Encompass Lending Group in Indiana vs the state
4.4%Denial rate-12.22 pts vs state
6.7%Decision denial rate-13.47 pts vs state
60.9%Origination rate-1.38 pts vs state
6.56%Median rate-0.19 pts vs state
0.54Rate spread (pts)+0.18 pts vs state
$113kMedian applicant income
14Loans originated
1Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 9 | 7 | 0.0% | 7.50% | #537 |
| 2024 | 14 | 10 | 7.1% | 6.69% | #492 |
| 2025 | 23 | 14 | 4.4% | 6.56% | #437 |
What Encompass Lending Group lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Encompass Lending Group applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 9 | 5 | 0 | 0.0% |
| Hamilton County | 3 | 2 | 0 | 0.0% |
| Johnson County | 2 | 2 | 0 | 0.0% |
| Hendricks County | 2 | 2 | 0 | 0.0% |
| Morgan County | 2 | 0 | 0 | 0.0% |
| St. Joseph County | 1 | 1 | 0 | 0.0% |
| Brown County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 0 | 0 | 0.0% |
| Boone County | 1 | 1 | 0 | 0.0% |
| Tipton 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: 23 applications in 2025, of which 14 were originated and 1 denied.
4.4% of all applications, or 6.7% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Encompass Lending Group originated in Indiana in 2025 was 6.56%, against a statewide median of 6.75%.
About this data. Figures are Encompass Lending Group'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