Lender in Indiana · HMDA 2025
Horizon Bank mortgages in Indiana
Horizon Bank's 2025 home-purchase and refinance lending in Indiana, compared with all lenders in the state.
Horizon Bank originated 563 owner-occupied single-family loans in Indiana from 650 completed applications.
Its median conventional purchase loan costs were $2,970 versus $3,350 for all Indiana lenders, at a median 30-year fixed rate of 6.75% (Indiana: 6.625%).
Loans in IN
563
of 650 applications
Denial rate
7.6%
Purchase · IN 7.4%
Rate spread
+0.30 pts
Conv. · IN +0.24 pts
Loan amount
$205,000
Purchase · IN $245,000
By loan purpose
| Purpose | Applications | Loans | Denial rate | 30-yr rate* | Rate spread* | Loan costs* | Median loan |
|---|---|---|---|---|---|---|---|
| Home purchase | 487 | 437 | 7.6% | 6.750% | +0.30 pts | $2,970 | $205,000 |
| Refinance | 54 | 35 | 22.2% | — | +0.32 pts | $2,590 | $185,000 |
| Cash-out refinance | 109 | 91 | 16.5% | 6.875% | +0.46 pts | $2,990 | $165,000 |
*Conventional loans only; medians with at least 20 loans.
Indiana counties where Horizon Bank ranks in the top 25
| County | Rank | Loans | Market share |
|---|---|---|---|
| LaPorte County | 2 | 107 | 8.3% |
| Fountain County | 6 | 11 | 4.9% |
| Porter County | 9 | 86 | 3.0% |
| Cass County | 9 | 13 | 2.7% |
| Carroll County | 9 | 8 | 2.6% |
| Kosciusko County | 10 | 25 | 2.4% |
| Starke County | 14 | 8 | 2.3% |
| St. Joseph County | 15 | 69 | 1.9% |
| DeKalb County | 20 | 10 | 1.2% |
| Noble County | 20 | 8 | 1.3% |
| LaGrange County | 20 | 4 | 1.1% |
| Warren County | 21 | 2 | 1.7% |
| White County | 23 | 4 | 1.2% |
| Elkhart County | 24 | 26 | 1.0% |
Source: FFIEC/CFPB HMDA 2025 public LAR. Statistical profile, not a review or offer. Methodology