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2024 data HMDA 2024 disclosure official source

Dearborn County

2,101 mortgage applications, 16.5% denial rate. Verify FIPS 18029 with U.S. Census Bureau →

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Indiana · FIPS 18029

Local mortgage market. Dearborn County, Indiana saw 2,101 HMDA-reported mortgage applications in 2024. Lenders originated 1,198 of those loans and denied 346, producing a denial rate of 16.5% and an approval (origination) rate of 57.0%. The average loan amount was $202,178 at an average note rate of 7.41%, with applicants self-reporting average annual income of $36K. 151 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 18029 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

2,101
Applications
1,198
Originated
16.5%
Denial Rate
57.0%
Approval Rate
$202,178
Avg Loan Amount
7.41%
Avg Interest Rate
$36K
Avg Applicant Income
5.6x
Loan-to-Income Ratio

Nearby Lenders in Dearborn 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 Civista Bank 155 12.9%
2 First Financial Bank 92 7.7%
3 Nations Reliable Lending, LLC 83 6.9%
4 American Pacific Mortgage Corporation 76 6.3%
5 Fifth Third Bank, National Association 66 5.5%
Compare Civista Bank vs First Financial Bank →

Frequently Asked Questions

How many mortgage applications were filed in Dearborn County?
In the 2024 HMDA reporting year, 2,101 mortgage applications were filed in Dearborn County, Indiana. Of these, 1,198 were originated (approved and funded), while 346 were denied, resulting in a denial rate of 16.5%.
What is the mortgage denial rate in Dearborn County?
The mortgage denial rate in Dearborn County is 16.5%. The approval (origination) rate is 57.0%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dearborn County?
The average mortgage loan amount in Dearborn County is $202,178. The average interest rate is 7.410%. The average applicant income is $36K.
What is the loan-to-income ratio in Dearborn County?
The average loan-to-income ratio in Dearborn 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 Dearborn County?
The top mortgage lenders in Dearborn County by origination volume are Civista Bank, First Financial Bank, Nations Reliable Lending, LLC. In total, 151 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.