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Rocket Mortgage in Indiana

HMDA record for properties in Indiana, calendar year 2024. National record · Indiana overview

LEI 549300FGXN1K3HLB1R50
Reporting agency Department of Housing and Urban Development
State Indiana

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, Rocket Mortgage reported 11,102 applications and 8,262 originations for 2024, $1.5bn in all.

Its denial rate in the state was 18.3%, below the Indiana rate of 21.5% across all lenders and compared with the lender's national rate of 18.2%.

The median rate spread on its Indiana originations was 0.6 percentage points (state median 0.5).

Applications in the state were up 24% on 2023.

11,102applications in IN, 20242.3% of the lender's total
8,262loans originated$1.5bn
18.3%denial rateIN all lenders 21.5%
0.6 ppmedian rate spreadIN 0.5 pp

Compared with the state and the lender's national record

MeasureIn IndianaIndiana, all lendersRocket Mortgage, all statesUnited States
Denial rate18.3%21.5%18.2%24.3%
Median rate spread, pp0.60.50.50.3
Originations with spread of 1.5 pp or more15.2%15.8%17.8%15.6%
Average originated loan$186k$216k$270k$329k
Home purchase share36.0%53.1%38.0%57.0%
FHA-insured share28.2%14.5%18.5%13.4%
VA-guaranteed share6.9%6.0%7.8%7.9%

Trend by year

ApplicationsOriginations

06,53113,0622022: 13,062 Applications2023: 8,921 Applications2024: 11,102 Applications2022: 9,251 Originations2023: 6,462 Originations2024: 8,262 Originations202220232024
Rocket Mortgage in Indiana: applications and originations, 2022–2024

This lender in stateIndiana, all lenders

0%11.1%22.1%2022: 21.5% This lender in state2023: 20.1% This lender in state2024: 18.3% This lender in state202220232024
Denial rate by year, state rate dashed

Loan purpose and loan type in Indiana

By purpose

Home purchase 36% (2,973)Home improvement 0% (41)Refinancing 9% (766)Cash-out refinancing 50% (4,117)Other purpose 4% (365)

By type

Conventional 65% (5,365)FHA 28% (2,328)VA 7% (569)

Denial reasons as coded

Collateral45.7%
Credit application incomplete18.4%
Debt-to-income ratio14.6%
Credit history8.8%
Other4.4%
Insufficient cash (downpayment, closing costs)3.1%
Unverifiable information2.8%
Employment history2.2%
Mortgage insurance denied0%

Share of 1,885 denials in Indiana by first denial reason coded (outlined bar: all lenders in the state).

Counties in Indiana

CountyApplicationsOriginationsAmountDenial rate
Marion County1,5501,120$206m19.8%
Lake County866625$114m21.8%
Hamilton County651531$152m12.2%
Allen County500358$66m18.5%
St. Joseph County414315$51m16.1%
Hendricks County388296$66m15.7%
Clark County344267$54m16.9%
Porter County334250$52m16.2%
Elkhart County331247$44m17.7%
Johnson County288224$46m14.2%
Tippecanoe County255200$38m15.6%
Madison County265195$30m20.7%
Hancock County197154$31m16.7%
LaPorte County190149$27m15.2%
Morgan County181147$28m12.3%
Floyd County191146$31m10.9%
Vanderburgh County186135$23m17.5%
Delaware County183133$18m16.6%
Vigo County175127$19m18.0%
Monroe County142116$25m12.4%
Howard County150109$17m16.5%
Boone County139106$26m18.3%
Bartholomew County11799$20m9.9%
Harrison County9978$15m17.9%
Shelby County9674$14m12.9%
Henry County10069$11m23.1%
Grant County8667$7.7m12.8%
Putnam County7862$11m16.0%
Warrick County7761$12m15.3%
Lawrence County8259$8.7m22.1%
Kosciusko County9358$10m32.6%
Montgomery County8158$10m24.7%
DeKalb County7154$7.0m16.7%
Dearborn County6952$8.7m19.4%
Starke County6452$7.5m10.3%
Jasper County6152$9.1m8.8%
Noble County7551$8.3m26.8%
Wayne County7548$6.3m31.0%
Dubois County6346$7.5m19.0%
Jackson County5746$7.3m14.8%

Counties with at least 25 applications, by originations.

Questions and answers

How many mortgages did Rocket Mortgage originate in Indiana in 2024?

8,262 loans totalling $1.5bn, from 11,102 applications reported for properties in Indiana.

What is Rocket Mortgage's denial rate in Indiana?

18.3% of decided applications in Indiana were denied, against 21.5% for all lenders in the state and 18.2% 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 Rocket Mortgage lend in most?

By originations: Marion County (1,120), Lake County (625), Hamilton County (531), Allen County (358), St. Joseph County (315).

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.