Republic Bank & Trust in Indiana vs the state
7.5%Denial rate-9.05 pts vs state
9.8%Decision denial rate-10.38 pts vs state
69.0%Origination rate+6.72 pts vs state
6.13%Median rate-0.63 pts vs state
-0.15Rate spread (pts)-0.52 pts vs state
$85kMedian applicant income
220Loans originated
24Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 343 | 241 | 4.7% | 6.13% | #128 |
| 2024 | 243 | 156 | 12.8% | 6.99% | #170 |
| 2025 | 319 | 220 | 7.5% | 6.13% | #155 |
What Republic Bank & Trust lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Republic Bank & Trust applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 136 | 105 | 7 | 5.1% |
| Floyd County | 120 | 89 | 5 | 4.2% |
| Harrison County | 20 | 8 | 1 | 5.0% |
| Dearborn County | 15 | 6 | 5 | 33.3% |
| Ripley County | 4 | 3 | 0 | 0.0% |
| Washington County | 4 | 0 | 2 | 50.0% |
| Hamilton County | 3 | 3 | 0 | 0.0% |
| Scott County | 3 | 1 | 2 | 66.7% |
| Marion County | 2 | 1 | 0 | 0.0% |
| Clay 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: 319 applications in 2025, of which 220 were originated and 24 denied.
7.5% of all applications, or 9.8% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Republic Bank & Trust originated in Indiana in 2025 was 6.13%, against a statewide median of 6.75%.
About this data. Figures are Republic Bank & Trust'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