German American Bank in Indiana vs the state
16.4%Denial rate-0.20 pts vs state
17.7%Decision denial rate-2.47 pts vs state
75.0%Origination rate+12.79 pts vs state
6.88%Median rate+0.13 pts vs state
-7.11Rate spread (pts)-7.48 pts vs state
$90kMedian applicant income
2,053Loans originated
448Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,638 | 1,913 | 15.5% | 7.13% | #21 |
| 2024 | 2,629 | 1,996 | 14.2% | 7.13% | #25 |
| 2025 | 2,736 | 2,053 | 16.4% | 6.88% | #28 |
What German American Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most German American Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Dubois County | 332 | 269 | 36 | 10.8% |
| Perry County | 237 | 191 | 29 | 12.2% |
| Vanderburgh County | 214 | 170 | 29 | 13.6% |
| Clark County | 177 | 126 | 33 | 18.6% |
| Daviess County | 177 | 138 | 27 | 15.3% |
| Jefferson County | 173 | 123 | 29 | 16.8% |
| Bartholomew County | 173 | 142 | 19 | 11.0% |
| Knox County | 125 | 89 | 28 | 22.4% |
| Monroe County | 115 | 87 | 14 | 12.2% |
| Pike County | 112 | 80 | 25 | 22.3% |
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: 2,736 applications in 2025, of which 2,053 were originated and 448 denied.
16.4% of all applications, or 17.7% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans German American Bank originated in Indiana in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are German American 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