Citibank in Indiana vs the state
24.7%Denial rate+8.14 pts vs state
44.3%Decision denial rate+24.19 pts vs state
30.5%Origination rate-31.79 pts vs state
6.13%Median rate-0.63 pts vs state
0.05Rate spread (pts)-0.32 pts vs state
$115kMedian applicant income
53Loans originated
43Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 92 | 25 | 13.0% | 6.13% | #262 |
| 2024 | 117 | 29 | 14.5% | 6.88% | #238 |
| 2025 | 174 | 53 | 24.7% | 6.13% | #218 |
What Citibank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Citibank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 29 | 14 | 5 | 17.2% |
| Marion County | 28 | 12 | 6 | 21.4% |
| Hamilton County | 18 | 6 | 4 | 22.2% |
| Allen County | 12 | 0 | 5 | 41.7% |
| Johnson County | 8 | 4 | 2 | 25.0% |
| St. Joseph County | 7 | 2 | 3 | 42.9% |
| Hendricks County | 7 | 4 | 2 | 28.6% |
| Porter County | 6 | 0 | 0 | 0.0% |
| LaPorte County | 4 | 2 | 1 | 25.0% |
| Tippecanoe County | 4 | 0 | 1 | 25.0% |
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: 174 applications in 2025, of which 53 were originated and 43 denied.
24.7% of all applications, or 44.3% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Citibank originated in Indiana in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Citibank'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