Flat Branch Mortgage in Indiana vs the state
1.2%Denial rate-15.42 pts vs state
1.5%Decision denial rate-18.69 pts vs state
77.2%Origination rate+14.98 pts vs state
6.63%Median rate-0.13 pts vs state
0.28Rate spread (pts)-0.09 pts vs state
$90kMedian applicant income
268Loans originated
4Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 68 | 52 | 4.4% | 7.19% | #292 |
| 2024 | 176 | 134 | 4.0% | 6.63% | #205 |
| 2025 | 347 | 268 | 1.2% | 6.63% | #146 |
What Flat Branch Mortgage lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Flat Branch Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 95 | 77 | 1 | 1.1% |
| Marion County | 71 | 52 | 0 | 0.0% |
| Madison County | 33 | 28 | 1 | 3.0% |
| Howard County | 23 | 17 | 2 | 8.7% |
| Hendricks County | 16 | 12 | 0 | 0.0% |
| Boone County | 10 | 8 | 0 | 0.0% |
| Hancock County | 9 | 9 | 0 | 0.0% |
| Johnson County | 9 | 6 | 0 | 0.0% |
| Greene County | 7 | 3 | 0 | 0.0% |
| Tipton County | 6 | 5 | 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: 347 applications in 2025, of which 268 were originated and 4 denied.
1.2% of all applications, or 1.5% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Flat Branch Mortgage originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Flat Branch Mortgage'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