Citizens Bank in Indiana vs the state
10.2%Denial rate-6.41 pts vs state
11.6%Decision denial rate-8.55 pts vs state
77.5%Origination rate+15.29 pts vs state
—Median rate
—Rate spread (pts)
$127kMedian applicant income
145Loans originated
19Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 283 | 193 | 15.2% | — | #145 |
| 2024 | 226 | 163 | 16.8% | — | #182 |
| 2025 | 187 | 145 | 10.2% | — | #208 |
What Citizens Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Morgan County | 50 | 38 | 9 | 18.0% |
| Hendricks County | 41 | 31 | 3 | 7.3% |
| Marion County | 33 | 21 | 4 | 12.1% |
| Johnson County | 22 | 19 | 1 | 4.5% |
| Hancock County | 9 | 9 | 0 | 0.0% |
| Brown County | 5 | 4 | 1 | 20.0% |
| Boone County | 5 | 5 | 0 | 0.0% |
| Hamilton County | 4 | 3 | 0 | 0.0% |
| Shelby County | 3 | 2 | 1 | 33.3% |
| Clay County | 2 | 2 | 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: 187 applications in 2025, of which 145 were originated and 19 denied.
10.2% of all applications, or 11.6% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Citizens Bank'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