Mortgage Lenders and Brokers in Clay City, Indiana
Brian McKay
|
iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
|
✓Fact Checked
|
Loan Rates Last Updated and Verified: October 7, 2026
Clay City, Indiana mortgage lenders include First Farmers Bank & TrustFirst Farmers Bank & Trust801 Main St, Clay City, IN 47841A5.0 ★Texas Ratio: 7.53%, First Financial Bank NAFirst Financial Bank NA502 Main St, Clay City, IN 47841A+5.0 ★Texas Ratio: 4.65%, Riddell National BankRiddell National Bank1 E National Ave, Brazil, IN 47834A5.0 ★Texas Ratio: 11.01%, Fifth Third Bank, National AssociationFifth Third Bank, National Association100 Growth Pkwy, Angola, IN 46703A+5.0 ★Texas Ratio: 3.22%, Northwest BankNorthwest Bank401 W State St, Albany, IN 47320A+5.0 ★Texas Ratio: 3.99%, The Hometown Savings BankThe Hometown Savings Bank260 E National Ave, Brazil, IN 47834B+4.2 ★Texas Ratio: 6.19%, PNC Bank N.A.PNC Bank N.A.111 N Harrison St, Alexandria, IN 46001A+5.0 ★Texas Ratio: 4.24%, Farmers & MechanicsFarmers & Mechanics1224 N State Road 45, Bloomfield, IN 47424D2.6 ★Texas Ratio: 16.22%, Crane Credit UnionCrane Credit Union1201 James Ave, Bedford, IN 47421A5.0 ★Texas Ratio: 8.44%, and Owen County State BankOwen County State Bank1037 15th Street, Bedford, IN 47421A4.9 ★Texas Ratio: 6.28%. 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 Clay City, Indiana in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Clay City 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 Clay City, Indiana
Market share is the lender's share of all home loans closed in Clay City, 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 |
|---|---|---|---|---|---|---|
|
1 office in Clay City 801 Main St, Clay City, IN 47841 A5.0 ★Texas Ratio: 7.53% |
Conventional, HELOC | 4 +1 HELOCs |
7.5% | 85.7% | $205,000 | View |
|
1 office in Clay City 502 Main St, Clay City, IN 47841 A+5.0 ★Texas Ratio: 4.65% |
Conventional, HELOC | 3 +11 HELOCs |
5.7% | 60% | $51,666 | View |
|
1 E National Ave, Brazil, IN 47834 A5.0 ★Texas Ratio: 11.01% |
Conventional | 6 | 11.3% | 100% | $108,333 | View |
|
100 Growth Pkwy, Angola, IN 46703 A+5.0 ★Texas Ratio: 3.22% |
Conventional, FHA | 3 | 5.7% | 75% | $138,333 | View |
|
401 W State St, Albany, IN 47320 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 2 +2 HELOCs |
3.8% | 100% | $60,000 | View |
|
260 E National Ave, Brazil, IN 47834 B+4.2 ★Texas Ratio: 6.19% |
Conventional | 2 | 3.8% | 100% | $235,000 | View |
|
★ 1.7 stars, 3 reviews 111 N Harrison St, Alexandria, IN 46001 A+5.0 ★Texas Ratio: 4.24% |
VA, HELOC | 1 +1 HELOCs |
1.9% | 100% | $355,000 | View |
|
1224 N State Road 45, Bloomfield, IN 47424 D2.6 ★Texas Ratio: 16.22% |
Conventional | 1 | 1.9% | 100% | $165,000 | View |
|
1201 James Ave, Bedford, IN 47421 A5.0 ★Texas Ratio: 8.44% |
Conventional | 1 | 1.9% | 100% | $115,000 | View |
|
1037 15th Street, Bedford, IN 47421 A4.9 ★Texas Ratio: 6.28% |
Conventional | 1 | 1.9% | 100% | $355,000 | View |
|
104 Linksway, Aurora, IN 47001 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 1.9% | 33.3% | $85,000 | View |
|
104 W 11th St, Bicknell, IN 47512 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Ruoff Mortgage Company
|
Conventional, FHA | 2 | 3.8% | 100% | $250,000 | |
Royal United Mortgage LLC
|
Conventional | 1 | 1.9% | 100% | $125,000 | |
Rocket Mortgage
|
Conventional, FHA | 6 | 11.3% | 77.8% | $211,666 | |
Guild Mortgage Company
|
Conventional, FHA | 2 | 3.8% | 100% | $65,000 | |
Wolfe Financial Inc
|
Conventional, FHA | 2 | 3.8% | 100% | $250,000 | |
United Wholesale Mortgage
|
VA | 1 | 1.9% | 50% | $305,000 | |
|
A+5.0 ★Texas Ratio: 2.97% |
Conventional | 1 | 1.9% | 100% | $185,000 | View |
American Financial Resources LLC
|
FHA | 1 | 1.9% | 100% | $235,000 | |
Goodleap, LLC
|
VA | 1 | 1.9% | 50% | $295,000 | |
Freedom Mortgage Corporation
|
VA | 1 | 1.9% | 100% | $175,000 | |
loanDepot.com LLC
|
FHA | 1 | 1.9% | 100% | $335,000 | |
Amerisave Mortgage Company
|
Conventional | 1 | 1.9% | 50% | $85,000 | |
Cmg Mortgage Inc
|
Conventional | 1 | 1.9% | 100% | $215,000 | |
|
A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1.9% | 100% | $185,000 | View |
Mortgage Research Center
|
VA | 1 | 1.9% | 33.3% | $185,000 | |
Stockton Mortgage Corporation
|
VA | 1 | 1.9% | 100% | $255,000 | |
Zillow Home Loans, LLC
|
FHA | 1 | 1.9% | 100% | $125,000 | |
Fairway Independent Mort Corp
|
Conventional | 1 | 1.9% | 100% | $235,000 | |
|
B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 1.9% | 100% | $345,000 | View |
21St Mortgage
|
Conventional | 1 | 1.9% | 50% | $65,000 | |
Figure Lending LLC
|
HELOC | 0 +1 HELOCs |
0% | n/a |
Clay City Mortgage Rate Trends
Daily average mortgage rates for Indiana compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Clay City, Indiana
Looking for mortgage lenders near me or mortgage brokers near me in Clay City? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Clay City in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Clay City, IN
Use these to narrow the list above. Each category shows how many Clay City, IN lenders fit and what that kind of lender is usually best for.
Who Lends in Clay City, IN
Independent mortgage companies closed 47.2 percent of home loans in Clay City, Indiana in 2025, banks 49.1 percent and credit unions 3.8 percent. Ruoff Mortgage Company was the largest mortgage company, First Farmers Bank & Trust the largest bank and Crane Credit Union the largest credit union. Among lenders headquartered in Indiana, First Farmers Bank & Trust led with 4 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
Frequently Asked Questions About Mortgage Lenders in Clay City, IN
By home loans closed in 2025, First Farmers Bank & Trust was the largest mortgage lender in Clay City, Indiana with 4 loans, about 7.5 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Clay City, Indiana in 2025, led by Rocket Mortgage with 3. 7 lenders closed VA loans, led by PNC Bank N.A.. 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.
Yes. 13 banks and 2 credit unions closed home loans in Clay City, Indiana in 2025, alongside 18 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.
Lenders are ranked only by the number of home loans they closed in Clay City, 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 Clay City, 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 Clay City. 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.
