Mortgage Lenders and Brokers in Monticello, 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
Monticello, Indiana mortgage lenders include First Merchants BankFirst Merchants Bank116 E Washington St, Monticello, IN 47960A+5.0 ★Texas Ratio: 4.12%, Bank of WolcottBank of Wolcott116 N 6th St, Monticello, IN 47960A+5.0 ★Texas Ratio: 2.72%, Alliance BankAlliance Bank209 Rickey Rd, Monticello, IN 47960A+5.0 ★Texas Ratio: 0.08%, Flagstar Bank NAFlagstar Bank NA119 N Main St, Monticello, IN 47960D3.3 ★Texas Ratio: 35.11%, The Fountain Trust CompanyThe Fountain Trust Company902 N 6th St, Monticello, IN 47960A+5.0 ★Texas Ratio: 3.40%, Centier BankCentier Bank1000 East Main Street, Brownsburg, IN 46112A5.0 ★Texas Ratio: 6.45%, Old National BankOld National Bank2312 Charles St, Anderson, IN 46013A+5.0 ★Texas Ratio: 4.98%, Security Federal Savings BankSecurity Federal Savings Bank1260 S Washington St, Delphi, IN 46923A+5.0 ★Texas Ratio: 2.60%, Fifth Third Bank, National AssociationFifth Third Bank, National Association100 Growth Pkwy, Angola, IN 46703A+5.0 ★Texas Ratio: 3.22%, and JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA29 S Sr 267, Avon, IN 46123A+5.0 ★Texas Ratio: 3.68%. 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 Monticello, Indiana in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Monticello 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 Monticello, Indiana
Market share is the lender's share of all home loans closed in Monticello, 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 Monticello 116 E Washington St, Monticello, IN 47960 A+5.0 ★Texas Ratio: 4.12% |
Conventional, HELOC | 16 +21 HELOCs |
11.4% | 100% | $130,000 | View |
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1 office in Monticello 116 N 6th St, Monticello, IN 47960 A+5.0 ★Texas Ratio: 2.72% |
Conventional | 3 | 2.1% | 100% | $155,000 | View |
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1 office in Monticello 209 Rickey Rd, Monticello, IN 47960 A+5.0 ★Texas Ratio: 0.08% |
Conventional | 2 | 1.4% | 100% | $245,000 | View |
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1 office in Monticello 119 N Main St, Monticello, IN 47960 D3.3 ★Texas Ratio: 35.11% |
Conventional, HELOC | 1 +1 HELOCs |
0.7% | 50% | $65,000 | View |
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1 office in Monticello 902 N 6th St, Monticello, IN 47960 A+5.0 ★Texas Ratio: 3.40% |
Conventional | 1 | 0.7% | 66.7% | $65,000 | View |
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1000 East Main Street, Brownsburg, IN 46112 A5.0 ★Texas Ratio: 6.45% |
Conventional, FHA, HELOC | 13 +4 HELOCs |
9.3% | 86.7% | $191,923 | View |
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2312 Charles St, Anderson, IN 46013 A+5.0 ★Texas Ratio: 4.98% |
Conventional | 3 | 2.1% | 75% | $265,000 | View |
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1260 S Washington St, Delphi, IN 46923 A+5.0 ★Texas Ratio: 2.60% |
Conventional | 2 | 1.4% | 100% | $165,000 | View |
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100 Growth Pkwy, Angola, IN 46703 A+5.0 ★Texas Ratio: 3.22% |
Conventional | 2 | 1.4% | 100% | $140,000 | View |
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29 S Sr 267, Avon, IN 46123 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 1 | 0.7% | 100% | $185,000 | View |
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101 S Harrison St, Alexandria, IN 46001 A+5.0 ★Texas Ratio: 3.66% |
FHA | 1 | 0.7% | 100% | $345,000 | View |
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111 N 4th St, Kentland, IN 47951 A5.0 ★Texas Ratio: 13.55% |
Conventional | 1 | 0.7% | 100% | $405,000 | View |
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10438 E US Highway 36, Avon, IN 46123 7054 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 1 | 0.7% | 100% | $625,000 | View |
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9603 W 133rd Ave, Cedar Lake, IN 46303 B4.6 ★Texas Ratio: 20.04% |
Conventional | 1 | 0.7% | 100% | $105,000 | View |
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104 Linksway, Aurora, IN 47001 A+5.0 ★Texas Ratio: 3.21% |
Conventional | 1 | 0.7% | 100% | $85,000 | View |
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★ 1.7 stars, 3 reviews 111 N Harrison St, Alexandria, IN 46001 A+5.0 ★Texas Ratio: 4.24% |
FHA | 1 | 0.7% | 50% | $195,000 | View |
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8598 E Us Highway 36, Avon, IN 46123 A+5.0 ★Texas Ratio: 0.93% |
Conventional | 1 | 0.7% | 100% | $355,000 | View |
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307 E Jackson St, Attica, IN 47918 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 0.7% | 100% | $165,000 | View |
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735 Main St, Anderson, IN 46016 A+5.0 ★Texas Ratio: 2.87% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Ruoff Mortgage Company
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Conventional, FHA, USDA | 6 | 4.3% | 100% | $193,333 | |
Industrial Federal C. U.
