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2024 data HMDA 2024 disclosure official source

Clinton County

1,402 mortgage applications, 15.8% denial rate. Verify FIPS 18023 with U.S. Census Bureau →

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Indiana · FIPS 18023

Local mortgage market. Clinton County, Indiana saw 1,402 HMDA-reported mortgage applications in 2024. Lenders originated 816 of those loans and denied 221, producing a denial rate of 15.8% and an approval (origination) rate of 58.2%. The average loan amount was $154,850 at an average note rate of 7.24%, with applicants self-reporting average annual income of $36K. 121 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.3x, meaning typical borrowers took on mortgages of about 4.3 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 18023 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,402
Applications
816
Originated
15.8%
Denial Rate
58.2%
Approval Rate
$154,850
Avg Loan Amount
7.24%
Avg Interest Rate
$36K
Avg Applicant Income
4.3x
Loan-to-Income Ratio

Nearby Lenders in Clinton 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 The Farmers Bank 152 18.6%
2 Ruoff Mortgage Company 99 12.1%
3 Regions Bank 62 7.6%
4 First Merchants Bank 51 6.3%
5 Rocket Mortgage 32 3.9%
Compare The Farmers Bank vs Ruoff Mortgage Company →

Frequently Asked Questions

How many mortgage applications were filed in Clinton County?
In the 2024 HMDA reporting year, 1,402 mortgage applications were filed in Clinton County, Indiana. Of these, 816 were originated (approved and funded), while 221 were denied, resulting in a denial rate of 15.8%.
What is the mortgage denial rate in Clinton County?
The mortgage denial rate in Clinton County is 15.8%. The approval (origination) rate is 58.2%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Clinton County?
The average mortgage loan amount in Clinton County is $154,850. The average interest rate is 7.242%. The average applicant income is $36K.
What is the loan-to-income ratio in Clinton County?
The average loan-to-income ratio in Clinton County is 4.3x, meaning borrowers took on loans averaging 4.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Clinton County?
The top mortgage lenders in Clinton County by origination volume are The Farmers Bank, Ruoff Mortgage Company, Regions Bank. In total, 121 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.