Guaranteed Rate Affinity in Indiana vs the state
11.3%Denial rate-5.30 pts vs state
15.7%Decision denial rate-4.45 pts vs state
59.9%Origination rate-2.39 pts vs state
6.63%Median rate-0.13 pts vs state
0.36Rate spread (pts)0.00 pts vs state
$92kMedian applicant income
85Loans originated
16Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 122 | 65 | 13.1% | 6.88% | #223 |
| 2024 | 128 | 81 | 9.4% | 6.88% | #227 |
| 2025 | 142 | 85 | 11.3% | 6.63% | #235 |
What Guaranteed Rate Affinity lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Guaranteed Rate Affinity applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 65 | 32 | 14 | 21.5% |
| LaPorte County | 13 | 8 | 0 | 0.0% |
| Allen County | 8 | 5 | 0 | 0.0% |
| St. Joseph County | 6 | 2 | 0 | 0.0% |
| Hamilton County | 6 | 6 | 0 | 0.0% |
| Dearborn County | 5 | 5 | 0 | 0.0% |
| Marion County | 5 | 3 | 0 | 0.0% |
| Porter County | 4 | 4 | 0 | 0.0% |
| Marshall County | 3 | 0 | 1 | 33.3% |
| Ripley County | 2 | 2 | 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: 142 applications in 2025, of which 85 were originated and 16 denied.
11.3% of all applications, or 15.7% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Guaranteed Rate Affinity originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Guaranteed Rate Affinity'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