Royal United Mortgage in Indiana vs the state
16.9%Denial rate+0.31 pts vs state
19.7%Decision denial rate-0.44 pts vs state
67.0%Origination rate+4.79 pts vs state
6.75%Median rate0.00 pts vs state
0.89Rate spread (pts)+0.52 pts vs state
$46kMedian applicant income
417Loans originated
105Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 586 | 357 | 25.9% | 7.00% | #88 |
| 2024 | 658 | 440 | 21.0% | 6.88% | #90 |
| 2025 | 622 | 417 | 16.9% | 6.75% | #102 |
What Royal United Mortgage lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Royal United Mortgage applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 93 | 63 | 19 | 20.4% |
| Allen County | 27 | 17 | 5 | 18.5% |
| St. Joseph County | 25 | 16 | 5 | 20.0% |
| Hamilton County | 25 | 21 | 2 | 8.0% |
| Lake County | 24 | 16 | 5 | 20.8% |
| Madison County | 23 | 16 | 5 | 21.7% |
| Johnson County | 23 | 15 | 2 | 8.7% |
| Delaware County | 19 | 8 | 3 | 15.8% |
| Vanderburgh County | 15 | 5 | 4 | 26.7% |
| Shelby County | 15 | 13 | 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: 622 applications in 2025, of which 417 were originated and 105 denied.
16.9% of all applications, or 19.7% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Royal United Mortgage originated in Indiana in 2025 was 6.75%, against a statewide median of 6.75%.
About this data. Figures are Royal United 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