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Mortgage Research Center 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.
In Indiana, Mortgage Research Center reported 3,943 applications and 2,186 originations for 2024, $544m in all.
Its denial rate in the state was 22.4%, close to the Indiana rate of 21.5% across all lenders and compared with the lender's national rate of 24.0%.
The median rate spread on its Indiana originations was -0.1 percentage points (state median 0.5).
Applications in the state were up 24% on 2023.
Compared with the state and the lender's national record
| Measure | In Indiana | Indiana, all lenders | Mortgage Research Center, all states | United States |
|---|---|---|---|---|
| Denial rate | 22.4% | 21.5% | 24.0% | 24.3% |
| Median rate spread, pp | -0.1 | 0.5 | -0.1 | 0.3 |
| Originations with spread of 1.5 pp or more | 1.8% | 15.8% | 0.8% | 15.6% |
| Average originated loan | $249k | $216k | $315k | $329k |
| Home purchase share | 77.9% | 53.1% | 81.8% | 57.0% |
| FHA-insured share | 4.4% | 14.5% | 2.9% | 13.4% |
| VA-guaranteed share | 90.3% | 6.0% | 92.4% | 7.9% |
Trend by year
ApplicationsOriginations
This lender in stateIndiana, all lenders
Loan purpose and loan type in Indiana
By purpose
Home purchase 78% (1,703)Refinancing 18% (394)Cash-out refinancing 4% (89)
By type
Conventional 5% (109)FHA 4% (97)VA 90% (1,974)USDA 0% (6)
Denial reasons as coded
Share of 641 denials in Indiana by first denial reason coded (outlined bar: all lenders in the state).
Counties in Indiana
| County | Applications | Originations | Amount | Denial rate |
|---|---|---|---|---|
| Marion County | 486 | 272 | $64m | 24.3% |
| Lake County | 250 | 121 | $29m | 26.9% |
| Allen County | 191 | 119 | $29m | 17.9% |
| Johnson County | 149 | 94 | $27m | 14.3% |
| St. Joseph County | 120 | 79 | $18m | 16.0% |
| Vanderburgh County | 128 | 77 | $16m | 22.2% |
| Madison County | 121 | 69 | $15m | 23.1% |
| Hamilton County | 109 | 51 | $20m | 28.8% |
| Porter County | 86 | 51 | $17m | 20.3% |
| Hendricks County | 105 | 49 | $17m | 19.7% |
| Vigo County | 76 | 48 | $9.1m | 22.6% |
| Delaware County | 91 | 45 | $8.3m | 25.4% |
| Morgan County | 65 | 42 | $13m | 12.5% |
| Howard County | 84 | 41 | $9.1m | 25.0% |
| Hancock County | 79 | 40 | $13m | 14.9% |
| Lawrence County | 72 | 39 | $8.8m | 29.1% |
| Tippecanoe County | 68 | 37 | $10m | 19.6% |
| Elkhart County | 67 | 37 | $8.6m | 19.6% |
| LaPorte County | 65 | 37 | $9.8m | 18.8% |
| Clark County | 82 | 35 | $9.9m | 28.6% |
| Henry County | 47 | 35 | $7.5m | 12.5% |
| Bartholomew County | 45 | 30 | $7.4m | 11.8% |
| Grant County | 62 | 28 | $6.6m | 38.3% |
| Kosciusko County | 41 | 24 | $5.6m | 28.6% |
| Floyd County | 41 | 23 | $7.1m | 20.7% |
| Wayne County | 36 | 23 | $4.1m | 14.8% |
| Putnam County | 29 | 23 | $5.8m | — |
| Miami County | 37 | 21 | $3.8m | 25.0% |
| Greene County | 44 | 20 | $5.3m | 25.9% |
| Shelby County | 40 | 20 | $4.9m | 35.5% |
| Montgomery County | 31 | 18 | $3.7m | — |
| Huntington County | 28 | 18 | $5.1m | — |
| Wabash County | 25 | 18 | $3.6m | — |
| Jackson County | 25 | 17 | $4.4m | — |
| Monroe County | 44 | 16 | $4.9m | 42.9% |
| Harrison County | 31 | 16 | $4.6m | — |
| Boone County | 38 | 15 | $4.3m | — |
| DeKalb County | 30 | 15 | $3.0m | — |
| Jefferson County | 25 | 15 | $3.7m | — |
| Warrick County | 30 | 13 | $4.2m | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did Mortgage Research Center originate in Indiana in 2024?
2,186 loans totalling $544m, from 3,943 applications reported for properties in Indiana.
What is Mortgage Research Center's denial rate in Indiana?
22.4% of decided applications in Indiana were denied, against 21.5% for all lenders in the state and 24.0% 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 Mortgage Research Center lend in most?
By originations: Marion County (272), Lake County (121), Allen County (119), Johnson County (94), St. Joseph County (79).
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 30 Sep 2026; data through 1 Aug 2026. See methodology and corrections.