North Shore Trust and Savings in Indiana vs the state
25.0%Denial rate+8.43 pts vs state
40.0%Decision denial rate+19.86 pts vs state
37.5%Origination rate-24.75 pts vs state
—Median rate
—Rate spread (pts)
$75kMedian applicant income
3Loans originated
2Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 8 | 7 | 0.0% | — | #545 |
| 2025 | 8 | 3 | 25.0% | — | #589 |
What North Shore Trust and Savings lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most North Shore Trust and Savings applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Lake County | 3 | 1 | 0 | 0.0% |
| LaPorte County | 3 | 1 | 2 | 66.7% |
| Fulton County | 1 | 1 | 0 | 0.0% |
| Kosciusko County | 1 | 0 | 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: 8 applications in 2025, of which 3 were originated and 2 denied.
25.0% of all applications, or 40.0% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are North Shore Trust and Savings'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