Mortgage Lenders and Brokers in Rochester, 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
Rochester, Indiana mortgage lenders include First Federal Savings BankFirst Federal Savings Bank301 E 9th St, Rochester, IN 46975A5.0 ★Texas Ratio: 6.90%, Lake City BankLake City Bank507 E 9th St, Rochester, IN 46975A+5.0 ★Texas Ratio: 2.66%, Flagstar Bank NAFlagstar Bank NA202 E 9th St, Rochester, IN 46975D3.3 ★Texas Ratio: 35.11%, 1St Source Bank1St Source Bank516 Main St, Rochester, IN 46975A+5.0 ★Texas Ratio: 5.01%, Beacon Credit UnionBeacon Credit Union504 Main St, Rochester, IN 46975A+5.0 ★Texas Ratio: 2.46%, Everwise Credit UnionEverwise Credit Union1707 E State Road 14, Rochester, IN 46975A5.0 ★Texas Ratio: 6.81%, PNC Bank N.A.PNC Bank N.A.111 N Harrison St, Alexandria, IN 46001A+5.0 ★Texas Ratio: 4.24%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA29 S Sr 267, Avon, IN 46123A+5.0 ★Texas Ratio: 3.68%, First Farmers Bank & TrustFirst Farmers Bank & Trust103 W National Ave, Brazil, IN 47834A5.0 ★Texas Ratio: 7.53%, 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 Rochester, Indiana in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Rochester 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 Rochester, Indiana
Market share is the lender's share of all home loans closed in Rochester, 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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301 E 9th St, Rochester, IN 46975 A5.0 ★Texas Ratio: 6.90% |
Conventional, USDA, HELOC | 47 +29 HELOCs |
21% | 98% | $163,297 | View |
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1 office in Rochester 507 E 9th St, Rochester, IN 46975 A+5.0 ★Texas Ratio: 2.66% |
Conventional, HELOC | 6 +15 HELOCs |
2.7% | 85.7% | $108,333 | View |
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1 office in Rochester 202 E 9th St, Rochester, IN 46975 D3.3 ★Texas Ratio: 35.11% |
Conventional, HELOC | 6 +2 HELOCs |
2.7% | 87.5% | $108,333 | View |
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1 office in Rochester 516 Main St, Rochester, IN 46975 A+5.0 ★Texas Ratio: 5.01% |
Conventional, HELOC | 5 +15 HELOCs |
2.2% | 50% | $167,000 | View |
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504 Main St, Rochester, IN 46975 A+5.0 ★Texas Ratio: 2.46% |
Conventional, HELOC | 14 +12 HELOCs |
6.2% | 90% | $167,857 | View |
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1707 E State Road 14, Rochester, IN 46975 A5.0 ★Texas Ratio: 6.81% |
Conventional, HELOC | 8 +8 HELOCs |
3.6% | 80% | $102,500 | 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, FHA | 3 | 1.3% | 100% | $191,666 | View |
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29 S Sr 267, Avon, IN 46123 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 0.9% | 66.7% | $105,000 | View |
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103 W National Ave, Brazil, IN 47834 A5.0 ★Texas Ratio: 7.53% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $275,000 | View |
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1000 East Main Street, Brownsburg, IN 46112 A5.0 ★Texas Ratio: 6.45% |
Conventional, HELOC | 1 +1 HELOCs |
0.4% | 100% | $85,000 | View |
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526 W Connexion Way, Columbia City, IN 46725 A5.0 ★Texas Ratio: 12.07% |
Conventional | 1 | 0.4% | 100% | $195,000 | View |
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1221 W Plymouth St, Bremen, IN 46506 A+5.0 ★Texas Ratio: 1.39% |
Conventional | 1 | 0.4% | 50% | $225,000 | View |
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9333 N Meridian St, Indianapolis, IN 46260 A5.0 ★Texas Ratio: 13.92% |
Conventional | 1 | 0.4% | 100% | $265,000 | View |
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11550 N Meridian St, Carmel, IN 46032 A+5.0 ★Texas Ratio: 2.31% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
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800 Main St Ste 100, Anderson, IN 46016 A+5.0 ★Texas Ratio: 4.12% |
Conventional | 1 | 0.4% | 50% | $465,000 | View |
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307 E Jackson St, Attica, IN 47918 A+5.0 ★Texas Ratio: 4.40% |
Conventional | 1 | 0.4% | 100% | $155,000 | 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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1260 S Washington St, Delphi, IN 46923 A+5.0 ★Texas Ratio: 2.60% |
HELOC | 0 +1 HELOCs |
0% | 100% | View | |
Ruoff Mortgage Company
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Conventional, FHA | 16 | 7.1% | 95% | $135,000 | |
Gvc Mortgage, Inc.
