Mortgage lending in Jay County, Indiana
Lenders in Jay County, Indiana reported 657 mortgage applications for 2025, according to the CFPB.
657 mortgage applications and 400 loans originated in 2025; the denial rate was 23.6% of 547 applications decided. The median loan was about $95,000. From 2025, the CFPB’s Snapshot release.
HUD’s Fair Market Rent for the county, on the housing hub: Jay County, IN.
- 657
- Applications
- 400
- Loans originated
- 23.6%
- Denial rate
- 129 denied of 547 applications decided.
Every year
1 more column on a wider screen
| Year | Applications | Originated |
|---|---|---|
| 2025 | 657 | 400 |
| 2024 | 538 | 349 |
| 2023 | 510 | 323 |
| 2022 | 709 | 458 |
| 2021 | 836 | 540 |
| 2020 | 835 | 519 |
| 2019 | 656 | 405 |
| 2018 | 579 | 370 |
The largest lenders here
| Lender | Originated | Applications |
|---|---|---|
| First Bank of Berne | 69 | 92 |
| First Merchants Bank | 57 | 85 |
| First Financial Bank | 37 | 51 |
| The Farmers & Merchants State Bank | 21 | 33 |
| Ruoff Mortgage Company | 17 | 21 |
| Newrez LLC | 16 | 22 |
| Rocket Mortgage | 15 | 21 |
| Crosscountry Mortgage, LLC | 15 | 21 |
| The Farmers State Bank | 11 | 13 |
| Mortgage Research Center | 10 | 14 |
| GVC Mortgage, Inc. | 9 | 9 |
| Fairway Independent Mort Corp | 9 | 12 |
| Zippy Loans, LLC | 9 | 39 |
| Northwest Bank | 6 | 8 |
| United Wholesale Mortgage | 5 | 6 |
| Three Rivers Federal Crediit U | 5 | 12 |
| Freedom Mortgage Corporation | 4 | 6 |
| Citizens State Bank of New Castle | 4 | 5 |
| Carrington Mortgage Services LLC | 4 | 13 |
| Huntington National Bank | 3 | 5 |
| Farm Credit Mid-America, Aca | 3 | 4 |
| The Park National Bank | 3 | 5 |
| New American Funding, LLC. | 3 | 15 |
| Stockton Mortgage Corporation | 3 | 4 |
| Royal United Mortgage LLC | 3 | 4 |
Applications by race, ethnicity and sex, 2025
| Category | Applications | Denial rate |
|---|---|---|
| American Indian or Alaska Native | under 10 | |
| Asian | under 10 | |
| Black or African American | under 10 | |
| White | 590 | 23.1% of 499 decided |
| Joint | under 10 | |
| Race Not Available | 60 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Hispanic or Latino | withheld | |
| Not Hispanic or Latino | 577 | 22.9% of 485 decided |
| Joint | under 10 | |
| Ethnicity Not Available | 63 | no rate: base under 50 |
| Category | Applications | Denial rate |
|---|---|---|
| Male | 260 | 24.4% of 209 decided |
| Female | 112 | 26.4% of 91 decided |
| Joint | 240 | 20.8% of 211 decided |
| Sex Not Available | 45 | no rate: base under 50 |
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. 2746 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