Hometown Equity Mortgage in Indiana vs the state
44.4%Denial rate+27.87 pts vs state
45.5%Decision denial rate+25.39 pts vs state
52.4%Origination rate-9.87 pts vs state
7.38%Median rate+0.63 pts vs state
1.08Rate spread (pts)+0.72 pts vs state
$193kMedian applicant income
66Loans originated
56Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 30 | 7 | 53.3% | 9.50% | #380 |
| 2024 | 49 | 17 | 61.2% | 7.88% | #342 |
| 2025 | 126 | 66 | 44.4% | 7.38% | #247 |
What Hometown Equity Mortgage lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Hometown Equity Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 25 | 16 | 9 | 36.0% |
| Delaware County | 12 | 1 | 11 | 91.7% |
| Lake County | 11 | 10 | 1 | 9.1% |
| Johnson County | 9 | 6 | 1 | 11.1% |
| St. Joseph County | 9 | 7 | 2 | 22.2% |
| Madison County | 7 | 3 | 3 | 42.9% |
| Vanderburgh County | 6 | 2 | 4 | 66.7% |
| Howard County | 5 | 0 | 5 | 100.0% |
| Allen County | 5 | 3 | 1 | 20.0% |
| Hendricks County | 4 | 3 | 1 | 25.0% |
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: 126 applications in 2025, of which 66 were originated and 56 denied.
44.4% of all applications, or 45.5% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Hometown Equity Mortgage originated in Indiana in 2025 was 7.38%, against a statewide median of 6.75%.
About this data. Figures are Hometown Equity 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