Mortgage Lenders and Brokers in Decatur, Indiana
Brian McKay
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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.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Decatur, Indiana mortgage lenders include First Bank of BerneFirst Bank of Berne1111 S 13th St, Decatur, IN 46733A4.9 ★Texas Ratio: 5.48%, First Merchants BankFirst Merchants Bank520 N 13th St, Decatur, IN 46733A+5.0 ★Texas Ratio: 4.12%, Fifth Third Bank, National AssociationFifth Third Bank, National Association304 E Monroe St, Decatur, IN 46733A+5.0 ★Texas Ratio: 3.22%, Flagstar Bank NAFlagstar Bank NA1 Yorkshire Dr, Decatur, IN 46733D3.3 ★Texas Ratio: 35.11%, MidWest America Federal Credit UnionMidWest America Federal Credit Union900 S 13th St, Decatur, IN 46733 1806A+5.0 ★Texas Ratio: 4.56%, Profed Federal Credit UnionProfed Federal Credit Union511 S 13th St, Decatur, IN 46733A+5.0 ★Texas Ratio: 2.42%, Everwise Credit UnionEverwise Credit Union7607 E US Highway 36, Avon, IN 46123A5.0 ★Texas Ratio: 6.81%, GreenWay BankGreenWay Bank202 W Berry St, Fort Wayne, IN 46802A+5.0 ★Texas Ratio: 2.79%, Fort Financial Credit UnionFort Financial Credit Union603 W Harcourt Rd, Angola, IN 46703 8802A+5.0 ★Texas Ratio: 2.95%, and Star Financial BankStar Financial Bank735 Main St, Anderson, IN 46016A+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 Decatur, Indiana in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Decatur 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 Decatur, Indiana
Market share is the lender's share of all home loans closed in Decatur, 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 |
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★ 4 stars, 1 review 1 office in Decatur 1111 S 13th St, Decatur, IN 46733 A4.9 ★Texas Ratio: 5.48% |
Conventional | 75 | 20.2% | 93.9% | $127,666 | View |
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1 office in Decatur 520 N 13th St, Decatur, IN 46733 A+5.0 ★Texas Ratio: 4.12% |
Conventional, USDA, HELOC | 24 +34 HELOCs |
6.5% | 96% | $140,000 | View |
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1 office in Decatur 304 E Monroe St, Decatur, IN 46733 A+5.0 ★Texas Ratio: 3.22% |
Conventional, VA, HELOC | 22 +21 HELOCs |
5.9% | 88% | $159,090 | View |
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1 office in Decatur 1 Yorkshire Dr, Decatur, IN 46733 D3.3 ★Texas Ratio: 35.11% |
Conventional | 6 | 1.6% | 80% | $120,000 | View |
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900 S 13th St, Decatur, IN 46733 1806 A+5.0 ★Texas Ratio: 4.56% |
Conventional, HELOC | 32 +20 HELOCs |
8.6% | 94.3% | $122,812 | |
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511 S 13th St, Decatur, IN 46733 A+5.0 ★Texas Ratio: 2.42% |
Conventional, HELOC | 11 +13 HELOCs |
3% | 60% | $126,818 | View |
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7607 E US Highway 36, Avon, IN 46123 A5.0 ★Texas Ratio: 6.81% |
Conventional, FHA, HELOC | 2 +1 HELOCs |
0.5% | 100% | $530,000 | View |
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202 W Berry St, Fort Wayne, IN 46802 A+5.0 ★Texas Ratio: 2.79% |
Conventional | 2 | 0.5% | 100% | $120,000 | View |
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603 W Harcourt Rd, Angola, IN 46703 8802 A+5.0 ★Texas Ratio: 2.95% |
Conventional | 2 | 0.5% | 100% | $70,000 | View |
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735 Main St, Anderson, IN 46016 A+5.0 ★Texas Ratio: 2.87% |
Conventional, HELOC | 1 +2 HELOCs |
0.3% | 100% | $55,000 | View |
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518 N Michigan St, Argos, IN 46501 A+5.0 ★Texas Ratio: 5.01% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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104 Linksway, Aurora, IN 47001 A+5.0 ★Texas Ratio: 3.21% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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★ 1.7 stars, 3 reviews 111 N Harrison St, Alexandria, IN 46001 A+5.0 ★Texas Ratio: 4.24% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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6859 E Us Highway 36, Avon, IN 46123 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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114 W Rochester St, Akron, IN 46910 A+5.0 ★Texas Ratio: 2.66% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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★ 1 stars, 1 review 4210 Charlestown Rd, New Albany, IN 47150 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Ruoff Mortgage Company
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Conventional, FHA, VA, USDA | 47 | 12.7% | 100% | $183,936 | |
Three Rivers Federal Crediit U
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Conventional, HELOC | 23 +3 HELOCs |
6.2% | 82.8% | $155,000 | |
Gvc Mortgage, Inc.
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Conventional, FHA, USDA | 6 | 1.6% | 85.7% | $200,000 | |
Royal United Mortgage LLC
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Conventional, FHA | 3 | 0.8% | 100% | $111,666 | |
Fire Police City County Federa
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Conventional | 1 | 0.3% | 100% | $65,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 19 | 5.1% | 90.9% | $146,578 | |
The Farmers & Merchants State Bank
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Conventional, HELOC | 15 +30 HELOCs |
4% | 83.3% | $189,666 | |
Polaris Home Funding Corp.
