Lake City Bank in Indiana vs the state
11.7%Denial rate-4.88 pts vs state
12.5%Decision denial rate-7.63 pts vs state
76.8%Origination rate+14.54 pts vs state
7.75%Median rate+1.00 pts vs state
0.46Rate spread (pts)+0.09 pts vs state
$97kMedian applicant income
1,813Loans originated
276Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,971 | 1,578 | 10.9% | 8.50% | #36 |
| 2024 | 2,179 | 1,696 | 12.7% | 8.75% | #34 |
| 2025 | 2,361 | 1,813 | 11.7% | 7.75% | #34 |
What Lake City Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Lake City Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Kosciusko County | 544 | 434 | 55 | 10.1% |
| Elkhart County | 410 | 319 | 45 | 11.0% |
| Allen County | 240 | 185 | 23 | 9.6% |
| Marshall County | 176 | 136 | 20 | 11.4% |
| St. Joseph County | 151 | 113 | 20 | 13.2% |
| Noble County | 148 | 125 | 14 | 9.5% |
| Hamilton County | 119 | 88 | 18 | 15.1% |
| LaGrange County | 102 | 78 | 12 | 11.8% |
| Marion County | 85 | 53 | 16 | 18.8% |
| Fulton County | 75 | 56 | 11 | 14.7% |
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: 2,361 applications in 2025, of which 1,813 were originated and 276 denied.
11.7% of all applications, or 12.5% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Lake City Bank originated in Indiana in 2025 was 7.75%, against a statewide median of 6.75%.
About this data. Figures are Lake City Bank'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