Liberty in Indiana vs the state
5.3%Denial rate-11.24 pts vs state
6.0%Decision denial rate-14.14 pts vs state
83.0%Origination rate+20.73 pts vs state
6.88%Median rate+0.13 pts vs state
0.31Rate spread (pts)-0.06 pts vs state
$94kMedian applicant income
1,930Loans originated
124Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 2,039 | 1,589 | 9.8% | 7.50% | #33 |
| 2024 | 2,059 | 1,617 | 8.4% | 7.38% | #36 |
| 2025 | 2,326 | 1,930 | 5.3% | 6.88% | #35 |
What Liberty lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Liberty applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Vanderburgh County | 1,002 | 851 | 38 | 3.8% |
| Warrick County | 364 | 314 | 18 | 4.9% |
| Posey County | 193 | 159 | 14 | 7.3% |
| Gibson County | 185 | 154 | 10 | 5.4% |
| Knox County | 141 | 115 | 14 | 9.9% |
| Dubois County | 52 | 39 | 2 | 3.8% |
| Spencer County | 45 | 40 | 0 | 0.0% |
| Daviess County | 41 | 38 | 2 | 4.9% |
| Marion County | 28 | 23 | 2 | 7.1% |
| Clark County | 27 | 20 | 2 | 7.4% |
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: 2,326 applications in 2025, of which 1,930 were originated and 124 denied.
5.3% of all applications, or 6.0% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Liberty originated in Indiana in 2025 was 6.88%, against a statewide median of 6.75%.
About this data. Figures are Liberty'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