Mortgage Lenders and Brokers in Utica, 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
Utica, Indiana mortgage lenders include Republic Bank & TrustRepublic Bank & Trust4571 Duffy Rd, Floyds Knobs, IN 47119A+5.0 ★Texas Ratio: 2.91%, Stock Yards Bank & Trust CompanyStock Yards Bank & Trust Company275 N Highway 31, Austin, IN 47102A+5.0 ★Texas Ratio: 1.99%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA29 S Sr 267, Avon, IN 46123A+5.0 ★Texas Ratio: 3.68%, German American BankGerman American Bank2606 16th St, Bedford, IN 47421A+5.0 ★Texas Ratio: 1.93%, Indiana Members Credit UnionIndiana Members Credit Union10438 E US Highway 36, Avon, IN 46123 7054A+5.0 ★Texas Ratio: 2.64%, The New Washington State BankThe New Washington State Bank430 W Water St, Borden, IN 47106A5.0 ★Texas Ratio: 10.00%, PNC Bank N.A.PNC Bank N.A.111 N Harrison St, Alexandria, IN 46001A+5.0 ★Texas Ratio: 4.24%, Centra Credit UnionCentra Credit Union11711 Pennsylvania St Ste 101, Carmel, IN 46032 4559A+5.0 ★Texas Ratio: 5.34%, First Harrison BankFirst Harrison Bank735 Hwy 62, Charlestown, IN 47111A+5.0 ★Texas Ratio: 3.57%, and First Financial BankFirst Financial Bank104 Linksway, Aurora, IN 47001A+5.0 ★Texas Ratio: 3.21%. 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 Utica, Indiana in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Utica 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 Utica, Indiana
Market share is the lender's share of all home loans closed in Utica, 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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4571 Duffy Rd, Floyds Knobs, IN 47119 A+5.0 ★Texas Ratio: 2.91% |
Conventional, FHA, HELOC | 5 +2 HELOCs |
4.1% | 100% | $273,000 | View |
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275 N Highway 31, Austin, IN 47102 A+5.0 ★Texas Ratio: 1.99% |
Conventional, FHA | 3 | 2.5% | 75% | $405,000 | View |
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29 S Sr 267, Avon, IN 46123 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.6% | 100% | $190,000 | View |
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2606 16th St, Bedford, IN 47421 A+5.0 ★Texas Ratio: 1.93% |
Conventional | 2 | 1.6% | 100% | $240,000 | View |
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10438 E US Highway 36, Avon, IN 46123 7054 A+5.0 ★Texas Ratio: 2.64% |
Conventional | 2 | 1.6% | 66.7% | $350,000 | View |
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430 W Water St, Borden, IN 47106 A5.0 ★Texas Ratio: 10.00% |
Conventional | 2 | 1.6% | 100% | $305,000 | 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 | 2 | 1.6% | 100% | $225,000 | View |
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11711 Pennsylvania St Ste 101, Carmel, IN 46032 4559 A+5.0 ★Texas Ratio: 5.34% |
Conventional, HELOC | 1 +3 HELOCs |
0.8% | 100% | $245,000 | View |
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735 Hwy 62, Charlestown, IN 47111 A+5.0 ★Texas Ratio: 3.57% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $175,000 | View |
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104 Linksway, Aurora, IN 47001 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 1 +1 HELOCs |
0.8% | 100% | $75,000 | View |
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2204 N Wayne St, Angola, IN 46703 D3.3 ★Texas Ratio: 35.11% |
FHA | 1 | 0.8% | 100% | $265,000 | View |
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100 Growth Pkwy, Angola, IN 46703 A+5.0 ★Texas Ratio: 3.22% |
FHA | 1 | 0.8% | 100% | $365,000 | View |
First Savings Bank
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Conventional, HELOC | 4 +2 HELOCs |
3.3% | 80% | $237,500 | |
Ruoff Mortgage Company
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Conventional | 1 | 0.8% | 100% | $205,000 | |
Rocket Mortgage
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Conventional, FHA, VA | 18 | 14.8% | 100% | $278,888 | |
United Wholesale Mortgage
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Conventional, FHA | 10 | 8.2% | 90.9% | $219,000 | |
AmeriHome Mortgage Company, LLC
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Conventional, FHA | 10 | 8.2% | 100% | $281,000 | |
Mortgage Research Center
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Conventional, FHA, VA | 4 | 3.3% | 100% | $302,500 | |
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A-5.0 ★Texas Ratio: 14.97% |
Conventional, FHA, VA | 4 | 3.3% | 100% | $242,500 | View |
Fairway Independent Mort Corp
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Conventional | 4 | 3.3% | 66.7% | $300,000 | |
Freedom Mortgage Corporation
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FHA, VA | 3 | 2.5% | 75% | $295,000 | |
Newrez LLC
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Conventional, FHA | 3 | 2.5% | 100% | $281,666 | |
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A5.0 ★Texas Ratio: 8.47% |
Conventional | 3 | 2.5% | 100% | $198,333 | View |
Union Home Mortgage Corp.
