United Trust Bank in Indiana vs the state
11.7%Denial rate-4.90 pts vs state
12.1%Decision denial rate-8.07 pts vs state
83.3%Origination rate+21.08 pts vs state
6.50%Median rate-0.25 pts vs state
0.59Rate spread (pts)+0.22 pts vs state
$67kMedian applicant income
50Loans originated
7Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2024 | 12 | 12 | 0.0% | 6.13% | #513 |
| 2025 | 60 | 50 | 11.7% | 6.50% | #333 |
What United Trust Bank lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most United Trust Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 14 | 10 | 2 | 14.3% |
| Lake County | 5 | 3 | 1 | 20.0% |
| Wayne County | 3 | 3 | 0 | 0.0% |
| St. Joseph County | 3 | 3 | 0 | 0.0% |
| Warrick County | 3 | 2 | 1 | 33.3% |
| Bartholomew County | 3 | 2 | 1 | 33.3% |
| Elkhart County | 2 | 2 | 0 | 0.0% |
| Sullivan County | 2 | 2 | 0 | 0.0% |
| Vigo County | 2 | 2 | 0 | 0.0% |
| Dearborn County | 2 | 2 | 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: 60 applications in 2025, of which 50 were originated and 7 denied.
11.7% of all applications, or 12.1% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans United Trust Bank originated in Indiana in 2025 was 6.50%, against a statewide median of 6.75%.
About this data. Figures are United Trust 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