Emporium TPO in Indiana vs the state
13.3%Denial rate-3.24 pts vs state
13.3%Decision denial rate-6.81 pts vs state
66.7%Origination rate+4.42 pts vs state
7.63%Median rate+0.88 pts vs state
1.66Rate spread (pts)+1.30 pts vs state
$107kMedian applicant income
20Loans originated
4Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 21 | 11 | 4.8% | 7.88% | #450 |
| 2025 | 30 | 20 | 13.3% | 7.63% | #412 |
What Emporium TPO lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Emporium TPO applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 12 | 9 | 0 | 0.0% |
| Lake County | 5 | 2 | 1 | 20.0% |
| Owen County | 4 | 3 | 0 | 0.0% |
| Madison County | 2 | 2 | 0 | 0.0% |
| Porter County | 1 | 1 | 0 | 0.0% |
| Johnson County | 1 | 1 | 0 | 0.0% |
| Kosciusko County | 1 | 1 | 0 | 0.0% |
| Vanderburgh County | 1 | 0 | 1 | 100.0% |
| Clark County | 1 | 1 | 0 | 0.0% |
| Hendricks County | 1 | 0 | 1 | 100.0% |
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: 30 applications in 2025, of which 20 were originated and 4 denied.
13.3% of all applications, or 13.3% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Emporium TPO originated in Indiana in 2025 was 7.63%, against a statewide median of 6.75%.
About this data. Figures are Emporium TPO'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