German American Bank mortgage approval rate & lending review
German American Bank decided 2,860 mortgage applications and funded 2,412 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions German American Bank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
German American Bank at a glance
Approval is 8.4 points above the 77.4% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 89% | 955 / 1,068 | 99% | $225K | 941 |
| Home improvement loans | 79% | 577 / 727 | 98% | $75K | 566 |
| Cash-out refinance | 58% | 40 / 69 | 100% | $205K | 40 |
| Refinance | 88% | 612 / 695 | 98% | $115K | 600 |
| Investment property purchase | 94% | 186 / 197 | 98% | $145K | 182 |
| Investment refinance | 83% | 49 / 59 | 98% | $105K | 48 |
| Investment home improvement | 82% | 31 / 38 | 100% | $125K | 31 |
German American Bank lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Indiana | 86% | $155K | 1,249 | 1,053 |
| Kentucky | 85% | $95K | 1,128 | 943 |
| Ohio | 89% | $255K | 451 | 392 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where German American Bank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Vanderburgh County, IN | Mortgage lenders | 93% | 156 | 142 |
| Vanderburgh County, IN | Refinance | 92% | 135 | 122 |
| Monroe County, IN | Mortgage lenders | 93% | 122 | 110 |
| Jefferson County, KY | Home improvement loans | 76% | 139 | 105 |
| Jefferson County, KY | Mortgage lenders | 83% | 127 | 103 |
| Vanderburgh County, IN | Home improvement loans | 78% | 129 | 99 |
| Clark County, IN | Mortgage lenders | 85% | 111 | 93 |
| Clark County, IN | Home improvement loans | 76% | 119 | 87 |
| Warren County, KY | Refinance | 91% | 95 | 84 |
| Monroe County, IN | Refinance | 85% | 87 | 73 |
| Jefferson County, KY | Refinance | 79% | 81 | 62 |
| Daviess County, KY | Refinance | 95% | 63 | 60 |
The county markets where German American Bank made the most loans. Each link opens that market with every lender ranked.
Questions about German American Bank
What is German American Bank's mortgage approval rate?
German American Bank approved 85.8% of the 2,860 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 8.4 points above the 77.4% national rate for the same mix of loan types.
How often do borrowers take the loan German American Bank offers?
Borrowers accepted 98% of the loans German American Bank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does German American Bank make?
The typical home purchase mortgage loan German American Bank made was $225K; across all loan types its typical loan ran from $75K to $225K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does German American Bank lend?
German American Bank decided applications in 12 of the states Fat Boy Data covers, most of them in Indiana, Kentucky and Ohio.
Can I apply to German American Bank directly?
Yes. German American Bank is a bank or credit union with 96 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show German American Bank's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how German American Bank treats applications, then get a rate quote from the lender.