Union Savings Bank in Indiana vs the state
3.2%Denial rate-13.40 pts vs state
3.5%Decision denial rate-16.60 pts vs state
84.4%Origination rate+22.18 pts vs state
6.63%Median rate-0.13 pts vs state
0.17Rate spread (pts)-0.20 pts vs state
$124kMedian applicant income
1,546Loans originated
58Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 1,634 | 1,287 | 6.6% | 6.50% | #45 |
| 2024 | 1,489 | 1,190 | 4.5% | 6.88% | #52 |
| 2025 | 1,831 | 1,546 | 3.2% | 6.63% | #45 |
What Union Savings Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Union Savings Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 414 | 339 | 13 | 3.1% |
| Allen County | 340 | 290 | 16 | 4.7% |
| Hamilton County | 320 | 277 | 4 | 1.3% |
| Johnson County | 150 | 124 | 3 | 2.0% |
| Hendricks County | 98 | 86 | 3 | 3.1% |
| Hancock County | 66 | 57 | 1 | 1.5% |
| Boone County | 63 | 53 | 0 | 0.0% |
| Bartholomew County | 58 | 52 | 1 | 1.7% |
| Morgan County | 36 | 34 | 1 | 2.8% |
| Monroe County | 26 | 21 | 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: 1,831 applications in 2025, of which 1,546 were originated and 58 denied.
3.2% of all applications, or 3.5% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Union Savings Bank originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Union 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