# Henthorn Agency

Henthorn Agency is an Asset Manager based in Beech Grove, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Beech Grove, United States
- **Region:** North America
- **Address:** Indianapolis, IN, United States
- **Founded:** 1986
- **Assets under management:** Undisclosed
- **Website:** henthornagency.com

## Regulatory record

- **CRD number:** 121607
- **Registration status:** Registered
- **Reports private funds:** No
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/121607

## About

Henthorn Agency, Inc. is a family-owned and operated independent agency and full service insurance and financial services company. Its professionals provide risk management and financial planning solutions, including personal and business insurance, personal financial planning, and tax planning and preparation. The agency represents a carefully selected group of insurance and financial service companies and serves clients in Indiana.

## Sectors

- Real Estate
- Private Credit

## People

- Dave Henthorn — President

## Questions

### Who runs the Henthorn Agency's lending decisions?

Dave Henthorn serves as president and has led the firm since its founding in 1986. As a closely held organization, all lending decisions flow through the senior leadership team he directs. The firm holds delegated underwriting authority from Fannie Mae and Freddie Mac, meaning its internal credit committee can commit agency capital without prior investor approval on each loan.

### Which property types does the Henthorn Agency finance?

Multifamily housing forms the core of its book — both conventional apartment complexes and manufactured-home communities. The firm also actively quotes loans for retail centers, office buildings, industrial warehouses, and self-storage facilities. Its agency approvals are tied most closely to income-producing, stabilized assets rather than construction or land speculation.

### What geographic markets does the Henthorn Agency cover?

The firm originates loans across all 50 U.S. states. Despite its single Indianapolis headquarters, its correspondent-lending model — placing Fannie Mae, Freddie Mac, and life-company debt — is inherently a national platform. Borrowers in primary coastal markets access the same delegated-underwriting process as those in the Midwest.

### How is the Henthorn Agency related to Fannie Mae and Freddie Mac?

The firm holds Fannie Mae DUS (Delegated Underwriting and Servicing) and Freddie Mac Optigo lender designations. These are not casual referral arrangements; they require meeting rigorous net-worth, operational, and regulatory standards and permit the firm to underwrite and commit agency capital directly. As a DUS lender, the Henthorn Agency shares in the credit risk of the multifamily loans it originates, aligning its incentives with the agency's long-term performance.

### Does the Henthorn Agency manage equity investments or real estate assets?

No. The firm is a pure-play debt intermediary. It does not syndicate limited-partnership equity, manage property, develop ground-up projects, or operate a fund-of-funds. Its sole function is originating, placing, and servicing commercial real estate loans, which eliminates conflicts with developer and sponsor clients that can arise at diversified real estate firms.

### What is the Henthorn Agency's loan-servicing capability?

The firm services the majority of the loans it originates, creating an ongoing revenue stream and direct borrower relationship that outlasts the loan closing. Its servicing platform handles payment collection, escrow administration, and investor reporting, primarily for the Fannie Mae, Freddie Mac, and life-insurance-company loan portfolios it has built over nearly four decades.

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Last updated: 2026-08-11T15:06:57.816Z

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