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2024 data HMDA 2024 disclosure official source

Greene County

1,243 mortgage applications, 19.9% denial rate. Verify FIPS 18055 with U.S. Census Bureau →

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Indiana · FIPS 18055

Local mortgage market. Greene County, Indiana saw 1,243 HMDA-reported mortgage applications in 2024. Lenders originated 662 of those loans and denied 248, producing a denial rate of 19.9% and an approval (origination) rate of 53.3%. The average loan amount was $152,112 at an average note rate of 7.07%, with applicants self-reporting average annual income of $35K. 107 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 4.3x, meaning typical borrowers took on mortgages of about 4.3 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 18055 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

1,243
Applications
662
Originated
19.9%
Denial Rate
53.3%
Approval Rate
$152,112
Avg Loan Amount
7.07%
Avg Interest Rate
$35K
Avg Applicant Income
4.3x
Loan-to-Income Ratio

Nearby Lenders in Greene 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 Crane Credit Union 75 11.3%
2 Northwest Bank 46 6.9%
3 Ruoff Mortgage Company 44 6.6%
4 Rocket Mortgage 43 6.5%
5 Indiana University CU 27 4.1%
Compare Crane Credit Union vs Northwest Bank →

Frequently Asked Questions

How many mortgage applications were filed in Greene County?
In the 2024 HMDA reporting year, 1,243 mortgage applications were filed in Greene County, Indiana. Of these, 662 were originated (approved and funded), while 248 were denied, resulting in a denial rate of 19.9%.
What is the mortgage denial rate in Greene County?
The mortgage denial rate in Greene County is 19.9%. The approval (origination) rate is 53.3%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Greene County?
The average mortgage loan amount in Greene County is $152,112. The average interest rate is 7.071%. The average applicant income is $35K.
What is the loan-to-income ratio in Greene County?
The average loan-to-income ratio in Greene County is 4.3x, meaning borrowers took on loans averaging 4.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Greene County?
The top mortgage lenders in Greene County by origination volume are Crane Credit Union, Northwest Bank, Ruoff Mortgage Company. In total, 107 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.