Atlantic Bay Mortgage Group in Indiana vs the state
1.2%Denial rate-15.35 pts vs state
1.9%Decision denial rate-18.25 pts vs state
63.4%Origination rate+1.16 pts vs state
6.63%Median rate-0.13 pts vs state
0.36Rate spread (pts)0.00 pts vs state
$115kMedian applicant income
52Loans originated
1Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 15 | 8 | 0.0% | 7.19% | #465 |
| 2024 | 64 | 42 | 9.4% | 6.75% | #307 |
| 2025 | 82 | 52 | 1.2% | 6.63% | #297 |
What Atlantic Bay Mortgage Group lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Atlantic Bay Mortgage Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 54 | 36 | 1 | 1.9% |
| Hamilton County | 11 | 5 | 0 | 0.0% |
| Hendricks County | 4 | 2 | 0 | 0.0% |
| Hancock County | 4 | 2 | 0 | 0.0% |
| Shelby County | 2 | 1 | 0 | 0.0% |
| Johnson County | 1 | 1 | 0 | 0.0% |
| Monroe County | 1 | 1 | 0 | 0.0% |
| Madison County | 1 | 1 | 0 | 0.0% |
| Kosciusko County | 1 | 0 | 0 | 0.0% |
| Wayne County | 1 | 1 | 0 | 0.0% |
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: 82 applications in 2025, of which 52 were originated and 1 denied.
1.2% of all applications, or 1.9% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Atlantic Bay Mortgage Group originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Atlantic Bay Mortgage Group'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