Noble County
Indiana · FIPS 18113
According to CFPB HMDA 2024 application volume among U.S. counties, Noble County ranks #967 of 3,223, and #32 of 92 in Indiana.
Mortgage lending activity in Noble 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. Noble County, Indiana lenders denied 320 of the applications reported here, financing the rest at an average note rate of 7.43%, with applicants self-reporting average annual income of $36K. 120 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 4.5x, meaning typical borrowers took on mortgages of about 4.5 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 Noble County
In Noble County, lead originator Three Rivers Federal Crediit U funded only 9.7% of 1,108 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 23.9% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Noble County's 1,906 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Noble County's $160,803 average loan (deduped against volume peers).
Lenders active in Noble County
Three Rivers Federal Crediit U funded 107 of the 1,108 loans originated in Noble County, 9.7% of the county. 120 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Three Rivers Federal Crediit U | 107 | 9.7% |
| 2 | Lake City Bank | 89 | 8.0% |
| 3 | Interra Credit Union | 69 | 6.2% |
| 4 | Profed Federal Credit Union | 65 | 5.9% |
| 5 | Ruoff Mortgage Company | 63 | 5.7% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Noble 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 Noble 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.