Lenders › 21st Mortgage › Indiana
21st Mortgage 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, 21st Mortgage reported 2,668 applications and 562 originations for 2024, $43m in all.
Its denial rate in the state was 70.1%, above the Indiana rate of 21.5% across all lenders and compared with the lender's national rate of 70.3%.
The median rate spread on its Indiana originations was 5.5 percentage points (state median 0.5).
Applications in the state were up 25% on 2023.
Compared with the state and the lender's national record
| Measure | In Indiana | Indiana, all lenders | 21st Mortgage, all states | United States |
|---|---|---|---|---|
| Denial rate | 70.1% | 21.5% | 70.3% | 24.3% |
| Median rate spread, pp | 5.5 | 0.5 | 4.2 | 0.3 |
| Originations with spread of 1.5 pp or more | 99.8% | 15.8% | 99.0% | 15.6% |
| Average originated loan | $76k | $216k | $114k | $329k |
| Home purchase share | 98.6% | 53.1% | 98.4% | 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 99% (554)Refinancing 1% (7)Cash-out refinancing 0% (1)
By type
Conventional 100% (562)
Denial reasons as coded
Share of 1,370 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 | 340 | 64 | $5.1m | 73.9% |
| Lake County | 280 | 49 | $2.3m | 76.4% |
| Porter County | 169 | 42 | $2.4m | 61.4% |
| Bartholomew County | 85 | 35 | $1.6m | 46.3% |
| St. Joseph County | 98 | 34 | $2.0m | 55.8% |
| Elkhart County | 77 | 21 | $1.3m | 65.1% |
| Clark County | 83 | 20 | $3.3m | 60.8% |
| Allen County | 71 | 20 | $2.1m | 66.1% |
| Hendricks County | 65 | 16 | $1.0m | 66.7% |
| Vanderburgh County | 116 | 15 | $985k | 76.2% |
| Scott County | 70 | 15 | $1.1m | 66.0% |
| Morgan County | 60 | 15 | $925k | 65.2% |
| LaPorte County | 74 | 14 | $840k | 74.6% |
| Kosciusko County | 39 | 14 | $750k | 62.2% |
| Jennings County | 58 | 13 | $1.0m | 68.3% |
| Wells County | 37 | 11 | $555k | 65.6% |
| Washington County | 38 | 10 | $1.1m | 64.3% |
| Hamilton County | 42 | 9 | $685k | 70.0% |
| Harrison County | 40 | 8 | $1.4m | 71.4% |
| Pulaski County | 34 | 8 | $560k | 74.2% |
| Noble County | 32 | 8 | $490k | — |
| Madison County | 28 | 7 | $445k | — |
| Huntington County | 26 | 7 | $855k | — |
| Warrick County | 60 | 5 | $335k | 80.6% |
| Jackson County | 40 | 5 | $455k | 83.9% |
| Delaware County | 32 | 5 | $365k | — |
| Marshall County | 25 | 5 | $285k | — |
| Johnson County | 25 | 3 | $145k | — |
Counties with at least 25 applications, by originations.
Questions and answers
How many mortgages did 21st Mortgage originate in Indiana in 2024?
562 loans totalling $43m, from 2,668 applications reported for properties in Indiana.
What is 21st Mortgage's denial rate in Indiana?
70.1% of decided applications in Indiana were denied, against 21.5% for all lenders in the state and 70.3% 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 21st Mortgage lend in most?
By originations: Marion County (64), Lake County (49), Porter County (42), Bartholomew County (35), St. Joseph County (34).
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.