Mortgage Lenders and Brokers in Middlebury, 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
Middlebury, Indiana mortgage lenders include First State Bank of MiddleburyFirst State Bank of Middlebury111 South Main Street, Middlebury, IN 46540A5.0 ★Texas Ratio: 10.52%, Lake City BankLake City Bank712 Wayne St, Middlebury, IN 46540A+5.0 ★Texas Ratio: 2.66%, 1St Source Bank1St Source Bank809 Wayne St, Middlebury, IN 46540A+5.0 ★Texas Ratio: 5.01%, Interra Credit UnionInterra Credit Union106 Crystal Heights Blvd, Middlebury, IN 46540A+5.0 ★Texas Ratio: 1.39%, Farmers State BankFarmers State Bank1800 N Wayne St, Angola, IN 46703A+5.0 ★Texas Ratio: 0.14%, The Campbell & Fetter BankThe Campbell & Fetter Bank304 S Orange St, Albion, IN 46701A+5.0 ★Texas Ratio: 0.00%, First Federal Savings BankFirst Federal Savings Bank206 W Plymouth St, Bremen, IN 46506A5.0 ★Texas Ratio: 6.90%, Everwise Credit UnionEverwise Credit Union7607 E US Highway 36, Avon, IN 46123A5.0 ★Texas Ratio: 6.81%, Inova Federal Credit UnionInova Federal Credit Union358 S Elkhart Ave, Elkhart, IN 46516A5.0 ★Texas Ratio: 8.94%, and Centier BankCentier Bank1000 East Main Street, Brownsburg, IN 46112A5.0 ★Texas Ratio: 6.45%. 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 Middlebury, Indiana in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Middlebury 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 Middlebury, Indiana
Market share is the lender's share of all home loans closed in Middlebury, 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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111 South Main Street, Middlebury, IN 46540 A5.0 ★Texas Ratio: 10.52% |
Conventional | 31 | 14% | 96.9% | $234,032 | View |
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1 office in Middlebury 712 Wayne St, Middlebury, IN 46540 A+5.0 ★Texas Ratio: 2.66% |
Conventional, HELOC | 2 +26 HELOCs |
0.9% | 100% | $270,000 | View |
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1 office in Middlebury 809 Wayne St, Middlebury, IN 46540 A+5.0 ★Texas Ratio: 5.01% |
HELOC | 0 +9 HELOCs |
0% | 33.3% | View | |
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106 Crystal Heights Blvd, Middlebury, IN 46540 A+5.0 ★Texas Ratio: 1.39% |
Conventional, Jumbo, HELOC | 25 +45 HELOCs |
11.3% | 81.2% | $378,600 | View |
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1800 N Wayne St, Angola, IN 46703 A+5.0 ★Texas Ratio: 0.14% |
Conventional, HELOC | 19 +8 HELOCs |
8.6% | 90.5% | $343,421 | View |
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304 S Orange St, Albion, IN 46701 A+5.0 ★Texas Ratio: 0.00% |
Conventional | 12 | 5.4% | 100% | $355,000 | View |
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206 W Plymouth St, Bremen, IN 46506 A5.0 ★Texas Ratio: 6.90% |
Conventional, HELOC | 6 +6 HELOCs |
2.7% | 100% | $233,333 | View |
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7607 E US Highway 36, Avon, IN 46123 A5.0 ★Texas Ratio: 6.81% |
Conventional, FHA, HELOC | 4 +4 HELOCs |
1.8% | 100% | $182,500 | View |
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358 S Elkhart Ave, Elkhart, IN 46516 A5.0 ★Texas Ratio: 8.94% |
Conventional, HELOC | 2 +6 HELOCs |
0.9% | 66.7% | $40,000 | View |
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1000 East Main Street, Brownsburg, IN 46112 A5.0 ★Texas Ratio: 6.45% |
Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $255,000 | View |
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29 S Sr 267, Avon, IN 46123 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.9% | 100% | $545,000 | View |
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5457 S Scatterfield Rd, Anderson, IN 46013 A+5.0 ★Texas Ratio: 4.81% |
Conventional | 2 | 0.9% | 33.3% | $220,000 | View |
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14535 State Road 23, Granger, IN 46530 A+5.0 ★Texas Ratio: 4.39% |
Conventional | 2 | 0.9% | 66.7% | $220,000 | View |
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401 W State St, Albany, IN 47320 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $165,000 | View |
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307 E Jackson St, Attica, IN 47918 A+5.0 ★Texas Ratio: 4.40% |
Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $215,000 | View |
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2204 N Wayne St, Angola, IN 46703 D3.3 ★Texas Ratio: 35.11% |
Conventional | 1 | 0.5% | 50% | $295,000 | View |
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136 W 7th St, Auburn, IN 46706 A+5.0 ★Texas Ratio: 2.46% |
Conventional | 1 | 0.5% | 100% | $285,000 | View |
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307 North Wayne Street, Angola, IN 46703 A+5.0 ★Texas Ratio: 1.99% |
Conventional | 1 | 0.5% | 100% | $175,000 | View |
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★ 1.7 stars, 3 reviews 111 N Harrison St, Alexandria, IN 46001 A+5.0 ★Texas Ratio: 4.24% |
Conventional | 1 | 0.5% | 100% | $225,000 | View |
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100 Growth Pkwy, Angola, IN 46703 A+5.0 ★Texas Ratio: 3.22% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
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720 W 30th St, Connersville, IN 47331 A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
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800 Main St Ste 100, Anderson, IN 46016 A+5.0 ★Texas Ratio: 4.12% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Ruoff Mortgage Company
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Conventional, FHA | 11 | 5% | 91.7% | $242,272 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.5% | 100% | $65,000 | |
Elements Financial Federal Cre
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Cardinal Financial Company, Li
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Conventional, FHA | 17 | 7.7% | 90.9% | $344,411 | |
Rocket Mortgage
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Conventional, FHA | 7 | 3.2% | 70% | $279,285 | |
Union Home Mortgage Corp.
