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2024 data HMDA 2024 disclosure official source

Adams County

1,210 mortgage applications, 14.0% denial rate. Verify FIPS 18001 with U.S. Census Bureau →

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Indiana · FIPS 18001

Local mortgage market. Adams County, Indiana saw 1,210 HMDA-reported mortgage applications in 2024. Lenders originated 775 of those loans and denied 169, producing a denial rate of 14.0% and an approval (origination) rate of 64.0%. The average loan amount was $139,223 at an average note rate of 7.50%, with applicants self-reporting average annual income of $35K. 83 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.0x, meaning typical borrowers took on mortgages of about 4.0 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool.

FIPS 18001 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,210
Applications
775
Originated
14.0%
Denial Rate
64.0%
Approval Rate
$139,223
Avg Loan Amount
7.50%
Avg Interest Rate
$35K
Avg Applicant Income
4.0x
Loan-to-Income Ratio

Nearby Lenders in Adams County

Top HMDA-reporting lenders active in this county. Compare any two side-by-side for rates, denial rates, and loan mix.

# Lender Originated Market Share
1 First Bank of Berne 163 21.0%
2 The Farmers & Merchants State Bank 157 20.3%
3 Ruoff Mortgage Company 63 8.1%
4 Fifth Third Bank, National Association 51 6.6%
5 First Merchants Bank 47 6.1%
Compare First Bank of Berne vs The Farmers & Merchants State Bank →

Frequently Asked Questions

How many mortgage applications were filed in Adams County?
In the 2024 HMDA reporting year, 1,210 mortgage applications were filed in Adams County, Indiana. Of these, 775 were originated (approved and funded), while 169 were denied, resulting in a denial rate of 14.0%.
What is the mortgage denial rate in Adams County?
The mortgage denial rate in Adams County is 14.0%. The approval (origination) rate is 64.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Adams County?
The average mortgage loan amount in Adams County is $139,223. The average interest rate is 7.501%. The average applicant income is $35K.
What is the loan-to-income ratio in Adams County?
The average loan-to-income ratio in Adams County is 4.0x, meaning borrowers took on loans averaging 4.0 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Adams County?
The top mortgage lenders in Adams County by origination volume are First Bank of Berne, The Farmers & Merchants State Bank, Ruoff Mortgage Company. In total, 83 lenders reported mortgage activity in this county.
Where does this mortgage data come from?
This data comes from the CFPB HMDA 2024 Snapshot National Loan-Level Dataset, a mandatory federal disclosure dataset covering all mortgage applications filed with HMDA-reporting institutions. County boundaries are identified by FIPS codes.

Source: Consumer Financial Protection Bureau (CFPB), Home Mortgage Disclosure Act (HMDA) 2024. County FIPS codes per U.S. Census Bureau standards.

Data from FFIEC / CFPB HMDA Snapshot National Loan-Level Dataset (2024). Provided for informational purposes only.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. This page draws directly on CFPB HMDA federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.