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2024 data HMDA 2024 disclosure official source

Dubois County

1,125 mortgage applications, 14.8% denial rate. Verify FIPS 18037 with U.S. Census Bureau →

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Indiana · FIPS 18037

Local mortgage market. Dubois County, Indiana saw 1,125 HMDA-reported mortgage applications in 2024. Lenders originated 682 of those loans and denied 167, producing a denial rate of 14.8% and an approval (origination) rate of 60.6%. The average loan amount was $160,618 at an average note rate of 5.94%, with applicants self-reporting average annual income of $34K. 89 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.7x, meaning typical borrowers took on mortgages of about 4.7 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 18037 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,125
Applications
682
Originated
14.8%
Denial Rate
60.6%
Approval Rate
$160,618
Avg Loan Amount
5.94%
Avg Interest Rate
$34K
Avg Applicant Income
4.7x
Loan-to-Income Ratio

Nearby Lenders in Dubois 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 German American Bank 217 31.8%
2 Hoosier Hills Credit Union 64 9.4%
3 Fifth Third Bank, National Association 63 9.2%
4 Rocket Mortgage 46 6.7%
5 Old National Bank 45 6.6%
Compare German American Bank vs Hoosier Hills Credit Union →

Frequently Asked Questions

How many mortgage applications were filed in Dubois County?
In the 2024 HMDA reporting year, 1,125 mortgage applications were filed in Dubois County, Indiana. Of these, 682 were originated (approved and funded), while 167 were denied, resulting in a denial rate of 14.8%.
What is the mortgage denial rate in Dubois County?
The mortgage denial rate in Dubois County is 14.8%. The approval (origination) rate is 60.6%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Dubois County?
The average mortgage loan amount in Dubois County is $160,618. The average interest rate is 5.938%. The average applicant income is $34K.
What is the loan-to-income ratio in Dubois County?
The average loan-to-income ratio in Dubois County is 4.7x, meaning borrowers took on loans averaging 4.7 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Dubois County?
The top mortgage lenders in Dubois County by origination volume are German American Bank, Hoosier Hills Credit Union, Fifth Third Bank, National Association. In total, 89 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.