Mortgage lending in Elkhart County, Indiana
Lenders in Elkhart County, Indiana reported 7,690 mortgage applications for 2025, according to the CFPB.
7,690 mortgage applications and 4,829 loans originated in 2025; the denial rate was 20.7% of 6,537 applications decided. The median loan was about $155,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Elkhart-Goshen, IN MSA.
- 7,690
- Applications
- 4,829
- Loans originated
- 20.7%
- Denial rate
- 1,355 denied of 6,537 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 7,690 | 4,829 |
| 2024 | 7,079 | 4,517 |
| 2023 | 6,874 | 4,301 |
| 2022 | 9,224 | 5,955 |
| 2021 | 13,306 | 8,903 |
| 2020 | 12,309 | 8,579 |
| 2019 | 9,273 | 6,101 |
| 2018 | 8,260 | 5,415 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| Interra Credit Union | 572 | 865 |
| Cardinal Financial Company, Li | 335 | 361 |
| Lake City Bank | 319 | 410 |
| Ruoff Mortgage Company | 292 | 382 |
| Rocket Mortgage | 245 | 343 |
| Everwise Credit Union | 208 | 305 |
| 1ST Source Bank | 193 | 309 |
| Notre Dame Federal Credit Union | 170 | 236 |
| First Federal Savings Bank | 165 | 185 |
| Inova Federal Credit Union | 143 | 210 |
| Union Home Mortgage Corp. | 120 | 141 |
| First State Bank of Middlebury | 113 | 127 |
| United Wholesale Mortgage | 90 | 151 |
| Farmers State Bank | 89 | 103 |
| Crosscountry Mortgage, LLC | 86 | 117 |
| JPMorgan Chase Bank, NA | 83 | 128 |
| Triad Financial Services, Inc. | 71 | 326 |
| Everett Financial, Inc. | 70 | 95 |
| Freedom Mortgage Corporation | 66 | 175 |
| Horizon Bank | 66 | 97 |
| Centier Bank | 58 | 86 |
| The Campbell & Fetter Bank | 55 | 60 |
| Fifth Third Bank, National Association | 53 | 101 |
| Geneva Financial LLC | 51 | 56 |
| Keybank National Association | 44 | 82 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | 36 | no rate: base under 50 |
| Asian | 65 | 18.9% of 53 decided |
| Black or African American | 203 | 32.3% of 164 decided |
| Native Hawaiian or Other Pacific Islander | under 10 | |
| White | 6,067 | 17.3% of 5,185 decided |
| 2 or more minority races | under 10 | |
| Joint | 93 | 15.4% of 78 decided |
| Free Form Text Only | under 10 | |
| Race Not Available | 1,214 | 36.6% of 1,019 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | 1,084 | 23.2% of 941 decided |
| Not Hispanic or Latino | 5,594 | 18.7% of 4,775 decided |
| Joint | 124 | 18.2% of 110 decided |
| Ethnicity Not Available | 888 | 31.8% of 711 decided |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 2,768 | 20.6% of 2,308 decided |
| Female | 1,620 | 28.8% of 1,397 decided |
| Joint | 2,743 | 14.1% of 2,381 decided |
| Sex Not Available | 559 | 31.0% of 451 decided |
A category under 10 applications prints “under 10”, and beside a lone one the next-smallest is withheld too, so neither can be worked out from the whole. No rate is printed on fewer than 50 decisions. A denial rate does not control for credit history, income, debt or the property, so a difference between groups is not a measure of discrimination.
Rankings this appears in
- No. 1727 Counties by median mortgage
Sources
- HMDA public loan/application register (LAR) — each year's fullest national release — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- Census Bureau population estimates — nation and states, with components of change — U.S. Census Bureau · U.S. Government work · retrieved September 25, 2026
- HMDA transmittal sheet — every reporting lender, by year, with its name — Consumer Financial Protection Bureau · CFPB website policy: public domain · retrieved October 22, 2026
- HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder
- Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026
Compiled automatically from HMDA public loan/application register (LAR) — each year's fullest national release, Census Bureau population estimates — nation and states, with components of change, HMDA transmittal sheet — every reporting lender, by year, with its name, HMDA reporter panel — every reporting lender, by year, with its RSSD, parent and top holder and Census Bureau county population estimates by a checked SQL query · Editor: Kian O'Connor · How this site is built
Data retrieved