River City Bank in Indiana vs the state
22.2%Denial rate+5.65 pts vs state
22.2%Decision denial rate+2.08 pts vs state
66.7%Origination rate+4.42 pts vs state
—Median rate
—Rate spread (pts)
$88kMedian applicant income
18Loans originated
6Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 64 | 40 | 17.2% | — | #298 |
| 2024 | 33 | 18 | 24.2% | — | #386 |
| 2025 | 27 | 18 | 22.2% | — | #426 |
What River City Bank lends in Indiana
By loan purpose
By loan type
Where in Indiana
Counties with the most River City Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Clark County | 21 | 13 | 5 | 23.8% |
| Floyd County | 6 | 5 | 1 | 16.7% |
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: 27 applications in 2025, of which 18 were originated and 6 denied.
22.2% of all applications, or 22.2% 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 River City 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