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2024 data HMDA 2024 disclosure official source

Hamilton County

19,705 mortgage applications, 11.8% denial rate. Verify FIPS 18057 with U.S. Census Bureau →

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Indiana · FIPS 18057

Local mortgage market. Hamilton County, Indiana saw 19,705 HMDA-reported mortgage applications in 2024. Lenders originated 11,455 of those loans and denied 2,329, producing a denial rate of 11.8% and an approval (origination) rate of 58.1%. The average loan amount was $333,756 at an average note rate of 7.07%, with applicants self-reporting average annual income of $36K. 375 distinct institutions reported mortgage activity in this county.

Borrower leverage and affordability signal. The loan-to-income ratio averages 9.3x, meaning typical borrowers took on mortgages of about 9.3 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 18057 · CFPB HMDA 2024 Snapshot National Loan-Level Dataset. See our disclaimer before acting on this data.

19,705
Applications
11,455
Originated
11.8%
Denial Rate
58.1%
Approval Rate
$333,756
Avg Loan Amount
7.07%
Avg Interest Rate
$36K
Avg Applicant Income
9.3x
Loan-to-Income Ratio

Nearby Lenders in Hamilton 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 Lennar Mortgage, LLC 653 5.7%
2 Rocket Mortgage 531 4.6%
3 Huntington National Bank 525 4.6%
4 Indiana Members Credit Union 420 3.7%
5 United Wholesale Mortgage 408 3.6%
Compare Lennar Mortgage, LLC vs Rocket Mortgage →

Frequently Asked Questions

How many mortgage applications were filed in Hamilton County?
In the 2024 HMDA reporting year, 19,705 mortgage applications were filed in Hamilton County, Indiana. Of these, 11,455 were originated (approved and funded), while 2,329 were denied, resulting in a denial rate of 11.8%.
What is the mortgage denial rate in Hamilton County?
The mortgage denial rate in Hamilton County is 11.8%. The approval (origination) rate is 58.1%, reflecting originated loans as a share of all applications.
What is the average mortgage loan amount in Hamilton County?
The average mortgage loan amount in Hamilton County is $333,756. The average interest rate is 7.074%. The average applicant income is $36K.
What is the loan-to-income ratio in Hamilton County?
The average loan-to-income ratio in Hamilton County is 9.3x, meaning borrowers took on loans averaging 9.3 times their annual income. This reflects average borrower profiles for mortgages processed in this county.
Who are the top mortgage lenders in Hamilton County?
The top mortgage lenders in Hamilton County by origination volume are Lennar Mortgage, LLC, Rocket Mortgage, Huntington National Bank. In total, 375 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.