federal HMDA loan data, the public record of mortgage applications and closings. Health grades: MonitorBankRates, rates as of Oct 8, 2026.

Carmel Mortgage Rate Trends

Daily average mortgage rates for Indiana compared with the national average, updated every evening.

30-Year Fixed IN Avg

7.542%

▲ 0.158 vs 7 days ago

15-Year Fixed IN Avg

7.050%

▲ 0.077 vs 7 days ago

Mortgage Lenders and Mortgage Brokers Near Me in Carmel, Indiana

Looking for mortgage lenders near me or mortgage brokers near me in Carmel? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Carmel in 2025, with lenders based there listed first.

Types of Mortgage Lenders in Carmel, IN

Use these to narrow the list above. Each category shows how many Carmel, IN lenders fit and what that kind of lender is usually best for.

Mortgage companies and brokers 107 lenders. Nonbank lenders and brokers that shop several wholesale lenders; often the fastest closings Banks 85 lenders. Local and national banks with branches, portfolio and jumbo loans, and an MBR health grade Credit unions 30 lenders. Member owned, often lower fees and flexible underwriting for members FHA lenders 39 lenders. 3.5 percent down and credit scores into the 500s; the usual route for bad credit or low down payment buyers VA lenders 27 lenders. No down payment and no mortgage insurance for eligible veterans and service members Jumbo lenders 67 lenders. Loans above the conforming limit for higher priced homes Local lenders based in IN 44 lenders headquartered in Indiana, the closest thing to a mortgage lender near you

Who Lends in Carmel, IN

Independent mortgage companies closed 54.8 percent of home loans in Carmel, Indiana in 2025, banks 32.8 percent and credit unions 12.4 percent. Mortgage Masters of Indiana Inc was the largest mortgage company, The National Bank of Indianapolis the largest bank and Indiana Members Credit Union the largest credit union. Among lenders headquartered in Indiana, The National Bank of Indianapolis led with 77 loans.

54.8%

Mortgage companies

32.8%

Banks

12.4%

Credit unions

FHA loans

VA loans

How to Read This List

A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.

Title or escrow companies usually handle closings in Indiana. None

More Indiana Mortgage Lender Pages

All Indiana lenders 807 lenders Indianapolis city 389 lenders Fort Wayne 223 lenders Westfield 235 lenders Fishers 224 lenders Evansville 159 lenders South Bend 159 lenders Lafayette 153 lenders Noblesville 204 lenders Greenwood 186 lenders Kokomo 160 lenders Elkhart 118 lenders Avon 170 lenders

Frequently Asked Questions About Mortgage Lenders in Carmel, IN

Who is the largest mortgage lender in Carmel, IN?

By home loans closed in 2025, The National Bank of Indianapolis was the largest mortgage lender in Carmel, Indiana with 77 loans, about 3.8 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which mortgage lenders in Carmel, IN have the highest approval rates?

Among lenders with meaningful volume in Carmel, Indiana, Mjw Financial LLC dba Mjw Mortgage approved the highest share of completed applications in 2025 at 100 percent, against a 91.4 percent average for all lenders. Approval share reflects the applicants a lender attracts as much as its underwriting, so compare it alongside loan programs and median loan size. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Which Carmel, IN mortgage lenders offer FHA, VA and USDA loans?

39 lenders closed FHA loans in Carmel, Indiana in 2025, led by Rocket Mortgage with 12. 27 lenders closed VA loans, led by Fairway Independent Mort Corp. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

Are credit unions and local banks included in this Carmel, IN lender list?

Yes. 85 banks and 30 credit unions closed home loans in Carmel, Indiana in 2025, alongside 107 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.

How are mortgage lenders in Carmel, IN ranked on this page?

Lenders are ranked only by the number of home loans they closed in Carmel, Indiana during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.

Methodology and Sources

Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Carmel, Indiana for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Carmel. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.