Emm Loans in Indiana vs the state
5.5%Denial rate-11.09 pts vs state
8.2%Decision denial rate-11.98 pts vs state
56.2%Origination rate-6.09 pts vs state
6.38%Median rate-0.38 pts vs state
0.35Rate spread (pts)-0.02 pts vs state
$92kMedian applicant income
41Loans originated
4Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 93 | 38 | 10.8% | 6.00% | #260 |
| 2024 | 85 | 37 | 15.3% | 6.25% | #272 |
| 2025 | 73 | 41 | 5.5% | 6.38% | #310 |
What Emm Loans lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Emm Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 9 | 3 | 1 | 11.1% |
| Floyd County | 7 | 5 | 0 | 0.0% |
| Hendricks County | 5 | 3 | 0 | 0.0% |
| Clark County | 5 | 5 | 0 | 0.0% |
| Allen County | 4 | 4 | 0 | 0.0% |
| Elkhart County | 3 | 2 | 0 | 0.0% |
| Lake County | 3 | 2 | 1 | 33.3% |
| Dearborn County | 3 | 1 | 0 | 0.0% |
| Hamilton County | 3 | 1 | 0 | 0.0% |
| Howard County | 3 | 3 | 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: 73 applications in 2025, of which 41 were originated and 4 denied.
5.5% of all applications, or 8.2% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Emm Loans originated in Indiana in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are Emm Loans'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