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2024 data HMDA 2024 disclosure official source

Cass County

1,196 mortgage applications, 15.9% denial rate. Verify FIPS 18017 with U.S. Census Bureau →

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Indiana · FIPS 18017

Local mortgage market. Cass County, Indiana saw 1,196 HMDA-reported mortgage applications in 2024. Lenders originated 705 of those loans and denied 190, producing a denial rate of 15.9% and an approval (origination) rate of 58.9%. The average loan amount was $147,057 at an average note rate of 7.08%, with applicants self-reporting average annual income of $35K. 105 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.2x, meaning typical borrowers took on mortgages of about 4.2 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 18017 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,196
Applications
705
Originated
15.9%
Denial Rate
58.9%
Approval Rate
$147,057
Avg Loan Amount
7.08%
Avg Interest Rate
$35K
Avg Applicant Income
4.2x
Loan-to-Income Ratio

Nearby Lenders in Cass 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 Movement Mortgage, LLC 109 15.5%
2 Security Federal Savings Bank 100 14.2%
3 First Farmers Bank & Trust 48 6.8%
4 Rocket Mortgage 38 5.4%
5 Ruoff Mortgage Company 34 4.8%
Compare Movement Mortgage, LLC vs Security Federal Savings Bank →

Frequently Asked Questions

How many mortgage applications were filed in Cass County?
In the 2024 HMDA reporting year, 1,196 mortgage applications were filed in Cass County, Indiana. Of these, 705 were originated (approved and funded), while 190 were denied, resulting in a denial rate of 15.9%.
What is the mortgage denial rate in Cass County?
The mortgage denial rate in Cass County is 15.9%. The approval (origination) rate is 58.9%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Cass County?
The average mortgage loan amount in Cass County is $147,057. The average interest rate is 7.077%. The average applicant income is $35K.
What is the loan-to-income ratio in Cass County?
The average loan-to-income ratio in Cass County is 4.2x, meaning borrowers took on loans averaging 4.2 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Cass County?
The top mortgage lenders in Cass County by origination volume are Movement Mortgage, LLC, Security Federal Savings Bank, First Farmers Bank & Trust. In total, 105 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.