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Conventional, FHA | 7 | 3.2% | 100% | $142,142 | |
CrossCountry Mortgage, LLC
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Conventional, VA | 6 | 2.7% | 85.7% | $243,333 | |
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A5.0 ★Texas Ratio: 9.46% |
Conventional, HELOC | 5 +1 HELOCs |
2.3% | 100% | $313,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 5 | 2.3% | 83.3% | $347,000 | |
United Wholesale Mortgage
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Conventional, FHA, VA | 4 | 1.8% | 66.7% | $365,000 | |
Triad Financial Services, Inc.
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Conventional | 4 | 1.8% | 40% | $47,500 | |
Freedom Mortgage Corporation
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Conventional, FHA | 3 | 1.4% | 71.4% | $308,333 | |
Equity Prime Mortgage LLC
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FHA, VA | 3 | 1.4% | 100% | $301,666 | |
VanDyk Mortgage Corporation
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Conventional, FHA | 2 | 0.9% | 100% | $205,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 0.9% | 100% | $150,000 | View |
Prosperity Home Mortgage, LLC
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Conventional | 2 | 0.9% | 100% | $260,000 | |
Mutual of Omaha Mortgage
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Conventional, VA | 2 | 0.9% | 100% | $495,000 | |
Navy Federal Credit Union
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VA, Jumbo | 2 | 0.9% | 66.7% | $630,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.9% | 100% | $200,000 | View |
loanDepot.com LLC
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VA, HELOC | 1 +3 HELOCs |
0.5% | 100% | $285,000 | |
The Farmers & Merchants State Bank
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Conventional, HELOC | 1 +1 HELOCs |
0.5% | 100% | $275,000 | |
Polaris Home Funding Corp.
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FHA | 1 | 0.5% | 100% | $495,000 | |
Alliant Credit Union
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Conventional | 1 | 0.5% | 100% | $165,000 | |
American Financial Resources LLC
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FHA | 1 | 0.5% | 100% | $105,000 | |
Newrez LLC
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Conventional | 1 | 0.5% | 50% | $65,000 | |
Pennymac Loan Services LLC
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FHA | 1 | 0.5% | 100% | $335,000 | |
Mortgage Assurance Inc
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Conventional | 1 | 0.5% | 100% | $195,000 | |
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A-4.8 ★Texas Ratio: 12.33% |
Conventional | 1 | 0.5% | 100% | $255,000 | View |
Nationstar Mortgage
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FHA | 1 | 0.5% | 100% | $135,000 | |
Mortgage Research Center
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VA | 1 | 0.5% | 50% | $235,000 | |
Lake Michigan Credit Union
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Conventional | 1 | 0.5% | 100% | $195,000 | |
Towne Mortgage Company
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Conventional | 1 | 0.5% | 100% | $295,000 | |
Pentagon Federal Credit Union
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Conventional | 1 | 0.5% | 100% | $185,000 | |
Nations Direct Mortgage, LLC
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VA | 1 | 0.5% | 100% | $115,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.5% | 100% | $475,000 | |
New American Funding, LLC.
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FHA | 1 | 0.5% | 50% | $275,000 | |
Fairway Independent Mort Corp
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Conventional | 1 | 0.5% | 50% | $225,000 | |
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B+4.8 ★Texas Ratio: 16.98% |
VA | 1 | 0.5% | 100% | $225,000 | View |
21St Mortgage
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Conventional | 1 | 0.5% | 14.3% | $65,000 | |
Carrington Mortgage Services LLC
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FHA | 1 | 0.5% | 100% | $335,000 | |
Plaza Home Mortgage, Inc
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FHA | 1 | 0.5% | 50% | $225,000 | |
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 0.00% |
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 |
Middlebury 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 Middlebury, Indiana
Looking for mortgage lenders near me or mortgage brokers near me in Middlebury? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Middlebury in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Middlebury, IN
Use these to narrow the list above. Each category shows how many Middlebury, IN lenders fit and what that kind of lender is usually best for.
Who Lends in Middlebury, IN
Independent mortgage companies closed 40.5 percent of home loans in Middlebury, Indiana in 2025, banks 41.9 percent and credit unions 17.6 percent. Ruoff Mortgage Company was the largest mortgage company, First State Bank of Middlebury the largest bank and Interra Credit Union the largest credit union. Among lenders headquartered in Indiana, First State Bank of Middlebury led with 31 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 Middlebury, IN
By home loans closed in 2025, First State Bank of Middlebury was the largest mortgage lender in Middlebury, Indiana with 31 loans, about 14 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
16 lenders closed FHA loans in Middlebury, Indiana in 2025, led by Rocket Mortgage with 4. 9 lenders closed VA loans, led by United Wholesale Mortgage. 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. 24 banks and 11 credit unions closed home loans in Middlebury, Indiana in 2025, alongside 32 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 Middlebury, 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 Middlebury, 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 Middlebury. 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.
