Citizens State Bank of New Castle, Indiana in Indiana vs the state
19.5%Denial rate+2.94 pts vs state
21.2%Decision denial rate+1.02 pts vs state
66.8%Origination rate+4.58 pts vs state
7.25%Median rate+0.50 pts vs state
0.84Rate spread (pts)+0.48 pts vs state
$72kMedian applicant income
137Loans originated
40Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 163 | 98 | 23.3% | 7.69% | #201 |
| 2024 | 158 | 95 | 19.6% | 7.75% | #217 |
| 2025 | 205 | 137 | 19.5% | 7.25% | #200 |
What Citizens State Bank of New Castle, Indiana lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Citizens State Bank of New Castle, Indiana applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Henry County | 71 | 45 | 17 | 23.9% |
| Blackford County | 23 | 13 | 7 | 30.4% |
| Rush County | 20 | 15 | 1 | 5.0% |
| Randolph County | 19 | 9 | 5 | 26.3% |
| Hamilton County | 18 | 12 | 3 | 16.7% |
| Madison County | 18 | 13 | 4 | 22.2% |
| Marion County | 10 | 8 | 0 | 0.0% |
| Delaware County | 6 | 5 | 0 | 0.0% |
| Hancock County | 5 | 4 | 1 | 20.0% |
| Jay County | 5 | 4 | 1 | 20.0% |
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: 205 applications in 2025, of which 137 were originated and 40 denied.
19.5% of all applications, or 21.2% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Citizens State Bank of New Castle, Indiana originated in Indiana in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Citizens State Bank of New Castle, Indiana'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