First Commonwealth Bank in Indiana vs the state
14.3%Denial rate-2.28 pts vs state
16.7%Decision denial rate-3.47 pts vs state
71.4%Origination rate+9.18 pts vs state
6.63%Median rate-0.13 pts vs state
0.13Rate spread (pts)-0.23 pts vs state
$75kMedian applicant income
5Loans originated
1Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 12 | 8 | 25.0% | 6.00% | #491 |
| 2024 | 7 | 3 | 42.9% | 6.88% | #572 |
| 2025 | 7 | 5 | 14.3% | 6.63% | #603 |
What First Commonwealth Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most First Commonwealth Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allen County | 2 | 1 | 0 | 0.0% |
| Ripley County | 1 | 1 | 0 | 0.0% |
| Franklin County | 1 | 1 | 0 | 0.0% |
| Henry County | 1 | 0 | 1 | 100.0% |
| St. Joseph County | 1 | 1 | 0 | 0.0% |
| Hamilton County | 1 | 1 | 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: 7 applications in 2025, of which 5 were originated and 1 denied.
14.3% of all applications, or 16.7% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans First Commonwealth Bank originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are First Commonwealth Bank'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