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Citizens Bank in Indiana
HMDA record for properties in Indiana, calendar year 2024. National record · Indiana overview
HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws. The data do not include some legitimate credit risk considerations for loan approval and loan pricing decisions. Cells under 25 applications are withheld.
Citizens Bank's 2024 HMDA record for Indiana covers 226 applications, 163 of them originated, worth $56m.
Its denial rate in the state was 18.7%, below the Indiana rate of 21.5% across all lenders and compared with the lender's national rate of 18.7%.
Applications in the state were down 20% on 2023.
Compared with the state and the lender's national record
| Measure | In Indiana | Indiana, all lenders | Citizens Bank, all states | United States |
|---|---|---|---|---|
| Denial rate | 18.7% | 21.5% | 18.7% | 24.3% |
| Median rate spread, pp | — | 0.5 | — | 0.3 |
| Originations with spread of 1.5 pp or more | — | 15.8% | — | 15.6% |
| Average originated loan | $346k | $216k | $346k | $329k |
| Home purchase share | 60.7% | 53.1% | 60.7% | 57.0% |
| FHA-insured share | 0.0% | 14.5% | 0.0% | 13.4% |
| VA-guaranteed share | 0.0% | 6.0% | 0.0% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIndiana, all lenders
Loan purpose and loan type in Indiana
By purpose
Home purchase 61% (99)Home improvement 10% (16)Refinancing 4% (6)Cash-out refinancing 14% (23)Other purpose 12% (19)
By type
Conventional 100% (163)
Denial reasons as coded
Share of 38 denials in Indiana by first denial reason coded (outlined bar: all lenders in the state).
Counties in Indiana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Morgan County | 65 | 42 | $6.7m | 26.3% |
| Hendricks County | 45 | 34 | $12m | 14.6% |
| Johnson County | 35 | 30 | $17m | 6.3% |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Citizens Bank originate in Indiana in 2024?
163 loans totalling $56m, from 226 applications reported for properties in Indiana.
What is Citizens Bank's denial rate in Indiana?
18.7% of decided applications in Indiana were denied, against 21.5% for all lenders in the state and 18.7% for this lender nationally. HMDA data alone cannot be used to determine whether a lender is complying with fair lending laws.
Which Indiana counties does Citizens Bank lend in most?
By originations: Morgan County (42), Hendricks County (34), Johnson County (30).
Where does this data come from?
From the 2024 public HMDA loan/application register (FFIEC and CFPB), filtered to the lender's LEI and the property state. Cells under 25 applications are withheld.
Provenance
Source: HMDA public loan/application register 2022, 2023, 2024 (FFIEC and CFPB, public domain), records for this LEI with a property in Indiana. Built 1 Oct 2026; data through 1 Aug 2026. See methodology and corrections.