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Conventional, FHA, USDA | 6 | 1.6% | 100% | $230,000 | |
Freedom Mortgage Corporation
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FHA, VA | 6 | 1.6% | 100% | $205,000 | |
United Wholesale Mortgage
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FHA, VA | 5 | 1.3% | 62.5% | $211,000 | |
Fairway Independent Mort Corp
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Conventional, FHA | 5 | 1.3% | 100% | $179,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
VA | 4 | 1.1% | 100% | $340,000 | View |
Mortgage Research Center
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Conventional, VA | 4 | 1.1% | 66.7% | $187,500 | |
loanDepot.com LLC
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Conventional, FHA | 3 | 0.8% | 60% | $91,666 | |
Union Savings Bank
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Conventional | 3 | 0.8% | 100% | $231,666 | |
Stockton Mortgage Corporation
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Conventional, FHA | 3 | 0.8% | 100% | $235,000 | |
Mutual of Omaha Mortgage
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FHA | 3 | 0.8% | 100% | $201,666 | |
Lower, LLC
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FHA | 3 | 0.8% | 60% | $181,666 | |
Pennymac Loan Services LLC
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FHA, USDA | 2 | 0.5% | 66.7% | $220,000 | |
Discover Bank
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Conventional | 2 | 0.5% | 66.7% | $70,000 | |
Union Home Mortgage Corp.
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Conventional, FHA | 2 | 0.5% | 100% | $75,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.5% | 100% | $120,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 2 | 0.5% | 66.7% | $220,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.5% | 100% | $130,000 | View |
Carrington Mortgage Services LLC
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Conventional | 2 | 0.5% | 40% | $70,000 | |
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A+5.0 ★Texas Ratio: 4.11% |
FHA | 1 | 0.3% | 100% | $145,000 | View |
American Financial Resources LLC
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USDA | 1 | 0.3% | 100% | $155,000 | |
Newrez LLC
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Conventional | 1 | 0.3% | 50% | $185,000 | |
Envoy Mortgage, Ltd
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Conventional | 1 | 0.3% | 100% | $145,000 | |
Loansteady LLC
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USDA | 1 | 0.3% | 100% | $275,000 | |
American Financial Network, Inc.
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FHA | 1 | 0.3% | 100% | $145,000 | |
Diamond Residential Mtg Corp
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FHA | 1 | 0.3% | 100% | $165,000 | |
Calcon Mutual Mortgage LLC
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USDA | 1 | 0.3% | 100% | $205,000 | |
American Internet Mortgage, Inc.
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Conventional | 1 | 0.3% | 100% | $185,000 | |
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A+5.0 ★Texas Ratio: 5.51% |
Conventional | 1 | 0.3% | 100% | $195,000 | View |
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A+5.0 ★Texas Ratio: 2.20% |
VA | 1 | 0.3% | 100% | $185,000 | View |
Geneva Financial LLC
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Conventional | 1 | 0.3% | 100% | $265,000 | |
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A+5.0 ★Texas Ratio: 3.54% |
VA | 1 | 0.3% | 100% | $385,000 | View |
Mission Loans, LLC
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Conventional | 1 | 0.3% | 100% | $265,000 | |
Zillow Home Loans, LLC
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FHA | 1 | 0.3% | 100% | $275,000 | |
Nationwide Mortgage Bankers, Inc.
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FHA | 1 | 0.3% | 100% | $125,000 | |
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A-5.0 ★Texas Ratio: 14.97% |
FHA | 1 | 0.3% | 50% | $105,000 | View |
Ag Credit, ACA
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Conventional | 1 | 0.3% | 100% | $305,000 | |
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A5.0 ★Texas Ratio: 11.86% |
Conventional | 1 | 0.3% | 100% | $135,000 | View |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.3% | 100% | $365,000 | View |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.3% | 100% | $205,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Amerisave Mortgage Company
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HELOC | 0 +1 HELOCs |
0% | 0% | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Valon Mortgage
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Decatur 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 Decatur, Indiana
Looking for mortgage lenders near me or mortgage brokers near me in Decatur? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Decatur in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Decatur, IN
Use these to narrow the list above. Each category shows how many Decatur, IN lenders fit and what that kind of lender is usually best for.
Who Lends in Decatur, IN
Independent mortgage companies closed 36.9 percent of home loans in Decatur, Indiana in 2025, banks 43.9 percent and credit unions 19.1 percent. Ruoff Mortgage Company was the largest mortgage company, First Bank of Berne the largest bank and MidWest America Federal Credit Union the largest credit union. Among lenders headquartered in Indiana, First Bank of Berne led with 75 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 Decatur, IN
By home loans closed in 2025, First Bank of Berne was the largest mortgage lender in Decatur, Indiana with 75 loans, about 20.2 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Among lenders with meaningful volume in Decatur, Indiana, First Bank of Berne approved the highest share of completed applications in 2025 at 93.9 percent, against a 88.2 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.
22 lenders closed FHA loans in Decatur, Indiana in 2025, led by Ruoff Mortgage Company with 12. 10 lenders closed VA loans, led by Usaa Federal Savings Bank, and 8 closed USDA rural loans. 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. 26 banks and 6 credit unions closed home loans in Decatur, Indiana in 2025, alongside 37 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 Decatur, 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 Decatur, 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 Decatur. 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.
