Point Mortgage in Indiana vs the state
2.6%Denial rate-13.96 pts vs state
2.9%Decision denial rate-17.24 pts vs state
82.4%Origination rate+20.10 pts vs state
6.50%Median rate-0.25 pts vs state
0.30Rate spread (pts)-0.06 pts vs state
$83kMedian applicant income
126Loans originated
4Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 8 | 7 | 0.0% | 6.99% | #547 |
| 2024 | 58 | 42 | 3.5% | 6.75% | #321 |
| 2025 | 153 | 126 | 2.6% | 6.50% | #229 |
What Point Mortgage lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Point Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Allen County | 47 | 40 | 2 | 4.3% |
| Elkhart County | 25 | 19 | 1 | 4.0% |
| St. Joseph County | 24 | 19 | 0 | 0.0% |
| Lake County | 14 | 11 | 0 | 0.0% |
| Huntington County | 9 | 6 | 0 | 0.0% |
| Porter County | 8 | 7 | 1 | 12.5% |
| LaPorte County | 4 | 3 | 0 | 0.0% |
| Kosciusko County | 4 | 4 | 0 | 0.0% |
| Whitley County | 4 | 4 | 0 | 0.0% |
| DeKalb County | 3 | 2 | 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: 153 applications in 2025, of which 126 were originated and 4 denied.
2.6% of all applications, or 2.9% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Point Mortgage originated in Indiana in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are Point Mortgage'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