American Pacific Mortgage in Indiana vs the state
7.4%Denial rate-9.16 pts vs state
9.2%Decision denial rate-10.99 pts vs state
73.5%Origination rate+11.28 pts vs state
6.88%Median rate+0.13 pts vs state
0.79Rate spread (pts)+0.42 pts vs state
$80kMedian applicant income
536Loans originated
54Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 374 | 308 | 3.2% | 7.25% | #116 |
| 2024 | 399 | 314 | 6.5% | 6.99% | #127 |
| 2025 | 729 | 536 | 7.4% | 6.88% | #86 |
What American Pacific Mortgage lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most American Pacific Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dearborn County | 162 | 125 | 10 | 6.2% |
| Lake County | 104 | 77 | 5 | 4.8% |
| Ripley County | 74 | 52 | 4 | 5.4% |
| Fayette County | 49 | 38 | 3 | 6.1% |
| Porter County | 37 | 30 | 2 | 5.4% |
| Franklin County | 34 | 26 | 6 | 17.6% |
| Jasper County | 22 | 16 | 1 | 4.5% |
| Jefferson County | 22 | 19 | 1 | 4.5% |
| Switzerland County | 19 | 17 | 2 | 10.5% |
| Jennings County | 19 | 14 | 1 | 5.3% |
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: 729 applications in 2025, of which 536 were originated and 54 denied.
7.4% of all applications, or 9.2% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans American Pacific Mortgage originated in Indiana in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are American Pacific 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