Greene County
Indiana · FIPS 18055
According to CFPB HMDA 2024 application volume among U.S. counties, Greene County ranks #1,248 of 3,210, and #48 of 92 in Indiana.
Mortgage lending activity in Greene 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. 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. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Greene County
In Greene County, lead originator Crane Credit Union funded 11.3% of 662 originated loans, in the middle tercile of U.S. counties (~10.9-16.7% top-1). The top three reporters together hold 24.9% of the book; a local credit union or regional bank still sits beside the national wholesalers.
Counties With Similar Application Volume
Nationwide counties nearest to Greene County's 1,243 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Greene County's $152,112 average loan (deduped against volume peers).
Lenders active in Greene County
Crane Credit Union funded 75 of the 662 loans originated in Greene County, 11.3% of the county. 107 lenders reported activity here.
| # | 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% |
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; does not constitute financial advice for Greene County borrowers.
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 Greene County 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. 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.