Mortgage Lenders and Brokers in Flora, 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
Flora, Indiana mortgage lenders include First Financial BankFirst Financial Bank817 E Columbia St, Flora, IN 46929A+5.0 ★Texas Ratio: 3.21%, Horizon BankHorizon Bank106 W Columbia St, Flora, IN 46929A+5.0 ★Texas Ratio: 4.40%, First Merchants BankFirst Merchants Bank805 E Columbia St, Flora, IN 46929A+5.0 ★Texas Ratio: 4.12%, First Farmers Bank & TrustFirst Farmers Bank & Trust709 E Columbia St, Flora, IN 46929A5.0 ★Texas Ratio: 7.53%, Security Federal Savings BankSecurity Federal Savings Bank1260 S Washington St, Delphi, IN 46923A+5.0 ★Texas Ratio: 2.60%, 1St Source Bank1St Source Bank518 N Michigan St, Argos, IN 46501A+5.0 ★Texas Ratio: 5.01%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA29 S Sr 267, Avon, IN 46123A+5.0 ★Texas Ratio: 3.68%, Huntington National BankHuntington National Bank101 S Harrison St, Alexandria, IN 46001A+5.0 ★Texas Ratio: 3.66%, Regions BankRegions Bank104 W 11th St, Bicknell, IN 47512A+5.0 ★Texas Ratio: 4.37%, and Industrial Federal C. U.Industrial Federal C. U.Lafayette, IN. 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 Flora, Indiana in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Flora 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 Flora, Indiana
Market share is the lender's share of all home loans closed in Flora, 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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1 office in Flora 817 E Columbia St, Flora, IN 46929 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 6 +8 HELOCs |
10% | 85.7% | $75,000 | View |
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1 office in Flora 106 W Columbia St, Flora, IN 46929 A+5.0 ★Texas Ratio: 4.40% |
Conventional, HELOC | 3 +1 HELOCs |
5% | 100% | $141,666 | View |
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1 office in Flora 805 E Columbia St, Flora, IN 46929 A+5.0 ★Texas Ratio: 4.12% |
Conventional, HELOC | 1 +6 HELOCs |
1.7% | 100% | $195,000 | View |
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1 office in Flora 709 E Columbia St, Flora, IN 46929 A5.0 ★Texas Ratio: 7.53% |
Conventional, HELOC | 1 +4 HELOCs |
1.7% | 50% | $245,000 | View |
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1260 S Washington St, Delphi, IN 46923 A+5.0 ★Texas Ratio: 2.60% |
Conventional, HELOC | 2 +1 HELOCs |
3.3% | 100% | $115,000 | View |
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518 N Michigan St, Argos, IN 46501 A+5.0 ★Texas Ratio: 5.01% |
Conventional | 1 | 1.7% | 100% | $185,000 | View |
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29 S Sr 267, Avon, IN 46123 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 1.7% | 100% | $175,000 | View |
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101 S Harrison St, Alexandria, IN 46001 A+5.0 ★Texas Ratio: 3.66% |
Conventional | 1 | 1.7% | 100% | $235,000 | View |
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104 W 11th St, Bicknell, IN 47512 A+5.0 ★Texas Ratio: 4.37% |
HELOC | 0 +1 HELOCs |
0% | 0% | View | |
Industrial Federal C. U.
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Conventional | 4 | 6.7% | 100% | $55,000 | |
Ruoff Mortgage Company
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FHA, USDA | 3 | 5% | 100% | $211,666 | |
Purdue Federal Cu
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Conventional, HELOC | 2 +2 HELOCs |
3.3% | 66.7% | $145,000 | |
Mjw Financial LLC dba Mjw Mortgage
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FHA | 2 | 3.3% | 100% | $135,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 1.7% | 100% | $135,000 | |
Gvc Mortgage, Inc.
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USDA | 1 | 1.7% | 100% | $245,000 | |
X - Financial Builders FCU - Deconverted
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Conventional | 1 | 1.7% | 100% | $285,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 9 | 15% | 83.3% | $170,555 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 5% | 100% | $105,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 2 | 3.3% | 100% | $130,000 | View |
Cmg Mortgage Inc
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Conventional | 2 | 3.3% | 100% | $225,000 | |
Stockton Mortgage Corporation
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Conventional | 2 | 3.3% | 66.7% | $120,000 | |
New American Funding, LLC.
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FHA | 2 | 3.3% | 66.7% | $225,000 | |
United Wholesale Mortgage
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FHA | 1 | 1.7% | 100% | $155,000 | |
Goodleap, LLC
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FHA | 1 | 1.7% | 100% | $135,000 | |
Gold Star Mortgage Financial Group, Corporation
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FHA | 1 | 1.7% | 50% | $215,000 | |
Guild Mortgage Company
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FHA | 1 | 1.7% | 100% | $155,000 | |
AdvantageFirst Lending Inc
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FHA | 1 | 1.7% | 100% | $175,000 | |
Union Home Mortgage Corp.
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FHA | 1 | 1.7% | 100% | $165,000 | |
Nationstar Mortgage
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Conventional | 1 | 1.7% | 100% | $155,000 | |
Mortgage Research Center
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VA | 1 | 1.7% | 50% | $345,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 1.7% | 50% | $105,000 | |
Plaza Home Mortgage, Inc
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Conventional | 1 | 1.7% | 100% | $135,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Navy Federal Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Spring Eq, LLC
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HELOC | 0 +1 HELOCs |
0% | n/a |
Flora 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 Flora, Indiana
Looking for mortgage lenders near me or mortgage brokers near me in Flora? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Flora in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Flora, IN
Use these to narrow the list above. Each category shows how many Flora, IN lenders fit and what that kind of lender is usually best for.
Who Lends in Flora, IN
Independent mortgage companies closed 58.3 percent of home loans in Flora, Indiana in 2025, banks 30 percent and credit unions 11.7 percent. Ruoff Mortgage Company was the largest mortgage company, First Financial Bank the largest bank and Industrial Federal C. U. the largest credit union. Among lenders headquartered in Indiana, Horizon Bank led with 3 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 Flora, IN
By home loans closed in 2025, First Financial Bank was the largest mortgage lender in Flora, Indiana with 6 loans, about 10 percent of the market. The largest lender headquartered in Indiana was Horizon Bank with 3 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
12 lenders closed FHA loans in Flora, Indiana in 2025, led by Rocket Mortgage with 3. 3 lenders closed VA loans, led by Rocket Mortgage, and 2 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. 10 banks and 4 credit unions closed home loans in Flora, Indiana in 2025, alongside 21 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 Flora, 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 Flora, 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 Flora. 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.
