Kind Lending in Indiana vs the state
28.5%Denial rate+11.91 pts vs state
30.9%Decision denial rate+10.80 pts vs state
62.9%Origination rate+0.66 pts vs state
6.63%Median rate-0.13 pts vs state
0.47Rate spread (pts)+0.10 pts vs state
$94kMedian applicant income
285Loans originated
129Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 243 | 162 | 23.1% | 6.75% | #158 |
| 2024 | 250 | 159 | 26.0% | 6.63% | #165 |
| 2025 | 453 | 285 | 28.5% | 6.63% | #125 |
What Kind Lending lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Kind Lending applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 83 | 43 | 27 | 32.5% |
| Clark County | 80 | 55 | 19 | 23.8% |
| Floyd County | 50 | 35 | 14 | 28.0% |
| Hamilton County | 40 | 23 | 12 | 30.0% |
| Lake County | 23 | 16 | 6 | 26.1% |
| Harrison County | 17 | 14 | 3 | 17.6% |
| Allen County | 12 | 8 | 4 | 33.3% |
| Jefferson County | 12 | 7 | 4 | 33.3% |
| Hendricks County | 11 | 8 | 2 | 18.2% |
| Vanderburgh County | 11 | 7 | 3 | 27.3% |
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: 453 applications in 2025, of which 285 were originated and 129 denied.
28.5% of all applications, or 30.9% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Kind Lending originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Kind Lending'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