OCMBC in Indiana vs the state
7.6%Denial rate-9.02 pts vs state
10.8%Decision denial rate-9.37 pts vs state
54.7%Origination rate-7.57 pts vs state
7.50%Median rate+0.75 pts vs state
1.09Rate spread (pts)+0.72 pts vs state
$88kMedian applicant income
152Loans originated
21Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 79 | 40 | 25.3% | 8.63% | #278 |
| 2024 | 166 | 76 | 25.3% | 7.94% | #209 |
| 2025 | 278 | 152 | 7.6% | 7.50% | #167 |
What OCMBC lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most OCMBC applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 135 | 79 | 6 | 4.4% |
| Lake County | 34 | 13 | 3 | 8.8% |
| Tippecanoe County | 17 | 12 | 0 | 0.0% |
| Allen County | 12 | 5 | 1 | 8.3% |
| Hendricks County | 7 | 2 | 2 | 28.6% |
| Harrison County | 7 | 3 | 0 | 0.0% |
| Clark County | 6 | 3 | 2 | 33.3% |
| Orange County | 6 | 6 | 0 | 0.0% |
| St. Joseph County | 4 | 1 | 1 | 25.0% |
| LaPorte County | 3 | 3 | 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: 278 applications in 2025, of which 152 were originated and 21 denied.
7.6% of all applications, or 10.8% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans OCMBC originated in Indiana in 2025 was 7.50%, against a statewide median of 6.75%.
About this data. Figures are OCMBC'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