Jackson County
Indiana · FIPS 18071
According to CFPB HMDA 2024 application volume among U.S. counties, Jackson County ranks #1,069 of 3,223, and #38 of 92 in Indiana.
Mortgage lending activity in Jackson 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. Jackson County, Indiana lenders denied 245 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. 115 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.9x, meaning typical borrowers took on mortgages of about 4.9 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 Jackson County
In Jackson County, lead originator Centra Credit Union funded 21.1% of 965 originated loans, above the county fleet's upper tercile (~16.7% top-1). The top three reporters together hold 43.1% of the book, so a handful of names dominate disclosed volume here.
Counties With Similar Application Volume
Nationwide counties nearest to Jackson County's 1,616 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Jackson County's $170,130 average loan (deduped against volume peers).
Lenders active in Jackson County
Centra Credit Union funded 204 of the 965 loans originated in Jackson County, 21.1% of the county. 115 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Centra Credit Union | 204 | 21.1% |
| 2 | Jackson County Bank | 158 | 16.4% |
| 3 | First Financial Bank | 54 | 5.6% |
| 4 | Rocket Mortgage | 46 | 4.8% |
| 5 | Wolfe Financial Inc | 45 | 4.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Jackson 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 Jackson 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.