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Conventional | 6 | 4.3% | 75% | $46,666 | |
Purdue Federal Cu
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Conventional, HELOC | 2 +3 HELOCs |
1.4% | 100% | $185,000 | |
Mjw Financial LLC dba Mjw Mortgage
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VA | 1 | 0.7% | 100% | $305,000 | |
Gvc Mortgage, Inc.
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USDA | 1 | 0.7% | 100% | $245,000 | |
Rocket Mortgage
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Conventional, FHA | 15 | 10.7% | 88.9% | $136,333 | |
loanDepot.com LLC
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Conventional, FHA, VA | 4 | 2.9% | 80% | $107,500 | |
Pennymac Loan Services LLC
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Conventional, FHA, VA | 4 | 2.9% | 100% | $230,000 | |
Guild Mortgage Company
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Conventional, VA | 4 | 2.9% | 100% | $192,500 | |
United Wholesale Mortgage
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Conventional | 3 | 2.1% | 80% | $358,333 | |
New American Funding, LLC.
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Conventional, FHA | 3 | 2.1% | 100% | $461,666 | |
Freedom Mortgage Corporation
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FHA | 2 | 1.4% | 100% | $120,000 | |
CrossCountry Mortgage, LLC
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Conventional | 2 | 1.4% | 100% | $150,000 | |
Union Home Mortgage Corp.
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USDA | 2 | 1.4% | 100% | $145,000 | |
Mortgage Research Center
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VA | 2 | 1.4% | 66.7% | $320,000 | |
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A5.0 ★Texas Ratio: 7.37% |
Conventional | 2 | 1.4% | 100% | $325,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.7% | 100% | $205,000 | |
Goodleap, LLC
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FHA | 1 | 0.7% | 50% | $175,000 | |
Gold Star Mortgage Financial Group, Corporation
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Conventional | 1 | 0.7% | 100% | $85,000 | |
Servion
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FHA | 1 | 0.7% | 100% | $155,000 | |
Lakeview Loan Servicing, LLC
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FHA | 1 | 0.7% | 33.3% | $155,000 | |
Newrez LLC
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Conventional | 1 | 0.7% | 50% | $115,000 | |
Sage Home Loans Corporation
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Conventional | 1 | 0.7% | 100% | $125,000 | |
Equity Prime Mortgage LLC
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FHA | 1 | 0.7% | 100% | $155,000 | |
Fair Way Lending, LLC
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Conventional | 1 | 0.7% | 100% | $225,000 | |
Filo Mortgage, LLC
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FHA | 1 | 0.7% | 50% | $255,000 | |
American Financial Network, Inc.
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Conventional | 1 | 0.7% | 100% | $205,000 | |
AmWest Funding Corp
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Conventional | 1 | 0.7% | 100% | $255,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.7% | 100% | $165,000 | |
Connexus Credit Union
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Conventional | 1 | 0.7% | 100% | $135,000 | |
Calcon Mutual Mortgage LLC
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FHA | 1 | 0.7% | 100% | $155,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.7% | 100% | $115,000 | |
New Day Financial, LLC.
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VA | 1 | 0.7% | 50% | $135,000 | |
Member First Mortgage, LLC
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Conventional | 1 | 0.7% | 100% | $185,000 | |
Stockton Mortgage Corporation
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Conventional | 1 | 0.7% | 50% | $135,000 | |
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A+5.0 ★Texas Ratio: 5.88% |
Conventional | 1 | 0.7% | 100% | $35,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.7% | 100% | $165,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
FHA | 1 | 0.7% | 100% | $165,000 | View |
Farm Credit Mid-America, Aca
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Conventional | 1 | 0.7% | 100% | $355,000 | |
Fairway Independent Mort Corp
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FHA | 1 | 0.7% | 100% | $135,000 | |
Navy Federal Credit Union
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Conventional | 1 | 0.7% | 100% | $35,000 | |
Carrington Mortgage Services LLC
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Conventional | 1 | 0.7% | 33.3% | $35,000 | |
Loan Simple, Inc.
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FHA | 1 | 0.7% | 100% | $165,000 | |
Spring Eq, LLC
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Conventional | 1 | 0.7% | 33.3% | $85,000 | |
Leaderone Financial Corp.
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FHA | 1 | 0.7% | 100% | $195,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Monticello 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 Monticello, Indiana
Looking for mortgage lenders near me or mortgage brokers near me in Monticello? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Monticello in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Monticello, IN
Use these to narrow the list above. Each category shows how many Monticello, IN lenders fit and what that kind of lender is usually best for.
Who Lends in Monticello, IN
Independent mortgage companies closed 52.9 percent of home loans in Monticello, Indiana in 2025, banks 38.6 percent and credit unions 8.6 percent. Ruoff Mortgage Company was the largest mortgage company, First Merchants Bank the largest bank and Indiana Members Credit Union the largest credit union. Among lenders headquartered in Indiana, First Merchants Bank led with 16 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 Monticello, IN
By home loans closed in 2025, First Merchants Bank was the largest mortgage lender in Monticello, Indiana with 16 loans, about 11.4 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Monticello, Indiana in 2025, led by Rocket Mortgage with 6. 6 lenders closed VA loans, led by Mortgage Research Center, and 3 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. 21 banks and 6 credit unions closed home loans in Monticello, Indiana in 2025, alongside 38 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 Monticello, 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 Monticello, 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 Monticello. 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.
