Guidance Residential in Indiana vs the state
1.1%Denial rate-15.51 pts vs state
1.5%Decision denial rate-18.69 pts vs state
71.3%Origination rate+9.03 pts vs state
6.75%Median rate0.00 pts vs state
0.36Rate spread (pts)0.00 pts vs state
$116kMedian applicant income
67Loans originated
1Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 41 | 28 | 12.2% | 7.06% | #346 |
| 2024 | 63 | 42 | 3.2% | 7.13% | #311 |
| 2025 | 94 | 67 | 1.1% | 6.75% | #281 |
What Guidance Residential lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Guidance Residential applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 39 | 30 | 0 | 0.0% |
| Marion County | 11 | 5 | 1 | 9.1% |
| Lake County | 9 | 7 | 0 | 0.0% |
| Allen County | 9 | 7 | 0 | 0.0% |
| Hendricks County | 4 | 3 | 0 | 0.0% |
| Boone County | 3 | 3 | 0 | 0.0% |
| Noble County | 3 | 1 | 0 | 0.0% |
| Tippecanoe County | 3 | 3 | 0 | 0.0% |
| Hancock County | 2 | 2 | 0 | 0.0% |
| Vanderburgh County | 2 | 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: 94 applications in 2025, of which 67 were originated and 1 denied.
1.1% 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 Guidance Residential originated in Indiana in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Guidance Residential'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