Zillow Home Loans in Indiana vs the state
7.5%Denial rate-9.09 pts vs state
9.7%Decision denial rate-10.41 pts vs state
68.0%Origination rate+5.78 pts vs state
6.63%Median rate-0.13 pts vs state
0.60Rate spread (pts)+0.24 pts vs state
$72kMedian applicant income
300Loans originated
33Denied
Trend in Indiana
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 205 | 145 | 2.9% | 6.88% | #173 |
| 2024 | 280 | 203 | 6.8% | 6.63% | #151 |
| 2025 | 441 | 300 | 7.5% | 6.63% | #128 |
What Zillow Home Loans lends in Indiana
By loan purpose
By loan type
Why it denied Indiana applicants
Where in Indiana
Counties with the most Zillow Home Loans applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marion County | 72 | 49 | 5 | 6.9% |
| Lake County | 48 | 36 | 6 | 12.5% |
| Allen County | 21 | 13 | 0 | 0.0% |
| St. Joseph County | 16 | 11 | 2 | 12.5% |
| Hendricks County | 15 | 9 | 1 | 6.7% |
| Porter County | 14 | 10 | 1 | 7.1% |
| Hamilton County | 13 | 9 | 2 | 15.4% |
| Delaware County | 13 | 8 | 0 | 0.0% |
| Vanderburgh County | 12 | 7 | 2 | 16.7% |
| Johnson County | 11 | 7 | 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: 441 applications in 2025, of which 300 were originated and 33 denied.
7.5% of all applications, or 9.7% of the applications it actually decided on. The Indiana statewide average across all lenders was 16.6%.
The median rate on loans Zillow Home Loans originated in Indiana in 2025 was 6.63%, against a statewide median of 6.75%.
About this data. Figures are Zillow Home Loans'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