United Shore Financial Services in Indiana vs the state
12.2%Denial rate-4.37 pts vs state
14.0%Decision denial rate-6.14 pts vs state
72.9%Origination rate+10.60 pts vs state
6.38%Median rate-0.38 pts vs state
0.17Rate spread (pts)-0.20 pts vs state
$79kMedian applicant income
6,308Loans originated
1,056Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 4,338 | 3,400 | 9.5% | 6.87% | #8 |
| 2024 | 6,134 | 4,699 | 10.7% | 6.62% | #4 |
| 2025 | 8,659 | 6,308 | 12.2% | 6.38% | #4 |
What United Shore Financial Services lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most United Shore Financial Services applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 1,886 | 1,339 | 273 | 14.5% |
| Hamilton County | 690 | 540 | 58 | 8.4% |
| Lake County | 592 | 416 | 76 | 12.8% |
| Hendricks County | 383 | 294 | 45 | 11.7% |
| Clark County | 351 | 289 | 24 | 6.8% |
| St. Joseph County | 297 | 236 | 26 | 8.8% |
| Allen County | 292 | 199 | 45 | 15.4% |
| Johnson County | 287 | 211 | 34 | 11.8% |
| Tippecanoe County | 239 | 196 | 20 | 8.4% |
| Floyd County | 197 | 173 | 6 | 3.0% |
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% |
| 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% |
| The Huntington National Bank | D | 4,584 | 30.2% | 7.84% |
Frequently asked questions
Indiana: 8,659 applications in 2025, of which 6,308 were originated and 1,056 denied.
12.2% of all applications, or 14.0% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans United Shore Financial Services originated in Indiana in 2025 was 6.38%, against a statewide median of 6.75%.
About this data. Figures are United Shore Financial Services'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