The National Bank of Indianapolis at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
86th2.5% deniedProcesswithdrawn + incomplete share, weight 15%
65th8.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 492 | 402 | 6.5% | 7.1% | — | $177M |
| 2024 | 409 | 334 | 4.9% | 5.4% | — | $123M |
| 2025 | 564 | 495 | 2.3% | 2.5% | — | $191M |
What The National Bank of Indianapolis lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 3 investment properties.
Why The National Bank of Indianapolis denies applications
Primary reason reported for each of the 13 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at The National Bank of Indianapolis
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 42 | 33 | 8.3% |
| $50k – $100k | 77 | 65 | 4.4% |
| $100k – $150k | 51 | 44 | 6.4% |
| $150k – $250k | 89 | 76 | 3.7% |
| Over $250k | 293 | 266 | 0.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 63 | 54 | 3.5% |
| 35–44 | 138 | 122 | 1.6% |
| 45–54 | 148 | 129 | 3.0% |
| 55–64 | 112 | 100 | 1.0% |
| 65–74 | 54 | 47 | 5.9% |
| Over 74 | 38 | 35 | 2.7% |
Where The National Bank of Indianapolis lends
6 states and 25 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
The National Bank of Indianapolis denied 2.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 86th percentile of small mortgage lenders.
The most common reason The National Bank of Indianapolis gave in 2025 was "debt-to-income ratio", cited on 61.5% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 42% of its applications were for home purchases, 29% for refinancing (including cash-out), and 29% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.