Mortgage Lenders and Brokers in Winchester, 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
Winchester, Indiana mortgage lenders include The Farmers State BankThe Farmers State Bank930 E Washington St, Winchester, IN 47394A+5.0 ★Texas Ratio: 1.79%, Northwest BankNorthwest Bank870 E Washington St, Winchester, IN 47394A+5.0 ★Texas Ratio: 3.99%, First Merchants BankFirst Merchants Bank122 W Washington St, Winchester, IN 47394A+5.0 ★Texas Ratio: 4.12%, Old National BankOld National Bank100 S Meridian St, Winchester, IN 47394A+5.0 ★Texas Ratio: 4.98%, First Bank of BerneFirst Bank of Berne1105 Us Highway 27 N, Berne, IN 46711A4.9 ★Texas Ratio: 5.48%, First Financial BankFirst Financial Bank104 Linksway, Aurora, IN 47001A+5.0 ★Texas Ratio: 3.21%, Greenville National BankGreenville National Bank9700 South Us 35, Losantville, IN 47354A+5.0 ★Texas Ratio: 0.92%, First Bank RichmondFirst Bank Richmond200 W Main St, Cambridge City, IN 47327A-4.9 ★Texas Ratio: 16.01%, US Bank, N.A.US Bank, N.A.720 W 30th St, Connersville, IN 47331A+5.0 ★Texas Ratio: 2.85%, and Regions BankRegions Bank104 W 11th St, Bicknell, IN 47512A+5.0 ★Texas Ratio: 4.37%. 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 Winchester, Indiana in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Winchester 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 Winchester, Indiana
Market share is the lender's share of all home loans closed in Winchester, 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 Winchester 930 E Washington St, Winchester, IN 47394 A+5.0 ★Texas Ratio: 1.79% |
Conventional | 10 | 9.7% | 91.7% | $160,000 | View |
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1 office in Winchester 870 E Washington St, Winchester, IN 47394 A+5.0 ★Texas Ratio: 3.99% |
Conventional, HELOC | 6 +4 HELOCs |
5.8% | 85.7% | $111,666 | View |
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1 office in Winchester 122 W Washington St, Winchester, IN 47394 A+5.0 ★Texas Ratio: 4.12% |
Conventional, HELOC | 4 +8 HELOCs |
3.9% | 66.7% | $92,500 | View |
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1 office in Winchester 100 S Meridian St, Winchester, IN 47394 A+5.0 ★Texas Ratio: 4.98% |
Conventional, HELOC | 2 +1 HELOCs |
1.9% | 100% | $85,000 | View |
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★ 4 stars, 1 review 1105 Us Highway 27 N, Berne, IN 46711 A4.9 ★Texas Ratio: 5.48% |
Conventional | 3 | 2.9% | 100% | $91,666 | View |
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104 Linksway, Aurora, IN 47001 A+5.0 ★Texas Ratio: 3.21% |
Conventional, HELOC | 2 +1 HELOCs |
1.9% | 40% | $130,000 | View |
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9700 South Us 35, Losantville, IN 47354 A+5.0 ★Texas Ratio: 0.92% |
Conventional | 2 | 1.9% | 100% | $175,000 | View |
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200 W Main St, Cambridge City, IN 47327 A-4.9 ★Texas Ratio: 16.01% |
Conventional | 2 | 1.9% | 100% | $65,000 | View |
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720 W 30th St, Connersville, IN 47331 A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 1% | 100% | $105,000 | View |
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104 W 11th St, Bicknell, IN 47512 A+5.0 ★Texas Ratio: 4.37% |
Conventional | 1 | 1% | 100% | $135,000 | View |
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136 W 7th St, Auburn, IN 46706 A+5.0 ★Texas Ratio: 2.46% |
Conventional | 1 | 1% | 100% | $115,000 | View |
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410 Monon Blvd, Carmel, IN 46032 A5.0 ★Texas Ratio: 11.97% |
Conventional | 1 | 1% | 100% | $105,000 | View |
Ruoff Mortgage Company
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Conventional | 2 | 1.9% | 100% | $185,000 | |
Three Rivers Federal Crediit U
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
Newrez LLC
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Conventional, FHA, VA, USDA | 24 | 23.3% | 92.6% | $137,500 | |
United Wholesale Mortgage
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Conventional, FHA, HELOC | 9 +2 HELOCs |
8.7% | 100% | $110,555 | |
Mortgage Research Center
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VA | 5 | 4.9% | 83.3% | $181,000 | |
Rocket Mortgage
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Conventional | 4 | 3.9% | 83.3% | $142,500 | |
Click n' Close, Inc.
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USDA | 3 | 2.9% | 100% | $128,333 | |
Union Home Mortgage Corp.
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Conventional, USDA | 2 | 1.9% | 100% | $125,000 | |
Cardinal Financial Company, Li
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Conventional, FHA | 2 | 1.9% | 100% | $70,000 | |
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B-3.5 ★Texas Ratio: 6.80% |
Conventional | 2 | 1.9% | 50% | $155,000 | View |
Fairway Independent Mort Corp
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Conventional | 2 | 1.9% | 100% | $60,000 | |
American Financial Resources LLC
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USDA | 1 | 1% | 100% | $155,000 | |
CrossCountry Mortgage, LLC
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FHA | 1 | 1% | 100% | $145,000 | |
Howard Hanna Financial Services, Inc
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Conventional | 1 | 1% | 100% | $165,000 | |
Amerisave Mortgage Company
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FHA | 1 | 1% | 50% | $115,000 | |
loanDepot.com LLC
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Conventional | 1 | 1% | 100% | $105,000 | |
Das Acquisition Company, LLC
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Conventional | 1 | 1% | 100% | $155,000 | |
Nations Lending Corporation
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VA | 1 | 1% | 100% | $425,000 | |
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A+5.0 ★Texas Ratio: 5.36% |
Conventional | 1 | 1% | 100% | $75,000 | View |
Milend, Inc
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FHA | 1 | 1% | 100% | $95,000 | |
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A+5.0 ★Texas Ratio: 3.54% |
Conventional | 1 | 1% | 100% | $115,000 | View |
Towne Mortgage Company
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FHA | 1 | 1% | 100% | $195,000 | |
Mortgage Solutions of Colorado
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VA | 1 | 1% | 100% | $165,000 | |
Mutual of Omaha Mortgage
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FHA | 1 | 1% | 100% | $135,000 | |
Figure Lending LLC
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HELOC | 0 +2 HELOCs |
0% | n/a |
Winchester 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 Winchester, Indiana
Looking for mortgage lenders near me or mortgage brokers near me in Winchester? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Winchester in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Winchester, IN
Use these to narrow the list above. Each category shows how many Winchester, IN lenders fit and what that kind of lender is usually best for.
Who Lends in Winchester, IN
Independent mortgage companies closed 62.1 percent of home loans in Winchester, Indiana in 2025, banks 36.9 percent and credit unions 1 percent. Ruoff Mortgage Company was the largest mortgage company, The Farmers State Bank the largest bank and Beacon Credit Union the largest credit union. Among lenders headquartered in Indiana, First Merchants Bank led with 4 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 Winchester, IN
By home loans closed in 2025, The Farmers State Bank was the largest mortgage lender in Winchester, Indiana with 10 loans, about 9.7 percent of the market. The largest lender headquartered in Indiana was First Merchants Bank with 4 loans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Winchester, Indiana in 2025, led by Newrez LLC with 5. 4 lenders closed VA loans, led by Mortgage Research Center, and 4 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. 14 banks and 2 credit unions closed home loans in Winchester, 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 Winchester, 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 Winchester, 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 Winchester. 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.
