Lender in Indiana · HMDA 2025
Rate mortgages in Indiana
Rate's 2025 home-purchase and refinance lending in Indiana, compared with all lenders in the state.
Rate originated 1,130 owner-occupied single-family loans in Indiana from 1,248 completed applications, making it the state's #18 lender by volume.
Its median conventional purchase loan costs were $3,850 versus $3,350 for all Indiana lenders, at a median 30-year fixed rate of 6.75% (Indiana: 6.625%).
Loans in IN
1,130
of 1,248 applications
Denial rate
5.5%
Purchase · IN 7.4%
Rate spread
+0.30 pts
Conv. · IN +0.24 pts
Loan amount
$275,000
Purchase · IN $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 1,004 | 942 | 5.5% | 6.750% | +0.30 pts | $3,850 | $275,000 |
| Refinance | 129 | 115 | 9.3% | 6.475% | +0.09 pts | $3,360 | $285,000 |
| Cash-out refinance | 115 | 73 | 36.5% | 6.750% | +0.36 pts | $3,910 | $185,000 |
*Conventional loans only; medians with at least 20 loans.
Indiana counties where Rate ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| Lake County | 2 | 391 | 5.5% |
| LaPorte County | 6 | 38 | 2.9% |
| Newton County | 11 | 5 | 2.3% |
| Porter County | 12 | 75 | 2.6% |
| Hamilton County | 17 | 126 | 1.6% |
| Marion County | 20 | 193 | 1.4% |
| Shelby County | 24 | 8 | 1.0% |
| Marshall County | 24 | 4 | 0.8% |
| Randolph County | 24 | 3 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology