DeKalb County
Indiana · FIPS 18033
According to CFPB HMDA 2024 application volume among U.S. counties, DeKalb County ranks #929 of 3,223, and #31 of 92 in Indiana.
Mortgage lending activity in DeKalb County, Indiana based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. DeKalb County, Indiana lenders denied 334 of the applications reported here, financing the rest at an average note rate of 7.49%, with applicants self-reporting average annual income of $35K. 124 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.8x, meaning typical borrowers took on mortgages of about 4.8 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in DeKalb County
In DeKalb County, lead originator Three Rivers Federal Crediit U funded only 10.3% of 1,180 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 25.3% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to DeKalb County's 2,045 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to DeKalb County's $166,364 average loan (deduped against volume peers).
Lenders active in DeKalb County
Three Rivers Federal Crediit U funded 122 of the 1,180 loans originated in DeKalb County, 10.3% of the county. 124 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Three Rivers Federal Crediit U | 122 | 10.3% |
| 2 | Ruoff Mortgage Company | 112 | 9.5% |
| 3 | Profed Federal Credit Union | 64 | 5.4% |
| 4 | Horizon Bank | 55 | 4.7% |
| 5 | Rocket Mortgage | 54 | 4.6% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For DeKalb County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for DeKalb County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.