21st Mortgage in Indiana vs the state
59.4%Denial rate+42.79 pts vs state
76.6%Decision denial rate+56.44 pts vs state
17.6%Origination rate-44.66 pts vs state
10.75%Median rate+4.00 pts vs state
5.40Rate spread (pts)+5.04 pts vs state
$57kMedian applicant income
468Loans originated
1,579Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,142 | 473 | 50.2% | 9.94% | #30 |
| 2024 | 2,668 | 562 | 51.4% | 10.85% | #24 |
| 2025 | 2,660 | 468 | 59.4% | 10.75% | #31 |
What 21st Mortgage lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most 21st Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 325 | 47 | 219 | 67.4% |
| Lake County | 307 | 34 | 214 | 69.7% |
| Porter County | 139 | 29 | 77 | 55.4% |
| Vanderburgh County | 125 | 16 | 64 | 51.2% |
| LaPorte County | 122 | 22 | 70 | 57.4% |
| Allen County | 113 | 29 | 62 | 54.9% |
| St. Joseph County | 100 | 33 | 50 | 50.0% |
| Elkhart County | 88 | 20 | 57 | 64.8% |
| Clark County | 86 | 13 | 44 | 51.2% |
| Hendricks County | 72 | 15 | 39 | 54.2% |
Other large lenders in Indiana
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 13,503 | 18.6% | 6.75% |
| Ruoff Mortgage Company | A | 8,860 | 4.0% | 6.75% |
| Fifth Third Bank | D | 8,693 | 27.6% | 7.75% |
| United Shore Financial Services | B | 8,659 | 12.2% | 6.38% |
| Freedom Mortgage | B | 5,454 | 8.9% | 6.25% |
| Newrez | D | 5,421 | 18.2% | 6.63% |
| First Merchants Bank | C | 5,114 | 19.9% | 6.76% |
| Fairway Independent Mortgage | B | 4,813 | 7.4% | 6.75% |
| Mortgage Research Center | C | 4,791 | 19.0% | 6.25% |
| PNC Bank | D | 4,724 | 25.1% | 7.55% |
Frequently asked questions
Indiana: 2,660 applications in 2025, of which 468 were originated and 1,579 denied.
59.4% of all applications, or 76.6% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans 21st Mortgage originated in Indiana in 2025 was 10.75%, against a statewide median of 6.75%.
About this data. Figures are 21st Mortgage's own HMDA filing for properties located in Indiana, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology