If you do not have an indirect lending agreement between you and the dealer you will most likely run into state law issues because the dealer would be acting as your agent and you could also run astray of any Loan Production Office limitations or requirements.
There are other issues that may also come into play, such as holder in due course.
If you plan on doing this in IN you best have an legal agreement in place between you and the dealer.
We will accept a faxed application from a couple of dealers but it must be on our specific application, we process the application and all communications from receipt of the application is with the applicant, not the dealer and if approved the loan is closed at the bank.
The opinions expressed are mine and they are not to be taken as legal advice.