Citizens Bank in Indiana vs the state
28.4%Denial rate+11.83 pts vs state
33.5%Decision denial rate+13.31 pts vs state
53.6%Origination rate-8.70 pts vs state
7.90%Median rate+1.15 pts vs state
0.67Rate spread (pts)+0.30 pts vs state
$99kMedian applicant income
362Loans originated
192Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 781 | 361 | 42.9% | 7.75% | #77 |
| 2024 | 435 | 239 | 27.1% | 9.40% | #118 |
| 2025 | 676 | 362 | 28.4% | 7.90% | #94 |
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 |
|---|---|---|---|---|
| Marion County | 96 | 56 | 23 | 24.0% |
| Hamilton County | 91 | 58 | 20 | 22.0% |
| Lake County | 63 | 41 | 10 | 15.9% |
| St. Joseph County | 25 | 7 | 8 | 32.0% |
| Hendricks County | 23 | 14 | 8 | 34.8% |
| Johnson County | 22 | 12 | 7 | 31.8% |
| Madison County | 21 | 9 | 8 | 38.1% |
| Monroe County | 21 | 10 | 7 | 33.3% |
| Hancock County | 20 | 17 | 0 | 0.0% |
| Allen County | 19 | 8 | 7 | 36.8% |
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: 676 applications in 2025, of which 362 were originated and 192 denied.
28.4% of all applications, or 33.5% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Citizens Bank originated in Indiana in 2025 was 7.90%, against a statewide median of 6.75%.
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