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Conventional | 3 | 2.5% | 100% | $355,000 | |
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A+5.0 ★Texas Ratio: 1.35% |
Conventional | 3 | 2.5% | 100% | $215,000 | View |
Stockton Mortgage Corporation
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Conventional, VA | 3 | 2.5% | 100% | $225,000 | |
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A+5.0 ★Texas Ratio: 2.97% |
Conventional | 2 | 1.6% | 100% | $305,000 | View |
CrossCountry Mortgage, LLC
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Conventional | 2 | 1.6% | 100% | $275,000 | |
Kind Lending, LLC
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Conventional, FHA | 2 | 1.6% | 100% | $120,000 | |
Cmg Mortgage Inc
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Conventional, VA | 2 | 1.6% | 100% | $320,000 | |
Pike Creek Mortgage Services, Inc.
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Conventional | 2 | 1.6% | 100% | $200,000 | |
The Loan Store, Inc
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Conventional | 2 | 1.6% | 100% | $210,000 | |
Interlinc Mortgage Services, LLC
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FHA | 1 | 0.8% | 100% | $165,000 | |
Nbkc Bank
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Conventional | 1 | 0.8% | 100% | $255,000 | |
United Trust Bank
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VA | 1 | 0.8% | 100% | $225,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.8% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 3.04% |
Conventional | 1 | 0.8% | 100% | $215,000 | View |
Cardinal Financial Company, Li
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Conventional | 1 | 0.8% | 100% | $265,000 | |
Provident Funding Associates
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Conventional | 1 | 0.8% | 100% | $545,000 | |
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A+5.0 ★Texas Ratio: 2.69% |
Conventional | 1 | 0.8% | 100% | $375,000 | View |
Pentagon Federal Credit Union
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FHA | 1 | 0.8% | 100% | $245,000 | |
Zillow Home Loans, LLC
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Conventional | 1 | 0.8% | 100% | $195,000 | |
Lower, LLC
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Conventional | 1 | 0.8% | 100% | $495,000 | |
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A+5.0 ★Texas Ratio: 0.51% |
Conventional | 1 | 0.8% | 100% | $55,000 | View |
Ark-La-Tex Financial Services LLC
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Conventional | 1 | 0.8% | 100% | $295,000 | |
Tomo Mortgage LLC
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VA | 1 | 0.8% | 100% | $725,000 | |
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A+5.0 ★Texas Ratio: 1.91% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Park Community Credit Union
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HELOC | 0 +2 HELOCs |
0% | n/a | ||
Figure Lending LLC
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
New American Funding, LLC.
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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 | ||
Lendage, LLC dba Achieve Loans
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HELOC | 0 +1 HELOCs |
0% | n/a |
Utica 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 Utica, Indiana
Looking for mortgage lenders near me or mortgage brokers near me in Utica? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Utica in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Utica, IN
Use these to narrow the list above. Each category shows how many Utica, IN lenders fit and what that kind of lender is usually best for.
Who Lends in Utica, IN
Independent mortgage companies closed 63.1 percent of home loans in Utica, Indiana in 2025, banks 32 percent and credit unions 4.9 percent. Ruoff Mortgage Company was the largest mortgage company, Republic Bank & Trust the largest bank and Indiana Members Credit Union the largest credit union. Among lenders headquartered in Indiana, German American Bank led with 2 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 Utica, IN
By home loans closed in 2025, Republic Bank & Trust was the largest mortgage lender in Utica, Indiana with 5 loans, about 4.1 percent of the market. The largest lender headquartered in Indiana was German American Bank with 2 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
14 lenders closed FHA loans in Utica, Indiana in 2025, led by AmeriHome Mortgage Company, LLC with 4. 8 lenders closed VA loans, led by Mortgage Research Center. 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. 19 banks and 6 credit unions closed home loans in Utica, Indiana in 2025, alongside 27 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 Utica, 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 Utica, 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 Utica. 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.
