Grant County
Indiana · FIPS 18053
According to CFPB HMDA 2024 application volume among U.S. counties, Grant County ranks #900 of 3,223, and #26 of 92 in Indiana.
Mortgage lending activity in Grant 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. Grant County, Indiana lenders denied 410 of the applications reported here, financing the rest at an average note rate of 7.30%, with applicants self-reporting average annual income of $34K. 145 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 3.7x, meaning typical borrowers took on mortgages of about 3.7 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Grant County
In Grant County, lead originator Ruoff Mortgage Company funded 16.9% of 1,162 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 30.7% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Grant County's 2,169 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Grant County's $124,876 average loan (deduped against volume peers).
Lenders active in Grant County
Ruoff Mortgage Company funded 196 of the 1,162 loans originated in Grant County, 16.9% of the county. 145 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Ruoff Mortgage Company | 196 | 16.9% |
| 2 | Union Home Mortgage Corp. | 81 | 7.0% |
| 3 | STAR Financial Bank | 80 | 6.9% |
| 4 | Rocket Mortgage | 67 | 5.8% |
| 5 | First Farmers Bank & Trust | 63 | 5.4% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Grant 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 Grant 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.