Floyd County
Indiana · FIPS 18043
According to CFPB HMDA 2024 application volume among U.S. counties, Floyd County ranks #621 of 3,223, and #22 of 92 in Indiana.
Mortgage lending activity in Floyd 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. Floyd County, Indiana lenders denied 487 of the applications reported here, financing the rest at an average note rate of 6.96%, with applicants self-reporting average annual income of $35K. 207 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 6.2x, meaning typical borrowers took on mortgages of about 6.2 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Floyd County
In Floyd County, lead originator United Wholesale Mortgage funded only 6.5% of 2,282 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 17.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Floyd County's 3,780 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Floyd County's $215,847 average loan (deduped against volume peers).
Lenders active in Floyd County
United Wholesale Mortgage funded 149 of the 2,282 loans originated in Floyd County, 6.5% of the county. 207 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | United Wholesale Mortgage | 149 | 6.5% |
| 2 | Rocket Mortgage | 146 | 6.4% |
| 3 | Centra Credit Union | 113 | 5.0% |
| 4 | First Harrison Bank | 111 | 4.9% |
| 5 | German American Bank | 94 | 4.1% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Floyd 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 Floyd 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.