The Federal Savings Bank in Indiana vs the state
12.7%Denial rate-3.91 pts vs state
25.1%Decision denial rate+4.96 pts vs state
36.3%Origination rate-25.96 pts vs state
6.63%Median rate-0.13 pts vs state
0.44Rate spread (pts)+0.07 pts vs state
$80kMedian applicant income
172Loans originated
60Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 945 | 487 | 11.4% | 6.75% | #70 |
| 2024 | 844 | 441 | 8.5% | 6.63% | #73 |
| 2025 | 474 | 172 | 12.7% | 6.63% | #119 |
What The Federal Savings Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most The Federal Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 68 | 18 | 11 | 16.2% |
| Lake County | 54 | 22 | 6 | 11.1% |
| St. Joseph County | 21 | 6 | 4 | 19.0% |
| Hancock County | 18 | 6 | 1 | 5.6% |
| Hamilton County | 17 | 8 | 2 | 11.8% |
| Allen County | 17 | 5 | 1 | 5.9% |
| Johnson County | 16 | 7 | 2 | 12.5% |
| Porter County | 16 | 9 | 1 | 6.3% |
| Clark County | 14 | 4 | 2 | 14.3% |
| Hendricks County | 13 | 4 | 1 | 7.7% |
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: 474 applications in 2025, of which 172 were originated and 60 denied.
12.7% of all applications, or 25.1% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans The Federal Savings Bank originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are The Federal Savings 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