Highlands Residential Mortgage in Indiana vs the state
1.8%Denial rate-14.74 pts vs state
2.1%Decision denial rate-18.08 pts vs state
83.5%Origination rate+21.24 pts vs state
6.63%Median rate-0.13 pts vs state
0.15Rate spread (pts)-0.21 pts vs state
$124kMedian applicant income
91Loans originated
2Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 166 | 124 | 2.4% | 6.88% | #198 |
| 2024 | 103 | 87 | 1.0% | 6.88% | #250 |
| 2025 | 109 | 91 | 1.8% | 6.63% | #260 |
What Highlands Residential Mortgage lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Highlands Residential Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Hamilton County | 48 | 39 | 2 | 4.2% |
| Marion County | 28 | 26 | 0 | 0.0% |
| Boone County | 11 | 9 | 0 | 0.0% |
| Hendricks County | 5 | 3 | 0 | 0.0% |
| Delaware County | 3 | 2 | 0 | 0.0% |
| Johnson County | 2 | 2 | 0 | 0.0% |
| Hancock County | 2 | 1 | 0 | 0.0% |
| Madison County | 2 | 2 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Henry 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: 109 applications in 2025, of which 91 were originated and 2 denied.
1.8% of all applications, or 2.1% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Highlands Residential Mortgage originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Highlands Residential 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