OceanFirst Bank in Indiana vs the state
15.4%Denial rate-1.19 pts vs state
16.7%Decision denial rate-3.47 pts vs state
53.9%Origination rate-8.40 pts vs state
6.50%Median rate-0.25 pts vs state
-0.08Rate spread (pts)-0.44 pts vs state
$97kMedian applicant income
7Loans originated
2Denied
What OceanFirst Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most OceanFirst Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 7 | 3 | 1 | 14.3% |
| Floyd County | 1 | 1 | 0 | 0.0% |
| Montgomery County | 1 | 1 | 0 | 0.0% |
| Bartholomew County | 1 | 1 | 0 | 0.0% |
| Steuben County | 1 | 0 | 0 | 0.0% |
| Jefferson County | 1 | 0 | 1 | 100.0% |
| Boone County | 1 | 1 | 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: 13 applications in 2025, of which 7 were originated and 2 denied.
15.4% of all applications, or 16.7% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans OceanFirst Bank originated in Indiana in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are OceanFirst 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