Digital in Indiana vs the state
15.9%Denial rate-0.66 pts vs state
29.2%Decision denial rate+9.03 pts vs state
38.6%Origination rate-23.61 pts vs state
7.25%Median rate+0.50 pts vs state
0.26Rate spread (pts)-0.11 pts vs state
$154kMedian applicant income
17Loans originated
7Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 60 | 16 | 23.3% | 6.50% | #304 |
| 2024 | 44 | 11 | 15.9% | 7.88% | #356 |
| 2025 | 44 | 17 | 15.9% | 7.25% | #363 |
What Digital lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Digital applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 19 | 9 | 3 | 15.8% |
| Lake County | 4 | 2 | 0 | 0.0% |
| Boone County | 3 | 1 | 0 | 0.0% |
| Bartholomew County | 3 | 0 | 1 | 33.3% |
| St. Joseph County | 2 | 0 | 1 | 50.0% |
| Hendricks County | 2 | 1 | 0 | 0.0% |
| Tippecanoe County | 2 | 2 | 0 | 0.0% |
| Warrick County | 2 | 0 | 0 | 0.0% |
| Adams County | 1 | 1 | 0 | 0.0% |
| Ohio County | 1 | 0 | 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: 44 applications in 2025, of which 17 were originated and 7 denied.
15.9% of all applications, or 29.2% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Digital originated in Indiana in 2025 was 7.25%, against a statewide median of 6.75%.
About this data. Figures are Digital'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