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Conventional, FHA | 4 | 1.8% | 100% | $132,500 | |
Purdue Federal Cu
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Conventional, HELOC | 2 +1 HELOCs |
0.9% | 100% | $145,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.4% | 100% | $95,000 | |
Zippy Loans, LLC
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Conventional | 33 | 14.7% | 42.9% | $34,696 | |
Rocket Mortgage
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Conventional, FHA, VA | 11 | 4.9% | 66.7% | $162,272 | |
Mortgage Research Center
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Conventional, FHA, VA | 6 | 2.7% | 60% | $238,333 | |
United Wholesale Mortgage
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Conventional, VA | 4 | 1.8% | 80% | $202,500 | |
Freedom Mortgage Corporation
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FHA, VA | 4 | 1.8% | 80% | $150,000 | |
Newrez LLC
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Conventional, FHA | 4 | 1.8% | 66.7% | $197,500 | |
CrossCountry Mortgage, LLC
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Conventional, FHA | 3 | 1.3% | 100% | $281,666 | |
Cmg Mortgage Inc
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Conventional, VA, USDA | 3 | 1.3% | 100% | $95,000 | |
Cornerstone First Mortgage, LLC
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Conventional, FHA | 2 | 0.9% | 100% | $95,000 | |
Mutual of Omaha Mortgage
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FHA, VA | 2 | 0.9% | 100% | $130,000 | |
Fairway Independent Mort Corp
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Conventional, USDA | 2 | 0.9% | 100% | $155,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 2 | 0.9% | 100% | $85,000 | View |
Plaza Home Mortgage, Inc
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Conventional, VA | 2 | 0.9% | 100% | $185,000 | |
Polaris Home Funding Corp.
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FHA | 1 | 0.4% | 100% | $195,000 | |
Alliant Credit Union
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Conventional | 1 | 0.4% | 100% | $145,000 | |
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A+5.0 ★Texas Ratio: 3.87% |
Conventional | 1 | 0.4% | 100% | $115,000 | View |
Guaranteed Rate, Inc.
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Conventional | 1 | 0.4% | 100% | $135,000 | |
Goodleap, LLC
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FHA | 1 | 0.4% | 100% | $135,000 | |
loanDepot.com LLC
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FHA | 1 | 0.4% | 33.3% | $75,000 | |
Pennymac Loan Services LLC
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VA | 1 | 0.4% | 100% | $195,000 | |
Discover Bank
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Conventional | 1 | 0.4% | 50% | $45,000 | |
American Financing Corporation
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FHA | 1 | 0.4% | 100% | $195,000 | |
Union Home Mortgage Corp.
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Geneva Financial LLC
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Conventional | 1 | 0.4% | 100% | $215,000 | |
Shoreham Bank
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FHA | 1 | 0.4% | 100% | $145,000 | |
Consumers Credit Union
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Conventional | 1 | 0.4% | 100% | $615,000 | |
Nations Lending Corporation
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FHA | 1 | 0.4% | 50% | $225,000 | |
BoxCar Mortgage, LLC
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Conventional | 1 | 0.4% | 100% | $325,000 | |
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A+5.0 ★Texas Ratio: 5.51% |
Conventional | 1 | 0.4% | 100% | $135,000 | View |
Union Savings Bank
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Conventional | 1 | 0.4% | 100% | $245,000 | |
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A+5.0 ★Texas Ratio: 3.82% |
Conventional | 1 | 0.4% | 100% | $375,000 | View |
Zillow Home Loans, LLC
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Conventional | 1 | 0.4% | 100% | $155,000 | |
Prosperity Home Mortgage, LLC
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FHA | 1 | 0.4% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 2.14% |
Conventional | 1 | 0.4% | 100% | $165,000 | View |
Carrington Mortgage Services LLC
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FHA | 1 | 0.4% | 100% | $105,000 | |
Top Flite Financial, Inc.
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FHA | 1 | 0.4% | 100% | $275,000 | |
Village Capital & Investment
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VA | 1 | 0.4% | 100% | $185,000 | |
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B4.5 ★Texas Ratio: 20.96% |
HELOC | 0 +3 HELOCs |
0% | n/a | View | |
Lendage, LLC dba Achieve Loans
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HELOC | 0 +3 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 5.44% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
HomeBridge Financial Services, Inc
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
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A+5.0 ★Texas Ratio: 2.32% |
HELOC | 0 +1 HELOCs |
0% | n/a | View |
Rochester 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 Rochester, Indiana
Looking for mortgage lenders near me or mortgage brokers near me in Rochester? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Rochester in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Rochester, IN
Use these to narrow the list above. Each category shows how many Rochester, IN lenders fit and what that kind of lender is usually best for.
Who Lends in Rochester, IN
Independent mortgage companies closed 50 percent of home loans in Rochester, Indiana in 2025, banks 37.9 percent and credit unions 12.1 percent. Ruoff Mortgage Company was the largest mortgage company, First Federal Savings Bank the largest bank and Beacon Credit Union the largest credit union. Among lenders headquartered in Indiana, First Federal Savings Bank led with 47 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 Rochester, IN
By home loans closed in 2025, First Federal Savings Bank was the largest mortgage lender in Rochester, Indiana with 47 loans, about 21 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
19 lenders closed FHA loans in Rochester, Indiana in 2025, led by Ruoff Mortgage Company with 5. 9 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. 26 banks and 6 credit unions closed home loans in Rochester, 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 Rochester, 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 Rochester, 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 Rochester. 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.
