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2024 data HMDA 2024 disclosure official source

Bartholomew County

3,638 mortgage applications, 13.6% denial rate. Verify FIPS 18005 with U.S. Census Bureau →

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Indiana · FIPS 18005

Local mortgage market. Bartholomew County, Indiana saw 3,638 HMDA-reported mortgage applications in 2024. Lenders originated 2,244 of those loans and denied 493, producing a denial rate of 13.6% and an approval (origination) rate of 61.7%. The average loan amount was $194,505 at an average note rate of 6.74%, with applicants self-reporting average annual income of $35K. 153 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 5.6x, meaning typical borrowers took on mortgages of about 5.6 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 18005 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

3,638
Applications
2,244
Originated
13.6%
Denial Rate
61.7%
Approval Rate
$194,505
Avg Loan Amount
6.74%
Avg Interest Rate
$35K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Bartholomew 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 Centra Credit Union 497 22.1%
2 First Financial Bank 238 10.6%
3 Jackson County Bank 124 5.5%
4 German American Bank 123 5.5%
5 Rocket Mortgage 99 4.4%
Compare Centra Credit Union vs First Financial Bank →

Frequently Asked Questions

How many mortgage applications were filed in Bartholomew County?
In the 2024 HMDA reporting year, 3,638 mortgage applications were filed in Bartholomew County, Indiana. Of these, 2,244 were originated (approved and funded), while 493 were denied, resulting in a denial rate of 13.6%.
What is the mortgage denial rate in Bartholomew County?
The mortgage denial rate in Bartholomew County is 13.6%. The approval (origination) rate is 61.7%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Bartholomew County?
The average mortgage loan amount in Bartholomew County is $194,505. The average interest rate is 6.738%. The average applicant income is $35K.
What is the loan-to-income ratio in Bartholomew County?
The average loan-to-income ratio in Bartholomew County is 5.6x, meaning borrowers took on loans averaging 5.6 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Bartholomew County?
The top mortgage lenders in Bartholomew County by origination volume are Centra Credit Union, First Financial Bank, Jackson County Bank. In total, 153 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.